Chartered Financial Adviser in Kent – About Kris Dabner | KMD Financial Planning
KMD Financial Planning LLP — Hartley, Kent

Chartered Financial Adviser in Kent

I’m Kris Dabner, founder of KMD Financial Planning LLP and a Chartered Financial Planner based in Hartley, Kent. I provide independent, whole‑of‑market advice across pensions, investments, mortgages, protection and estate planning — helping individuals and families across the South East build confident financial futures.

✓  Chartered  ·  Independent  ·  FCA Regulated  ·  Free initial consultation
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Kris Dabner, Chartered Financial Adviser in Kent
2016
Advising clients since
5
Areas of financial planning
100%
Independent & whole‑of‑market
Free
Initial consultation

About Kris Dabner

My career began in the car industry, where I discovered a genuine passion for helping people make important decisions with confidence. That led me to NatWest in 2015 as a Mortgage Adviser, before moving into broader financial planning roles where I could support clients across every aspect of their financial lives.

Over the following years I deepened my expertise across pensions, investments, protection and estate planning, ultimately achieving Chartered Financial Planner status — the highest level of professional accreditation in UK financial planning. I founded KMD Financial Planning LLP to offer the kind of genuinely independent, holistic advice I had always believed clients deserved.

Most days you will find me working from my office in Hartley, Kent, or travelling to meet clients across Gravesend, Dartford, Sevenoaks, Maidstone, Tonbridge and the wider South East. I have always been described as a “proper financial geek” — and I take that as a compliment. My job is to turn financial complexity into clarity, structure and peace of mind.

Being independent means every recommendation is based solely on what is right for you. I am not tied to any provider or panel. Every client receives whole‑of‑market advice tailored to their specific goals, circumstances and values.

Career Journey From the car industry to Chartered Financial Planner — a career built around helping people make confident decisions at every stage.
  • Mortgage Adviser — NatWest Moved from the car industry into financial services, advising customers on mortgage products and developing a deep interest in financial planning.
  • Broader Financial Planning Expanded into pension, investment and protection advice, supporting clients across all areas of their financial lives for the first time.
  • Achieved Chartered Financial Planner Status Attained the highest level of professional accreditation in UK financial planning, awarded by the Chartered Insurance Institute.
  • Founded KMD Financial Planning LLP Established an independent practice to offer truly whole‑of‑market advice — free from the constraints of tied or restricted panels.
  • Advising Across Kent & the South East Helping individuals and families across Gravesend, Dartford, Sevenoaks, Maidstone, Tonbridge and beyond with holistic, independent financial planning.
How I Work With Clients My approach is built on six principles that guide every piece of advice I give and every client relationship I 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.
Transparency All fees are explained clearly in writing before any work begins. No hidden charges, no commission that influences recommendations, no surprises.
Holistic planning Your pension, investments, mortgage, protection and estate planning are all connected. I consider the full picture to ensure every part of your financial plan works together coherently.
Clarity over jargon Financial advice should be understandable. I explain complex topics in plain English so you can make genuinely informed decisions rather than simply trusting what you are told.
Long-term relationship Good financial planning is not a one-off event. I work with clients over the long term, reviewing and adapting their plans as life changes, legislation evolves and goals develop.
Your interests first As a regulated independent adviser, I am legally and ethically required to act in your best interests. There are no sales targets, no product quotas and no pressure to buy anything.
Areas of Advice I provide whole‑of‑market advice across all the main areas of personal financial planning. Click any service to find out more.
Pension & Retirement Planning Consolidation, drawdown, annuities, contribution strategy and tax-efficient retirement income planning. Learn more → Investment Advice ISAs, GIAs, investment bonds and evidence-based portfolio management aligned to your goals and risk profile. Learn more → Estate Planning & IHT Inheritance tax planning, trusts, gifting strategies and wealth protection for the next generation. Learn more → Mortgage Advice Whole-of-market mortgage advice for first-time buyers, home movers, remortgages and buy-to-let. Learn more → Protection & Insurance Life insurance, critical illness cover, income protection and family income benefit tailored to your needs. Learn more → Transparent Fees All fees confirmed in writing before work begins. View our full fee structure including mortgage, financial advice and ongoing service fees. View fees →
What Clients Say Trusted by individuals and families across Kent and the South East.
Ready to get started? Whether you are planning for retirement, reviewing investments, thinking about estate planning or simply want to understand your financial position more clearly, the first step is a free, no‑obligation conversation. Book a free initial call No obligation · No cost · In person or by video call
The information on this website is for use of residents of the United Kingdom only.

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.