Welcome to Kelly Financial

Financial Advice you can trust

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Financial Advice you can trust

We provide services to help you improve your financial plans. We aim to deliver information, advice and solutions which are clear and easy to understand. We will help you throughout your lifetime and pride ourselves on our long standing client relationships. With Kelly Financial, your plans will be kept under review so you can rest assured in the knowledge that expert assistance is always on hand.

For further information please contact Paul Kelly, Financial Adviser on 01322 332009 or info@kellyfs.com

Pensions

The reasons we conduct reviews for our clients are highlighted below. If you are not a client of ours already, the following questions may help you to decide whether you should get us to review your own pension plans.

Am I paying too much in charges? Is the level of risk in my pension funds right for me? Do my plans reflect my current circumstances? Am I getting the maximum tax breaks? Do I know how my past and current pensions all work? How impressed am I with my provider’s service? Am I on track for the retirement income I want?

There are essentially two reasons we are committed to ongoing reviews for our clients: to take account of changes in their own circumstances and aims, and, to ensure that any market developments are assessed.

Investments

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Trusts are not regulated by the Financial Conduct Authority.

Venture Capital Trusts invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

There are two key aspects;

The products (the wrappers or ‘pots’ that you hold your investments in)
The assets (the underlying investment holdings)

The two should not be confused! For example, Unit Trusts are not in themselves ‘risky’ investment products. Unit Trusts can be cautiously invested, and if so, they are suitable for cautious investors. They can equally be invested in highly speculative asset classes, in which case they are only suitable for speculative investors, comfortable with potentially very high volatility.

For advice that takes account of your circumstances from experts who can clearly explain the most suitable investment products and assets, please contact us.

Unit Trusts
Investment Trusts
Open Ended Investment Companies (OEICs)
Investment Bonds
Offshore Investment Bonds
Venture Capital Trusts

Mortgages

The Financial Conduct Authority do not regulate on Buy to Let mortgages.

Mortgages are complex and do involve a lot of paperwork and third party liaison. Our advisers research and arrange mortgages for all walks of life. With access to a huge range of providers and with unique deals available from time to time, we always aim to provide the most suitable deal for all our clients, regardless of their circumstances.

Our mortgage services provide a complete package, encompassing; all research, paperwork and processing. We are experienced in dealing with other professionals, such as conveyancing solicitors, to ensure that all aspects are coordinated for you. This means that we become your sole point of contact for the entire transaction.

First Time Buyer
Moving Home
Buy to Let
Remortgage
New Builds
Shared Ownership

Protection

Our aim is to help you establish the most suitable level of insurance protection and our advisers will help you protect those who depend upon you against the most serious risks that you face, specifically to your life and your health.

Life Insurance
Critical Illness Insurance
Income Protection Insurance*
Mortgage Payment Protection Insurance*
Permanent Disability Benefit Insurance
Death Benefit Insurance
Family Income Benefit

*Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Advisers

Paul Kelly, DipFA, MAQ
Financial Planning Consultant
Barnehurst, Kent DA7 6HN
Email: paul.kelly@kellyfs.com

Barry Nicholson, DipFA, CeFA, CeMAP
Financial Planning Consultant
Northumberland Heath, Kent DA8 3HB
Email: barry.nicholson@kellyfs.com

Martin Collins, CeMAP
Mortgage & Protection Consultant
Belvedere, Kent DA17 5JN
Email: martin.collins@kellyfs.com

James Hooper, CeMAP
Mortgage & Protection Consultant
Northumberland Heath, Kent DA8 3HB
Email: james.hooper@kellyfs.com

Administrators

Michelle Watson
Office Manager
Northumberland Heath, Kent DA8 3HB
Email: michelle.watson@kellyfs.com

Ellie McMullen
Financial Administrator
Northumberland Heath, Kent DA8 3HB
Email: ellie.mcmullen@kellyfs.com

About us

Kelly Financial Advisers all share and adhere to our company standards, training and compliance requirements and our client promise. We aim to be one of the leaders in our field and welcome feedback on our services and advisers to help us improve.

Kelly Financial will always put your interests first. We will:

Always try to be helpful, clear, easy to deal with, courteous and prompt.
Get to know you and your aims. Before any recommendations, your Kelly Financial Adviser will carry out a thorough fact find to ensure that any advice provided and solutions proposed are tailored to your needs and goals.
Do everything possible to ensure that all our clients receive high quality financial advice, and where suited, the most appropriate products to meet their specific needs.
Explain all charges and fees. In line with the requirements of our regulator, The Financial Conduct Authority, we will provide full illustrations and disclosure prior to any product implementation.
Arrange regular review meetings. Our review meetings aim to ensure that any changes in clients’ circumstances, aims and any changes in the marketplace, such as new products and funds can be taken into account on an ongoing basis.
Protect your data and only use it to provide our services. We do not and will not sell any client data to any other company or third party.
Ask our clients to give us feedback on our services to help us improve what we do. Generally, we provide easy to complete online surveys, sent via email links.

Contact

Kelly Financial
226 Bexley Road
Northumberland Heath
Kent
DA8 3HB

Tel: 01322 332009
Email: info@kellyfs.com

If you are unhappy with our service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Riverside House
The waterfront
Newcastle Upon Tyne
NE15 8NY

Email: qfpcomplaints@quilter.com
Tel: 0191 241 0700

You can find more information by visiting the Quilter Financial Planning website https://www.quilterfinancialplanning.co.uk/contacts/

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service: www.financial-ombudsman.org.uk

Privacy

Privacy Notice

Customer Privacy

At Kelly Financial we respect your privacy and the confidentiality of your personal information.

Who We Are

Kelly Financial are a trading style of Quilter Financial Advisers Limited which is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited who are part of the Quilter Group of companies. For further details on the companies in our group, please click here: https://www.quilter.com/about-us/our-brands/

What Data Do We Collect and Why

We collect personal information about you when you use our website, contact us about products and services, visit a financial adviser or carry out transactions with us. We collect information that is necessary for the provision of financial advice and administration of the products or services you are seeking, and for legal and regulatory purposes. We also collect and use your personal information where necessary to improve our services, our business processes, and to communicate with you. For the provision of advice we need to collect sensitive information, such as information about your health. To do this, we will ask for your consent.

We will always keep your data safe and secure, and where we share your data with other businesses to fulfil the purposes above we make sure they follow our instructions and keep your data secure. We will never sell your data, and we will not send you communications about unrelated services without your consent.

Find out More

Our Privacy Notice, please click here, holds much more information about how we collect, use and share your personal information. There is also information about the rights you have over your personal data, and how to contact us if you have any questions. Please click here, or write to:

The Office of Data Protection
Quilter Financial Planning Ltd
Wiltshire Court
Farnsby Street
Swindon
SN1 5AH

QFPDataGuardian@quilter.com

Telephone: 0161 488 3559

Kelly Financial is a trading style of Quilter Financial Advisers Limited which is an appointed representative of Quilter Mortgage Planning Limited and Quilter Financial Services Limited who are authorised and regulated by the Financial Conduct Authority (see the FCA register at www.fca.org.uk/register/, references 440718 and 440703). The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.