Unlocking Goals

Our experienced team design financial planning solutions to meet your goals, from buying your first home to retiring early, we can help…

free initial meeting

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Celtic Financial Planning

Celtic Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA). We strive to build and maintain long-term relationships with our clients by understanding individual needs, circumstances and requirements. These are the first steps towards our clients achieving their financial goals and aspirations.

We are based in the historic market town of Mold, North Wales, with branches in Ruthin and Denbigh.

We want to challenge others by providing a service-led goals-based financial planning solution for our clients. Instead of getting bogged down in jargon such as SIPPS and Wrappers, we aim to deliver a plan to meet your goal(s) such as retiring 5 years earlier. You won't find sales targets and pinstripe suits here, just good, honest and friendly financial advice.

A further attribute is our connection with local trusted professionals in both accountancy and law. Our ability to work with them to help create the right 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.

Informal picture of the team at Celtic Financial
Team effort when it comes to client meetings

why clients choose us

Independent

We are independent Financial Advisers, which means we work for you and not a bank or insurance company.

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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 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.

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.

Investment Committee 04/09/2019

Tariffs and Brexit dominate. Whether Boris proves to be a Ben Stokes and our hero remains to be seen! The UK and Europe are working toward a compromise on Brexit, but a constitutional crisis is brewing.The UK Government is in turmoil so lots of noise…

Financial Adviser of the Year

Robert Lewis from Celtic Financial Planning shortlisted as a finalist in the fifth annual Growth Investor Awards. In the running among seven other leading individuals for the coveted award for Financial Adviser of the Year 2019.

How can an IFA help?

An IFA (Independent Financial Advisor) can give you advice on a multitude of financial products they believe will accommodate your needs. Not only does their independence allow them to provide unbiased and impartial advice.