Independent Financial Adviser
in Swanley

Financial advice in Swanley

A local adviser, a short drive from Swanley

KMD Financial Planning is based in Hartley, a short drive from Swanley, and works with people across the town and the villages around it: Hextable, Crockenhill and Swanley Village among them.

Swanley sits where the M25 meets the M20 and the A20, right on the edge of London. That shapes the questions people bring. Some commute and have collected pensions from several employers along the way. Some moved out for more space and are now looking at a bigger mortgage. Many work for themselves, which changes how almost every part of a financial plan works.

A first meeting is about understanding what you are trying to achieve. It can be at the office in Hartley, at your home, or by video call, and it costs nothing.

Fees are confirmed in writing before any work begins. You can see how charges work before you get in touch.

Why choose KMD Financial Planning

• Chartered status - awarded by the Chartered Insurance Institute, reflecting rigorous technical knowledge and a commitment to ethical practice.
• 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.

Self-employed and company directors

Planning when you work for yourself

Running your own business, as a sole trader or through a limited company, removes most of the safety nets an employer would normally provide. Nobody else pays into your pension, nobody pays you when you are ill, and a lender has to work harder to understand your income. None of that is a problem if it is planned for. It tends to become one when it is not.

Pensions when nobody else is paying in

Personal contributions receive tax relief at your marginal rate. If you trade through a limited company, the company can usually pay into your pension directly, and those contributions can often be treated as a business expense. If you have paid in little for a few years, carry forward may let you use unused allowance from the previous three tax years. Our guide to pension advice in Kent covers how we approach it.

If you could not work

Self-employed people cannot claim Statutory Sick Pay, so a long illness can stop your income almost immediately. Income protection pays a regular income if you cannot work, and the waiting period before it starts can be set to match the savings you could fall back on.

Business money and personal money

For company directors, the balance between salary, dividends and pension contributions affects your tax bill, your mortgage application and your retirement at the same time. We look at all three together, and work alongside your accountant rather than around them.

Common questions

Financial advice in Swanley: common questions