Independent Financial Adviser
in Sevenoaks
Chartered, independent financial planning for Sevenoaks — with particular focus on estate planning and inheritance tax.
✓ Chartered · Independent · FCA Regulated · Free initial consultationWhen the house did the planning for you
Sevenoaks has long drawn people who work in London and want space, a station and Knole on the doorstep. That combination — established careers, property held for a long time, and money moving between generations — tends to bring the inheritance tax conversation forward compared with the rest of the county.
For a lot of Sevenoaks households the estate has grown past the nil-rate bands largely through the house, without anyone ever deciding to become an inheritance tax case. The useful work is mostly unglamorous: understanding what the residence nil-rate band actually gives you and when it starts to taper away, what gifting does and doesn’t achieve, whether a trust earns the complexity it brings, and how pensions sit within the estate — which changes from April 2027, when most unused pension funds are brought into the inheritance tax net. We’ve written a plain-English guide to that change.
Alongside that sit the themes that come with higher earnings rather than with Sevenoaks specifically: annual allowance tapering, what to do with bonus or equity income, and school fees — which reward being planned for years ahead rather than found each term.
- ✓Chartered status — the highest level of professional accreditation in UK financial planning, reflecting rigorous technical knowledge and a commitment to ethical practice.
- ✓Truly independent — not tied to any provider, panel or insurer. Every recommendation is assessed whole-of-market based solely on what is right for your circumstances.
- ✓Transparent fees — all charges are confirmed in writing before any work begins. No hidden costs, no surprises.
- ✓Personal approach — you work directly with Kris Dabner throughout, not passed between advisers or call centres.
- ✓Free initial consultation — your first conversation carries no cost or obligation. We confirm how we can help before any fees are discussed.
How we can help Sevenoaks clients
As an independent Chartered Financial Planner, every recommendation is whole-of-market and tailored to your goals — not tied to any provider or product range.
Personalised retirement planning and pension consolidation, drawdown and annuity advice.
Learn more →Evidence-based, whole-of-market investment strategies aligned to your goals and risk attitude.
Learn more →Whole-of-market mortgage advice for first-time buyers, home movers and remortgages.
Learn more →Strategies to protect your estate, reduce inheritance tax and pass wealth on efficiently.
Learn more →Life insurance, critical illness and income protection tailored to your circumstances.
Learn more →Junior ISAs and long-term investment solutions to give children a strong financial start.
Learn more →Questions worth asking before retirement
Do you actually need all of the income?
Where there’s more pension than lifestyle requires, drawing it down isn’t automatically the right move — particularly with the 2027 change to how unused funds are treated. The sequence in which you spend different pots is a decision in its own right.
Is the gifting you’re already doing being recorded?
Regular gifts out of surplus income can be genuinely useful, but the exemption depends on evidence. Households that have been helping children for years are often already qualifying without documenting it.
Does the will still match the plan?
Estate planning and will drafting are separate exercises that need to agree with each other. We don’t draft wills, but we’ll tell you plainly when yours looks out of step with what you’re trying to achieve.
Financial advice in Sevenoaks: common questions
Is my estate likely to face inheritance tax?
If you own a home in Sevenoaks outright and hold pensions or investments alongside it, it’s worth checking rather than assuming. The answer depends on your circumstances, which is what a first conversation is for.
Do you work with our solicitor or accountant?
Regularly, and it usually produces a better result. Estate planning that ignores the will, or tax planning that ignores the investments, tends to leave gaps.
Do you advise on school fees planning?
Yes — as part of a wider plan rather than a standalone product. The question is normally where the money comes from and what it costs the rest of the plan.
Based in Hartley, Kent, I’ve been advising individuals and families across the South East since 2016. I provide fully holistic, whole-of-market advice covering pensions, investments, mortgages, protection and estate planning. Being independent means every recommendation is based solely on what is right for you — with no ties to any provider, insurer or lender.
Book your free initial consultation in Sevenoaks
No cost, no obligation. In person or by video call. I’ll confirm within one working day.
- Free 30-minute discovery call
- No obligation to proceed
- In person (Sevenoaks or Hartley) or by video call
- All fees confirmed in writing before work begins
- Response within one working day
Important Information
The information on this page is for information purposes only and does not constitute individual financial advice. Please seek regulated financial advice tailored to your personal circumstances.
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.