Unlocking Goals

Our multi-award-winning chartered team designs robust financial planning solutions to meet your goals, now and in the future. From buying your first home to retiring early, we can help…

    free initial meeting

    You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements. You agree that such personal information may be used to provide you with details initially by phone/email.

    Multi-Award-Winning Planners

    At Celtic Financial, we are a multi-award-winning, chartered independent financial advisers with a strong community and social consciousness. Based in North Wales and with a regional hub in London, we take pride in our honest and transparent approach to financial advice. Treating our clients like family, our priority is always putting your interests first. We have the most Google reviews in North Wales and strive to build and maintain long-term relationships by understanding individual needs, circumstances, and requirements. This is the foundation for helping our clients achieve their financial goals and aspirations.

    We are not your typical financial advisory firm. You won't find sales targets and pinstripe suits here, just good, honest, and friendly financial advice. Our goal is to challenge the status quo by providing a service-led, goal-based financial planning solution for our clients. Instead of getting caught up in jargon, we aim to deliver a clear plan to meet your objectives.

    In addition to our financial expertise, we also have strong connections with local trusted professionals in both accounting and law. We are proud sponsors of the Cheshire & North Wales Law Society and believe that our ability to work with them to create the proper tax structure for your investment portfolio is crucial in helping you achieve your financial goals. We believe this combined approach to planning provides an in-depth, holistic solution that rewards our clients with the best possible service.

    Free Retirement Report

    what our clients say

    Excellent
    Based on 117 reviews
    Ieuan Williams
    Ieuan Williams
    20. May, 2024.
    They gave clear advice and also explained the pitfalls and their advice has been very good to date..
    Mark Amos
    Mark Amos
    20. May, 2024.
    So glad I put my faith in Celtic financial. Rob and his team are a credit to themselves. As I knew very little about what I could do my pension pot and all the many different plans that were involved I can now relax knowing my hard earned money is in safe hands with this brilliant team of people.πŸ†πŸ†πŸ˜‰
    Ian Hughes
    Ian Hughes
    20. May, 2024.
    Hi Rob thanks making it. Easy to understand my options with my pension.very professional on your advice an investment.would recommend your services to anyone .thanks again Ian
    Amanda Percy
    Amanda Percy
    17. May, 2024.
    A great company and Rob has given us clear advice and explanations and gave us the confidence to invest. Always makes the time to help us with any queries.
    Paul & Sue Jones
    Paul & Sue Jones
    14. May, 2024.
    Nykki has always made us feel at ease & provides balanced financial insights & advice in a matter of fact way. She fully understands our requirements &, along with her team, works to achieve them for us..
    Keith Lloyd
    Keith Lloyd
    14. May, 2024.
    Sound financial advise delivered in a friendly accessible way - usually over a coffee or two!.
    Rick Walters
    Rick Walters
    14. May, 2024.
    I retired 3 years ago and wanted my lump sum to work & grow for us. Rob has been fabulous from the initial contact, to him and the team setting up appropriate ISA’s for us about 12 months later. Rob was very clear and explained everything in detail in a way we understood and gave us the confidence to work with Celtic Financial.Our investments are doing what we want of them and they are continuously reviewed which gives me confidence that our investments are in the right place. Thanks Rob and the team..
    Kim Barnes
    Kim Barnes
    16. April, 2024.
    Sammy-Jo was fantastic, told us everything we needed to provide before she could start her research. When she started, we received regular updates. Sammy-Jo is really professional and friendly. We wouldn't hesitate to recommend her services or use her again.
    christine meirion
    christine meirion
    19. February, 2024.
    Great service from Rob Lewis who was clear and concise. Highly recommended

    why clients choose and trust us

    Independent

    We are independent Financial Advisers, which means we have no restrictions on the providers we can recommend.

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    Free Initial Meeting

    We offer everyone the opportunity for a free no obligation meeting, allowing you to get to know us and our team.

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    Advice Promise

    You can hold us accountable to our financial advice, which we promise will always be the best we can give.

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    our holistic services at a glance

    mortgages

    From first time buyers to those looking to build a property portfolio, we have over 50 years’ experience of the mortgage market. Note that your home may be repossessed if you do not keep up your mortgage repayments.

    pensions & retirement

    From starting your first personal pension to painting a realistic picture of your retirement using the latest in cash flow modelling, our experts can help you plan for the future.

    savings & investments

    Our Investment Committee meet regularly to manage and monitor a wide range of investments, funds and savings vehicles such as ISAs and Bonds. We can help both lump sum and regular investors. Capital at Risk.

    protection planning

    We can help protect you, your family and/or your business, including life and critical illness cover, shareholder protection and private income protection.

    care fee planning

    Our independent later life financial specialists can provide helpful advice when it comes to mitigating the impact of care fees, or providing provision to meet the ongoing costs.

    equity release

    We can help you weigh up the best way to release equity from your home to supplement your retirement income, or meet your other goals and objectives.

    corporate social responsibility

    As Independent Financial Advisers, we feel it is important to have a corporate social responsibility policy, which is why we aim to adhere to four key targets: offsetting our carbon footprint; using Fairtrade products; using recycled paper; and establishing funds for local charities and the community.

    Visit our corporate social responsibility mandate page to find out more about our work, including working with the North Wales Wildlife Trust to plant a native British tree for every new pension and investment client.

    Middle East Market Insights

    The Middle East has once again taken centre stage in global news, this time due to escalating tensions between Israel and Iran. Unlike more immediate confrontations like those seen in Ukraine.

    Coffee & Cake Success

    Thanks to your overwhelming support, we are proud to announce that the event raised a total of Β£2,408.93 for the Wales Air Ambulance, including the invaluable addition of gift aid.

    Welcome to Chris Lloyd

    Meet Chris Lloyd, our newest Chartered Financial Planner, enhancing our team’s expertise in pensions, investments, and estate planning for high net worth clients in Chester and the Wirral.

    Award Winning Financial Advisers