Unlocking Goals

Our multi-award-winning 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…

Multi-Award-Winning Planners

At Celtic Financial, we are a multi-award-winning, independent financial advisory firm 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.

what our clients say

Excellent

Based on 111 reviews

lightweight sw

17. November, 2023.

From the very start, clear and informing. Was extremely responsive and provided all the necessary information to my queries. My first experience with a mortgage adviser and it was perfect, would use again without hesitation.

Louis Davies

8. November, 2023.

All of the staff were really friendly! Sam helped me to set up a pension which is invested in things I am passionate about. Highly recommend

Joanne Hefferman

7. November, 2023.

Fantastic service and advice when I was going through a difficult time with my mum. Very clear advice and I came out with a plan. Would highly recommend, thank you Jo

Caroline Sanger-Davies

6. October, 2023.

I have nothing but confidence in this team - they have handled my pension moves so smoothly. Happy to recommend.

Chris Tinsley

5. October, 2023.

Great service, really helpful and easy to communicate with. All issues and queries that came up during our sale and purchase were dealt with smoothly and swiftly each time. Would happily recommend to anyone looking for this service.

R G

3. October, 2023.

Highly recommend Sammy. After failing to get the required mortgage offers from other mortgage broker beyond our expectations. A professional from head to toe, she is very knowladgable in her field which along side her hard work and dedication lead to delivering the job. I would recommend her without a doubt to friends,family or whoever wants to achieve a mortgage offer. She will be our go to mortgage advicer from now onwards. The way she works makes it an easy going process with all her back up along the way. Thank you Sammy now we are ready to pack and move to our dream home.

Tapuwa Muzimba

2. October, 2023.

Highly recommended. I was about to give up applying for a mortgage and just thought it would not be possible with my situation but Sammy and Taryn really worked hard to come up with the best deal for me which I did not expect. She kept updating me with the progress and explained the things I did not understand. The mortgage offer she got for me was a dream come true. Thank you Sammy and Taryn for all your help in making my dream come True. Keep up the good work 👏

Matthew Lee

2. October, 2023.

Great company. Very helpful and responsive. Would definitely recommend!

Evelyn Aindow

6. August, 2023.

I would definitely recommend Rob and his team at Celtic Financial Planning! We have found them to be very knowledgeable, good communicators, transparent and totally professional. In a world where jargon can be commonplace, Rob uses language that is understood by his clients and that is so important when making important decisions. I truly feel that Rob and his team have our very best interests at the heart of what they do for us and I’m sure this will be the same for everyone else also!

Steve Potter

6. August, 2023.

I was looking to reinvest a current pension that wasn’t working very well for me and Celtic financial was recommended to me. I had to make a big decision and felt quite apprehensive during my initial meeting, however during that meeting Rob covered off all the questions I had and I felt very comfortable leaving the meeting after several weeks, I moved my pension to Celtic financial. The transfer was hassle free, Rob and his staff were always available to answer any questions I had and were answered quickly. I received great service and I am very happy I made the switch. Thank you Celtic financial. Highly recommended. Steve Potter.

why clients choose and trust us

Independent

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

Free Initial Meeting

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

Advice Promise

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

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.

learn more

Hope House Champions

During an inspiring 36-hour window, every donation was generously doubled by sponsors, culminating in an incredible total of £611,162 raised for this vital cause.

Turn in Market Winds

What a difference a week makes in the financial world! Now, as we take stock of the past week, we’ve seen a remarkable rebound in the markets that has provided so much needed respite.

Downturn concerns resurface

The warm fall weather persists into October, yet the financial cold front from September is more concerning. Our upcoming article delves into the recent asset class performances.