Independent Financial Adviser in Kent

KMD Financial Planning LLP — Hartley, Kent

Independent Financial Adviser in Kent

Clear, independent financial advice for mortgages, pensions and investments, helping you build a confident financial future.

✓ Chartered · Independent · FCA Regulated · Free initial consultation

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Chartered Independent Financial Adviser in Kent

A great financial adviser does more than recommend products — they help you make confident, informed decisions about your future. Whether you are buying a home, planning for retirement, investing for long‑term growth or protecting your family, the right advice brings clarity, structure and peace of mind.

As a Chartered Independent Financial Planner, I provide whole‑of‑market advice across mortgages, pensions, investments, protection and estate planning. Being both independent and Chartered means you receive the highest standard of financial advice, free from provider bias and tailored entirely to your needs. Clients work with me because they want clear explanations, transparent fees and a personal, supportive approach — not sales targets or generic recommendations.

If you are looking for trusted, expert financial advice in Kent that puts your interests first, you are in the right place.

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Kris Dabner, Chartered Independent Financial Adviser in Kent

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Send a message and I’ll get back to you as soon as possible.

Why Clients Trust KMD Financial Planning

Choosing a financial adviser is an important decision. My clients work with me because they want clear, independent advice delivered with professionalism, transparency and genuine care — not products pushed to meet a sales target.

Chartered Financial Planner

The highest level of financial planning accreditation in the UK, reflecting rigorous professional standards, technical expertise and a commitment to ethical practice.

Independent & whole‑of‑market

No ties to any provider, lender or insurer. Every recommendation is assessed across the whole market and based solely on what is right for your circumstances.

Clear, transparent fees

No hidden charges, no surprises. Every cost is explained in writing before any work begins, with no obligation until you choose to proceed.

Personal, supportive approach

I take time to understand your goals, explain your options clearly and support you at every stage — from first conversation to ongoing review.

How We Can Help You

As an independent Chartered Financial Planner in Kent, every recommendation is whole‑of‑market and tailored to your goals — not tied to any provider or product range. Explore our services below or visit our Financial Planning Services page for more detail. For impartial guidance, visit MoneyHelper.

Investment Planning

Evidence‑based investment strategies aligned to your goals, time horizon and attitude to risk.

Retirement and pension planning advice Kent

Retirement Planning

Clear, personalised retirement planning to help you understand what you need and how to get there.

Estate planning and inheritance tax advice Kent

Inheritance Tax Planning

Strategies to protect your estate, reduce inheritance tax and pass wealth on efficiently.

Investing for Children

Long‑term investment solutions to give children and grandchildren a strong financial start.

Mortgage Advice

Whole‑of‑market mortgage advice for first‑time buyers, home movers and remortgages.

Protection Planning

Life insurance, critical illness and income protection tailored to safeguard what matters most.

Independent, Chartered, Whole‑of‑Market

Kris Dabner is a Chartered Financial Planner based in Hartley, Kent, advising individuals and families across the South East. Being independent means every recommendation is based solely on what is right for you — with no ties to any provider, product or panel.

Chartered Financial Planner

The highest level of professional qualification in UK financial planning, reflecting rigorous technical knowledge and a commitment to ethical practice.

Truly independent

Not tied to any provider, insurer or lender. Every recommendation is assessed whole‑of‑market against your specific circumstances and goals.

FCA regulated

Authorised and regulated by the Financial Conduct Authority. You have the full protections of the UK regulatory framework and access to the Financial Ombudsman.

Free initial consultation

Your first conversation carries no cost and no obligation. We confirm whether and how we can help before any work or fees begin.

Holistic financial planning

We consider your full financial picture — pensions, investments, mortgage, protection and estate planning — so everything works together coherently.

Based in Kent

Based in Hartley, advising clients across Gravesend, Dartford, Sevenoaks, Maidstone, Tonbridge and the wider South East — in person or by video call.

What Clients Say

Trusted by individuals and families across Kent. Read what our clients have to say about their experience working with KMD Financial Planning.

      EXCELLENT  
   Based on 19 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Andy Colbert 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kris service is excellent, he has great technical knowledge and has a calm and thoughtful demeanor which makes for great experience, the outcome for us was better than expected, would highly recommend.
  
 
      Posted on Google  
   
   Lenny Firmin 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kris has been amazing from our initial consultation to his patience with all the questions in-between being first time buyers and helping us traverse all the jargon and feel confident in our purchase. Very generous with his time and nothing is too much or a stupid question :) Proactively kept his finger on the pulse with uncertainty in the wider world and we secured a fantastic rate and made the right decisions at the right time with the right help all thanks to Kris A wealth of knowledge and would happily recommend Kris to anyone. 5*****’s

Owner's reply
Thank you Lenny. I wish you both many happy memories in your new home.
  
 
      Posted on Google  
   
   G BrM 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kris as always is extremely helpful and presents everything in a fair and well explained way. Recommended to many others.Thanks Kris!
  
 
      Posted on Google  
   
   Amanda Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kris is a very knowledgeable, values-led finance and mortgage advisor. The advice and recommendations he gave made my unusual mortgage situation easy and stress-free. Kris was also always available to chat, explained things brilliantly and went out of his way to make sure I got the best deal. Couldn't recommend him more highly!

Owner's reply
Thank you Amanda so much for taking the time to share this review. It was a real pleasure helping you navigate your mortgage options, and I’m delighted to hear the process felt clear and stress‑free. I know unusual situations can feel daunting, so I’m glad the guidance and support made a difference. If you ever need anything in the future, whether it’s mortgages, protection, or wider financial planning, I’m always here to help. Your recommendation means a great deal.
  
 
      Posted on Google  
   
   Nikki Frances Hobbs 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kris is great!! Really informative and patient! Explains things really clearly and gives amazing advice! Would and do recommend him

Owner's reply
Thank you Nikki, always a pleasure helping you.
  
 
      Posted on Google  
   
   Dee Ade 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always great service, responsive and knowledgeable about products and services. Would highly recommend

Owner's reply
Thank you, always a pleasure working with you.
  
 
      Posted on Google  
   
   Kat C 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've been with Kris for a few years now. He's been great with my pension and investments during a stressful time, and happy to explain the financial jargon I don't understand! I can recommend his services.

Owner's reply
Thank you Kat. Always happy to help.
  
 
      Posted on Google  
   
   Debbie Murphy 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kris is fantastic - he deals with everything and advises you every step of the way - I cannot rate him highly enough - if there were 10 stars he would get them.

Owner's reply
Thank you Debbie.
  
 
      Posted on Google  
   
   James Mathers 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t recommend highly enough! Very thorough and provides clear and honest feedback. Managed to get me a fantastic deal not only the first time round but also the second time round. When my renewal comes up there’s only one place I’m heading!

Owner's reply
Thank you for your review James.

Ready to take the next step?

Whether you are planning for retirement, investing for the future, protecting your family or thinking about estate planning, a short conversation can help you understand your options and the best way forward.

Book a free initial call

No obligation · No cost · In person or by video call

Important Information

The information here is purely for information purposes only and does not constitute individual advice.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

The value of investments may fall as well as rise. You may get back less than you originally invested.

Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.