Home / Financial Adviser Tonbridge
KMD Financial Planning LLP - Hartley, Kent
Independent Financial Adviser
in Tonbridge
Chartered, independent financial planning for Tonbridge - built around the decisions families actually have to make.
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 Tonbridge
Six vague worries, three dated decisions
Tonbridge tends to attract people at a particular stage: settled work, a mortgage, children in or heading towards the local school system, and a first serious look at whether the long-term plan actually holds together.
That produces a fairly consistent set of questions. Whether the mortgage is still the right one after several years of rate movement. Whether the family would genuinely be all right if one income stopped - the question most people assume is answered by a policy taken out with the mortgage and not read since. Whether pensions picked up across three or four employers are doing anything useful. And, for many families here, how to fund school fees without either raiding the pension or improvising each September.
None of these are urgent in the way a crisis is urgent, which is precisely why they drift for years. The value of a plan is usually that it turns six vague worries into three decisions with dates against them.
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 Tonbridge
How we can help Tonbridge 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.
Protection
The one people skip
Protection is the least interesting part of financial planning and the part most likely to matter. It’s also where we find the widest gap between what people believe they have and what they actually hold.
Cover that hasn’t kept up
Policies taken out with a first mortgage are often still running against a much larger mortgage, a bigger family and a different income. The cover didn’t shrink - the need grew.
Income protection is the one that’s usually missing
Most families insure death and, sometimes, critical illness. Far fewer insure the far more likely event: being unable to work for an extended period. It’s worth knowing what your employer provides before deciding what to add.
Cover written in trust
Life cover not written in trust can end up inside the estate and subject to delay. It’s usually straightforward to put right and frequently overlooked.
You can read more about protection and insurance advice, or raise it at a first meeting.
Mortgage advice
Mortgage adviser and broker in Tonbridge
Families often move to Tonbridge for the schools and the trains into London, which usually means a larger home and a larger mortgage at the same stage of life as childcare costs. As a mortgage broker, we compare lenders across the market and look at the mortgage alongside your protection.
Moving for schools
School admissions can mean committing to an address by a particular date. Having a mortgage agreed in principle early, and knowing how long an offer will last, means you can move quickly when the right house comes up.
The mortgage and the cover together
A bigger mortgage changes how much life insurance and income protection your family needs. We review both at the same time, so the cover matches the new debt rather than the old one. Our life insurance calculator shows the sums involved.
Remortgaging
We start looking a few months before your fixed rate ends and compare a new deal with your current lender against the rest of the market, so you are not moved onto a higher rate by default.
More on how we work: mortgage advice in Kent.
Common questions
Financial advice in Tonbridge: common questions
We’ve got policies but don’t know if they’re right. Can you review them?
Yes, and it’s a common starting point. Reviewing what you already hold usually comes before recommending anything new.
Can you help with school fees planning?
Yes - as part of the wider plan. The realistic questions are where the money comes from, over what period, and what it costs everything else.
Do we need to come to you?
No. Meetings can be in Tonbridge, at the office in Hartley, or by video call, whichever is easiest around work and children.
Do you arrange mortgages in Tonbridge?
Yes. We arrange purchase mortgages and remortgages for clients in Tonbridge and the surrounding villages, comparing lenders across the market, and can review your protection at the same time.
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 Tonbridge
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 (Tonbridge 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.