Home / Financial Adviser Sevenoaks
KMD Financial Planning LLP - Hartley, Kent
Independent Financial Adviser
in Sevenoaks
Chartered, independent financial planning for Sevenoaks - with particular focus on estate planning and inheritance tax.
CharteredIndependentFCA RegulatedFree initial consultation
Chartered Financial Planner
Awarded by the Chartered Insurance Institute for advanced qualifications and ethical practice
Whole-of-market
Not tied to any provider, insurer or lender - every recommendation is independent
FCA regulated
Authorised and regulated by the Financial Conduct Authority (ref. 1032694)
Transparent fees
All costs confirmed in writing before any work begins - no surprises
Financial advice in Sevenoaks
When 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.
Why choose KMD Financial Planning
- Chartered status - awarded by the Chartered Insurance Institute, 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.
Services available in Sevenoaks
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.
Pension & retirement
Personalised retirement planning and pension consolidation, drawdown and annuity advice.
Investment planning
Evidence-based, whole-of-market investment strategies aligned to your goals and risk attitude.
Mortgage advice
Whole-of-market mortgage advice for first-time buyers, home movers and remortgages.
Estate planning & IHT
Strategies to protect your estate, reduce inheritance tax and pass wealth on efficiently.
Protection & insurance
Life insurance, critical illness and income protection tailored to your circumstances.
Investing for children
Junior ISAs and long-term investment solutions to give children a strong financial start.
Before retirement
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.
Mortgage advice
Mortgage broker in Sevenoaks
Sevenoaks prices mean larger loans, and larger loans are where the choice of lender matters most. As a mortgage broker, we compare lenders across the market, including those that specialise in higher and more complex incomes.
Complex income
Bonuses, partnership drawings, dividends and self-employed profits are treated differently from one lender to the next. Some will use more of your variable income than others, which can change both how much you can borrow and the rate you are offered.
Interest only and part and part
Where there is a clear plan to repay, such as investments, pensions or the sale of another property, interest only or a mix of interest only and repayment can make sense. Lenders will want to see that plan, and so will we.
Helping children buy
Gifting a deposit can also form part of your inheritance tax planning, because gifts can fall outside your estate if you survive seven years. We look at the gift, the child’s mortgage and your estate plan together.
More on how we work: mortgage advice in Kent.
Common questions
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.
Can you help with a large mortgage in Sevenoaks?
Yes. We arrange larger and more complex mortgages, including for clients with bonus, partnership or self-employed income, comparing lenders across the market.
Your adviser
Kris Dabner
Chartered Financial Planner & founder, KMD Financial Planning LLP
Based in Hartley, Kent, I’ve been advising individuals and families across the South East since 2015. 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.
Chartered Financial Planner
Whole-of-market independent
FCA regulated · ref. 1032694
Advising since 2015
Get in touch
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.
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.
INHERITANCE TAX PLANNING, WILL WRITING, TRUSTS AND TAXATION ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Please seek regulated financial advice tailored to your personal circumstances.