About Us

To create a culture where the fair treatment of our clients is at the core of everything we do, essentially we treat every client like mum and dad, even if that means we tell them we can’t help or it would be more cost effective for them to do it themselves, should they desire.

That culture extends to every member of the team and that everyone is accountable for their conduct, taking due care and diligence in all their actions.

Yes, we offer an initial meeting at no cost, giving you the opportunity to discuss your circumstances, objectives and what you are looking to achieve.

This first conversation is designed to help both sides understand whether we are the right fit to work together. We will outline how we approach financial planning, the areas we can support with and what ongoing advice would look like.

There is no obligation to proceed, and no pressure — just a clear, straightforward discussion to help you decide your next steps.

We do things differently. As independent financial advisers, we are not tied to any providers, sales targets or product incentives, meaning our advice is free from bias and focused entirely on what is right for you.

In a market where true independence is becoming increasingly rare, we believe this is essential. It allows us to cut through industry noise and provide clear, honest and well-structured financial planning that is built around your goals, not driven by products.

Our approach is grounded in long term thinking and strong relationships. We take the time to understand your full financial position, challenge where needed and guide you through important decisions with clarity and confidence. It is the same standard of advice we would give our own families, with a genuine commitment to doing the right thing at every stage.

We work with individuals, families and business owners who want a clear, structured approach to managing their finances. Many of our clients have built significant assets, typically £150,000 or more of investable wealth, and are looking for expert guidance to manage, grow and protect it effectively.

Clients often come to us when they are approaching key financial decisions, such as retirement, business changes or planning for the next generation. This includes those looking to structure their wealth more efficiently, manage investments with greater discipline and address considerations such as inheritance tax planning.

They value long term relationships, thoughtful advice and the confidence that comes from having a trusted adviser providing clarity, oversight and ongoing support as their circumstances evolve.

This is one of the most important questions you can ask, and rightly so.

As a firm, Celtic Financial Planning is authorised and regulated by the Financial Conduct Authority, which means we must meet strict standards around how we advise, operate and look after our clients. We only recommend regulated products and work with established, reputable providers, giving you an additional layer of protection.

Where applicable, your investments may be covered by the Financial Services Compensation Scheme. This provides protection in the event that a regulated provider is unable to meet its obligations, although the level of cover can vary depending on the type of product.

We also hold professional indemnity insurance, adding a further safeguard for our clients.

It is important to understand that while these protections exist, the value of investments can go down as well as up and you may get back less than you originally invested. Market movements are a normal part of investing, which is why we focus on building well structured, long term strategies designed to manage risk and support your financial goals.

Our role is to ensure your financial planning is robust, transparent and aligned with your objectives, so you can move forward with confidence.