our approach

We are here to provide independent holistic financial planning by harnessing the latest technology (including cash flow modelling and portfolio analysis) to help clients picture their changing financial circumstances now and the future, with a focus on stress testing any planning on a regular basis to ensure it continues to meet their needs. We place the client at the heart of everything that we do.

Managing your wealth is absolutely critical to your financial well-being, but it is far from an exact science and future performance can be unpredictable.

Your investment may fall as well as rise and you may not get back what you put in.

Whether you are investing for growth, to generate an income, or simply aiming to counter the effects of inflation, Celtic Financial has a range of investment strategies to suit you as an individual. From a recommendation about the most appropriate ISA for your needs to a truly bespoke investment portfolio, we have a solution that we believe can work for you.

Responsibility for determining the investment approach is the role of our Investment Committee, which discusses developments within the investment marketplace and our chosen investment strategies. During this process, we are guided by a range of research sources and professional managers, to ensure our clients have the opportunity to achieve consistent performance over the medium to longer term.

We have a clear cost structure and work with some of the UK’s leading investment management firms to ensure our clients’ wealth is invested appropriately and professionally at the best possible terms.

1. Establish Relationship

We offer a free no obligation review to establish how we can help, this includes fully discussing our fees and charges.

2. Collect Information

We spend time getting to know you and your circumstances, along with collecting information about existing plans.

3. Analyse

Based on your current objectives and needs we identify any shortfalls or gaps in your financial planning.

4. Develop Solutions

Based on your objectives and goals we produce our recommendation report and present it to you.

5. Implement

If you are happy with our recommendations and any costs involved we put them into force.

6. Review

If appropriate we provide ongoing advice and reviews to ensure the recommendations remain suitable.

how can we help you?

Contact us at Celtic Financial to book a free no obligation initial meeting.