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

    Based on 113 reviews
    christine meirion
    christine meirion
    19. February, 2024.
    Great service from Rob Lewis who was clear and concise. Highly recommended
    Stephanie Matthews
    Stephanie Matthews
    15. February, 2024.
    Fantastic, I have recommended this company to friends and family. They’ve been great from start to finish. Thank you so much
    Akhilesh Tapdiya
    Akhilesh Tapdiya
    23. January, 2024.
    I took service from Sammy-Jo for my mortgage need back in Aug 2023. I would highly recommended Sammy-Jo for any type of mortgage. She is very soft spoken and understood individuals mortgage need.
    David Carney
    David Carney
    23. January, 2024.
    Celtic Financial were very helpful,efficient and friendly throughout my recent remortgage transaction. Have to especially mention Taryn for all her help and assistance. Thank you.
    13. January, 2024.
    Found myself suddenly being made redundant at the age of 58. What a shock that was !! Luckily I had saved hard with my pensions whilst employed. Sam at Celtic Finance helped me move my pensions to another pension provider and basically split it into two separate pensions, one to see me through the next few years to the official state retirement age of 67 ( so I am now retired at the age of 59 ) and one to run parallel with the official state pension in the future. Sam at Celtic was a pleasure to work with being both friendly and professional through the whole process and I would like to wish him all the best in his future endeavours.
    Sian Littlewood
    Sian Littlewood
    15. December, 2023.
    I am truly grateful for all the help and support Sammy & Team have provided me whilst purchasing my first home. Nothing was a trouble or too much for them, they kept myself informed throughout the whole process and helped me through the most stressful parts. I personally recommend them to everyone!
    Graham Pettman
    Graham Pettman
    14. December, 2023.
    A good service provided, clear advice and a quick response when I have contacted them.
    lightweight sw
    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
    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

    why clients choose and trust us


    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


    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