Direct Financial Planning UK Limited

Direct Financial Planning UK Limited: independent financial advice in Rochester, Kent

Direct Financial Planning UK Limited is an independent financial advisory firm based in Rochester, in the county of Kent (United Kingdom). The company presents itself as a practice that works with both individuals and businesses of any size, with the stated aim of designing financial plans tailored to each client's situation and goals.

Its approach is based on a premise repeated on its website: before recommending any product, it listens to the client's needs, expectations and objectives in order to formulate a personalised plan. The firm insists on offering clear advice without technical jargon, and on the client — their life, their family and their future — being at the centre of its activity.

Financial and wealth planning services

The firm's service catalogue covers the main areas of personal and business financial planning. Among those most requested by its clients, the company highlights:

• Wealth Management: includes relationship management, trust information and advice on Lasting Power of Attorney.
• Pensions: retirement planning, NEST (National Employment Savings Trust), occupational pensions and auto-enrolment, annuities, income drawdown or unsecured pension, personal and stakeholder pensions, state pension, SSAS, executive pension plan, SIPP and long-term care planning.
• Financial planning: a comprehensive process aimed at turning the client's objectives into a concrete plan.
• Mortgages: loans for home purchase, with options including first-time buyer, remortgaging, standard variable rate, fixed rate, tracker, cashback, offset, second charge, buy-to-let and self-build.
• Savings and investments: capital investment bonds, offshore funds, collectives, Junior ISAs, national savings products, endowments, ISAs, equities, unit trusts, OEICs, investment trusts and fixed interest investments.
• Protection: life assurance, family income benefit, income protection, private medical insurance and critical illness cover.
• Business protection: key person insurance, share protection, directors' and staff benefits, income protection, relevant life cover, employers' liability and professional indemnity.
• Equity release: lifetime mortgage, home reversion plan, drawdown lifetime mortgage and home income plan, with information on costs.
• Taxation: income tax, capital gains tax and inheritance tax. The firm notes that inheritance tax planning is not regulated by the Financial Conduct Authority.

A five-stage planning process

The company describes a structured working method for drawing up each client's financial plan. The process begins with a meeting to learn about the current personal and financial situation, followed by a conversation about objectives, aspirations and possible concerns. The firm then analyses the financial position and presents its initial ideas; after that it sets out the personal financial plan and, once agreed, puts it into action. Finally, review dates are set — annually or more frequently if the client requests — to monitor progress.

Clients and scope of activity

The firm serves individuals and businesses of all sizes. Its website includes testimonials from clients in Kent locations such as Rainham, Hempstead, West Malling and Maidstone, who mention advice on mortgage protection, financial planning, investments, pensions and social impact planning. The company also offers online calculators on equity release, mortgages, pensions and other products, as well as research links, market data and blogs.

Contact and presence

The firm can be contacted by telephone on 01634 730 800 and by email at enquiries@directfp.co.uk. Its opening hours are Monday to Friday 9:00 to 22:00 and Saturday and Sunday 9:00 to 20:00.

Telephone: 01634 730 800 · Email: enquiries@directfp.co.uk