Independent Financial Adviser
in Dartford

Where the early decisions matter most

Dartford sits where Kent meets London — the Crossing and the M25 on one side, the rail links and Ebbsfleet International on the other. It’s a town a lot of people move to in order to buy: often a first home, often a new build, and often at the point where two sets of finances stop being separate arrangements and become one.

That makes the early questions the important ones. How much you can genuinely borrow, rather than what an online calculator suggests. Whether a new-build incentive is worth what it appears to be worth. What a five-year fix actually commits you to if your circumstances change inside it. And whether the life cover bundled with the mortgage would do what you assume, in the situation you took it out for.

Then there’s the one that gets postponed for a decade: the two or three workplace pensions left behind at previous employers, quietly invested in whichever default fund applied at the time. Consolidating isn’t always the right answer — but knowing what you hold, and what it’s costing you, generally is. That’s the starting point for most pension conversations.

• ✓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.