Who We Help
Your financial life is personal, complex and constantly evolving. You deserve advice that is tailored, considered and built entirely around you
Modern | Dynamic | Honest
Financial Planning Built Around You.
At Celtic Financial Planning, we work with individuals, families and business owners who want clear, structured and independent advice. Whether you are building wealth, preparing for retirement, managing significant assets or thinking about future generations, we help you make confident decisions with your money.
As Chartered Financial Planners and Independent Financial Advisers, our role is simple — to put your interests first and help you achieve better long term outcomes.
Financial Planning for Business Owners
Running a business is demanding. Your personal and business finances are often closely connected, and poor planning can mean missed opportunities.
We help business owners make smarter decisions around pensions, investments, profit extraction, protection, succession planning and retirement. Whether you are growing your business, preparing for sale or thinking about life after exit, we can help you bring structure and clarity to your financial position.
Our advice is designed to help you protect what you have built and turn business success into long term personal financial security.
Financial Planning for Individuals
Wealth brings opportunity, but also complexity.
We work with clients who have typically built £150,000 or more of investable assets and want a clear strategy for managing, growing and protecting their wealth. This may include investment planning, pension advice, tax efficient structuring, estate planning and long term wealth management.
Our focus is on helping you make informed decisions, avoid unnecessary complexity and ensure your wealth supports the life you want to live.
Retirement Planning
Retirement is one of the biggest financial transitions you will ever make. The decisions you take before and during retirement can have a lasting impact on your future income, lifestyle and financial security.
We help clients understand when they can afford to retire, how much income they may need and how to structure pensions, investments and savings tax efficiently.
Whether retirement is years away or fast approaching, we can help you build a plan that gives you confidence and control.
Inheritance Tax Planning
Passing wealth on effectively takes careful planning.
We help individuals and families understand their inheritance tax position and explore ways to reduce unnecessary tax while retaining control and flexibility where possible. This may include reviewing pensions, investments, gifting strategies, trusts and wider estate planning arrangements.
Our aim is to help you protect more of your wealth for the people and causes that matter most.
Why Work With Us?
We are a multi award winning firm of Chartered Financial Planners based in North Wales, providing independent financial advice to clients across the UK.
Clients choose us because we offer:
Chartered expertise
Advice delivered to the highest professional standards, giving you confidence your financial planning is in experienced hands.
Independent advice
Whole of market recommendations, focused entirely on your needs, free from provider or product bias.
Long term planning
A clear, structured approach designed to adapt as your circumstances and goals evolve over time.
Proven & Trusted
Over 150 five star Google reviews and long standing client relationships built on clear, honest and reliable advice.
Ready to Start a Better Conversation?
If you are looking for clear, independent financial advice built around your goals, we would be happy to speak with you.
Whether you are a business owner, approaching retirement, managing significant wealth or planning for future generations, we can help you take the next step with confidence.