Financial Clarity

An Independent Financial Adviser can recommend solutions from across the whole of the market, rather than being restricted to specific providers. This allows advice to be tailored entirely around your circumstances and objectives.

For clients with more complex financial needs, independence is particularly valuable. It ensures your investment strategy, pension planning and tax arrangements are aligned and working together. At Celtic Financial Planning, our independence allows us to focus solely on what is right for you, without compromise.

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.

We have offices in Mold, Flintshire and St Asaph, Denbighshire, supporting clients across North Wales and the surrounding areas. We also have a presence in London, where we regularly meet clients in the City.

For added flexibility, we offer meetings in person or online, depending on your preference. This allows us to support clients across the UK while maintaining a personal and accessible service.

Managing wealth effectively requires more than simply choosing investments. It involves creating a clear strategy that considers tax efficiency, risk, time horizons and your long term objectives.

We help clients bring structure to their finances by building a comprehensive financial plan, ensuring all assets are working together. This includes reviewing existing arrangements, identifying inefficiencies and putting a disciplined approach in place to support better decision making over time.

Retirement planning is about turning your accumulated wealth into a sustainable and reliable income, while managing risks such as market volatility, inflation and longevity.

We work with clients to model different scenarios, structure pension withdrawals tax efficiently and ensure their income remains aligned with their lifestyle goals. Regular reviews and ongoing advice are key, helping to adapt the plan as circumstances and market conditions change.

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.