How much does financial advice cost at KMD Financial Planning?

Fees depend on the complexity of your circumstances and the work involved. We always provide a clear, written fee disclosure before any chargeable work begins. The initial consultation is always free with no obligation. Factors that influence cost include the complexity of your financial position, the number of areas being advised on and whether ongoing advice is required.

Is the initial consultation free?

Yes. The initial consultation is always free and carries no obligation. It is an opportunity for us to understand your circumstances and goals, and to confirm whether and how we can help — before any fees are discussed or agreed.

Is there a fee for insurance and protection advice?

No. We do not charge an upfront fee for protection advice. We receive commission from the insurer when a policy is placed on risk. This commission is always disclosed in full before you proceed, and our recommendation is always based on suitability — never on which policy pays the highest commission.

Independent Financial Advice in Kent

KMD Financial Planning LLP — Hartley, Kent

Independent Financial Advice in Kent

Six trusted areas of financial planning from a Chartered Independent Financial Planner. Not tied to any provider — every recommendation is whole-of-market and based entirely on what is right for you.

✓ Chartered · Independent · FCA Regulated · Free initial consultation

Book a free initial call About Kris Dabner

What Independent Financial Advice Means As an independent financial adviser, we are not tied to any provider, product or investment house. Every recommendation is assessed across the whole market — chosen solely because it is right for you.

Independent advice means you benefit from access to the entire market — not just a panel of preferred providers. We assess every product, lender and insurer on its own merits against your specific circumstances, goals and tax position. You can verify our authorisation on the FCA Financial Services Register under reference number 1032694.

Chartered Financial Planner status is the highest professional accreditation in UK financial planning, held by fewer than 10% of advisers. It reflects advanced technical knowledge, ethical practice and a formal commitment to continuing professional development. Learn more about the value of independent advice at MoneyHelper, the government-backed financial guidance service.

Our approach is holistic — meaning we look at your entire financial picture rather than treating each area in isolation. Your pensions, investments, mortgage, protection and estate planning all work together within one coherent, long-term strategy.

Our Financial Planning Services We provide whole-of-market advice across all the main areas of personal financial planning. Click any service to find out more.

Pension and retirement planning advice in Kent

Pension & Retirement

Pension Advice in Kent

Whether you are consolidating old pensions, planning your retirement income or choosing between drawdown and annuity options, we provide clear, independent advice to help you make confident decisions. Explore pension rules at The Pensions Regulator.

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Investment Planning

Investment Advice in Kent

Evidence-based investment strategies using ISAs, GIAs, investment bonds and SIPPs — built around your goals, risk profile and time horizon. Not tied to any platform or fund manager. For background guidance visit MoneyHelper.

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Estate Planning

Estate Planning Advice in Kent

Inheritance tax is charged at 40% on estates above the nil-rate band. With house prices across Kent rising significantly, effective planning has never been more important. We advise on gifting, trusts and life insurance in trust. See HMRC’s IHT guidance.

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Mortgage

Mortgage Advice in Kent

Whole-of-market mortgage advice for first-time buyers, home movers, remortgagers and buy-to-let landlords — including lenders not available on comparison sites. Complex cases including self-employed and adverse credit welcome.

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Life insurance and protection advice in Kent

Protection & Insurance

Insurance Advice in Kent

Independent advice on life insurance, critical illness cover, income protection and family income benefit — searching the whole market for the most suitable cover. No upfront fee for protection advice; we receive commission from the insurer on placement.

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Investing for Children

From Junior ISAs to structured long-term savings plans, we help you build a strong financial foundation for your children or grandchildren. Up to £9,000 per tax year can be invested in a Junior ISA free of income and capital gains tax.

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Why Clients Choose KMD Financial Planning Our approach is built on six principles that guide every piece of advice we give and every client relationship we build.

Independence Not tied to any provider, lender or insurer. Every recommendation is assessed whole-of-market against your specific circumstances — never against a panel or product incentive. Verified on the FCA Register.

Chartered Status The highest professional accreditation in UK financial planning, held by fewer than 10% of advisers. Reflecting advanced technical knowledge and a commitment to ethical practice.

Holistic Planning Your pension, investments, mortgage, protection and estate planning are all connected. We consider the full picture to ensure every part of your financial plan works together coherently.

Transparent Fees All fees explained clearly in writing before any work begins. No hidden charges, no surprises. View our full fee structure here.

Clarity over Jargon Financial advice should be understandable. We explain complex topics in plain English so you can make genuinely informed decisions rather than simply trusting what you are told.

Your Interests First As a regulated independent adviser, we are legally and ethically required to act in your best interests. No sales targets, no product quotas and no pressure to buy anything.

Our Financial Planning Process A clear, structured process so you know what to expect at every stage. Nothing happens without your agreement and no fees are incurred until you choose to proceed.

Free Initial Consultation

A no-obligation call or meeting to understand your goals, circumstances and concerns. We confirm whether and how we can help before any work begins.

Fact-Find

We gather a full picture of your financial position — income, assets, existing arrangements, tax position and long-term goals.

Research & Analysis

We assess the whole market to determine the most suitable strategy, wrappers and providers for your specific circumstances.

Written Recommendation

A clear suitability report in plain English explaining our advice, the reasoning behind it, costs involved and any risks or alternatives considered.

Implementation

We handle the paperwork, liaise with providers and manage the process from start to finish so you do not have to.

Ongoing Review

Annual reviews to keep your plan on track as legislation changes, markets move and your personal circumstances evolve.

Useful Independent Resources

🏛️ MoneyHelperGovernment-backed financial guidance 🔒 FCA Financial Services RegisterVerify our authorisation — ref. 1032694 📋 HMRC — Inheritance TaxOfficial IHT guidance and thresholds 🎓 The Pensions RegulatorPension rules and guidance ⚖️ Financial Ombudsman ServiceYour rights and how to complain 💰 HMRC — ISA GuidanceISA rules, allowances and types

Ready to talk to an independent financial adviser in Kent? Whether you are planning for retirement, investing for the future, protecting your family or thinking about estate planning, a short conversation can bring clarity and confidence to your financial future. Book a free initial call No obligation · No cost · In person or by video call

Important Information

The information on this page is for general information purposes only and does not constitute individual financial advice. Please seek regulated financial advice tailored to your personal circumstances before making any financial decisions.

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. Past performance is not a reliable indicator of future results.

Pensions are a long-term investment. You may get back less than you put in. The tax treatment of pension benefits can and may change in the future.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.