Keystone Wealth Management

Financial and mortgage advice from Kingston upon Thames

Keystone Wealth Management is a financial advice firm founded in 2010 and based in Kingston upon Thames. Its advisers work across mortgages, investments, retirement planning, protection, equity release, estate planning and long-term care, addressing both first-time buyers and clients looking to organise their financial future. The firm presents its approach as clear, jargon-free guidance tailored to each client's goals.

Property finance and mortgage work

The property finance service is aimed at first-time buyers, people moving home and experienced property investors. The firm states that it draws on its expertise to secure a suitable deal for each client's specific needs. Mortgage advice is delivered by named advisers within the team, including Roopa Tedla and Daniela Serban, alongside financial advisers Richard Mullan, Neil Clift and Jose Cuervo.

Investments, protection and retirement planning

On the investment side, Keystone describes strategies designed to beat inflation over the medium term, adapted to the client's circumstances, risk tolerance and future goals, while making use of tax allowances. The protection service covers mortgage protection, protection of the client's own lifestyle and situations where other people depend on the client financially, with what the firm describes as practical advice and affordable solutions. Retirement planning addresses building a retirement fund, reviewing existing arrangements and exploring flexible, tax-efficient withdrawal options.

Estate planning, equity release and long-term care

Estate planning is presented as a way to arrange affairs so that a legacy is not unintentionally left partly to the state; the firm notes that this area is not regulated by the Financial Conduct Authority. Equity release and long-term care are treated as specialist areas in which the firm explains benefits, potential risks and the impact on future plans and on the client's family.

How the advice process works

The firm sets out a six-stage process. It begins with a free initial consultation to outline the services and identify financial goals and objectives, followed by information gathering on the client's current circumstances and existing arrangements. A strategy is then developed from an analysis of circumstances and objectives, and a later meeting presents the customised proposals as a roadmap. Implementation follows once the strategy is approved, and the process closes with ongoing reviews on an agreed schedule to keep arrangements suitable and on track.

A 30-minute initial consultation is offered at the firm's London office, described as a way to try the advice process without cost.

Team and office

Beyond the advisers, the team includes Vishen Garikedu as office manager, Byron Carter in business development and marketing, and David Carter as founder. The firm also refers to a referral programme and a careers section for those interested in joining as a Keystone partner. Since 2010 it has operated from its own offices in Kingston upon Thames, used both for adviser-client meetings and as a workspace for advisers and the administration team.

Client feedback and regulatory status

The site reported 52 reviews, all rated five stars, split between Google (34) and Trustpilot (18), as of 25 September 2026. Individual testimonials cited remortgage work, mortgage advice and the clarity of the advisers' explanations.

Keystone Wealth Management Limited is registered in England and Wales with registration number 07153249. It is an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority and entered on the FCA Register under reference 440703. The firm states that its website is subject to the UK regulatory regime and targeted at consumers based in the UK.