Our Approach
Our approach to financial planning is clear, structured and built entirely around your goals. We take the time to understand your full financial position, provide straightforward advice and deliver a long term plan designed to adapt as your life evolves
Modern | Dynamic | Honest
We always put our clients interest first, not our own. This means we always offer our best advice, even if that means we don’t earn a fee. Any advice we do give, will be in plain English and easy to understand.
Your Financial Planning Journey
Step 1
Free Initial Meeting
In our free initial meeting, we’ll discuss your financial objectives, needs and circumstances. This is an opportunity for you to get to know us and learn how our expert team can help you achieve your goals.
Did you know? Celtic Financial plants a British native tree for each new ongoing client. This eco-friendly initiative helps combat climate change, supports biodiversity, and benefits local wildlife. Partner with us to invest in both your financial future and a greener world.
FACE TO FACE OR ONLINE
Step 2
Information Gathering
We’ll collect detailed information about your financial situation, including assets, liabilities, income, and expenses. We do this via our secure online portal. This comprehensive understanding of your financial position includes your attitude to investment risk, ethical preferences and general wellness. We also complete Letters of Authority (LOAs) for any of your existing plans to better understand them, this allows us to ask providers questions but not make any changes.
WEEKLY UPDATES
Step 3
Analysis & Research
Our experienced team, along with your dedicated financial adviser, will analyse your financial profile and develop a customised financial plan.
This includes using the latest investment analysis tools and research to scrutinise factors such as risk, performance, asset allocation and more.
THE CELTIC INVESTMENT COMMITTEE HAS OVER 80 YEARS OF COMBINED EXPERIENCE
Step 4
Presentation & Discussion
We’ll present our recommendations to you, explaining the rationale behind each suggestion and ensuring you understand the benefits, risks, and implications. Together, we’ll fine-tune your financial plan to ensure it aligns with your needs and preferences.
NO OBLIGATION
Step 5
Implementation
IF HAPPY, IMPLEMENT
With your approval, we’ll implement your tailored financial plan, guiding you through every step of the process until everything is setup.
REVIEW: If you decide on an ongoing service, we’ll also conduct regular reviews to keep your plan on track and adjust it as needed to accommodate any changes in your circumstances or financial goals.
OVER 90% OF CLIENTS CHOOSE AN ONGOING SERVICE
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Planning Journey
Our Investment Philosophy
At the heart of this approach lies diversification. You are probably familiar with the old adage “Don’t put all your eggs in one basket”. This, at its simplest level, is what diversification is all about. Essentially, it reduces risk by creating a mix of investments in your portfolio and therefore reducing your exposure if one underperforms. As several studies have demonstrated, the combination of carefully selected asset classes and appropriately allocated proportions of each will help to create the maximum investment impact to meet your particular circumstances.
Diversification does not completely eliminate risk however. Nor can it guarantee returns on your portfolio – you could still get back less than you invested. But it does focus on reducing volatility by smoothing out the peaks and troughs to produce a more even investment performance and creates a robust investment portfolio that’s designed to cope with the unexpected.
Money Matters
Practical tips, insights, and updates to help you make confident financial decisions.
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Frequently Asked Questions
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.
A Chartered Financial Planner provides advice to the highest professional standards, focusing on helping you make informed, long term financial decisions. This typically includes structuring your investments, planning for retirement, managing tax efficiently and ensuring your wealth supports your wider life goals.
At Celtic Financial Planning, we take a holistic approach, bringing all aspects of your finances together into a clear, structured plan. Our role is to provide clarity, challenge where needed and help you stay on track as your circumstances evolve.
Our financial planning process is structured, thorough and built around your individual goals. We start by understanding your current position, objectives and priorities before creating a clear, tailored plan.
This typically includes reviewing your investments, pensions, tax position and wider financial arrangements. We then implement agreed recommendations and provide ongoing advice, ensuring your plan remains aligned as your circumstances and objectives evolve.
No two clients are the same, which is why our advice is always tailored to your specific situation. We take time to understand your financial position, family circumstances, business interests and long term goals.
This allows us to build a plan that reflects your priorities, risk profile and time horizons, ensuring every recommendation is relevant, practical and aligned with what you are looking to achieve.
Can we help?
If you’d like to discuss your financial planning, explore how we can support your goals, or make a general enquiry, we’d be happy to hear from you — simply complete the form or use the contact details below.
General Enquiries:
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