Independent Financial Advice

How Can Personal Financial Planning Help Me?

Strategic financial planning should be a long-term, ongoing process that includes all aspects of financial organisation, whether budgeting, banking, insurance, mortgages, investments, retirement planning or tax planning.

Personal Financial Planning refers to the process of financial management and providing advice and services to individuals.

Financial planning is about meeting personal goals. These goals can often range from building an investment portfolio or paying for your children’s university fees.

In many cases, our independent financial planners will work with clients for many years, assisting them with their objectives as they experience various life-changing events.

Personal financial planning is dependent on many factors, including:

Our financial planning analysts can help you build and execute a plan that will help you meet your needs, within your financial boundaries.

Why Is Personal Financial Planning Important?

Planning is essential. It gives you the means the properly manage your money and achieve personal monetary satisfaction. When you reach the point that you are thriving financially, we can also ensure you safeguard your wealth for the future and provide you with financial security.

Personal financial management is a disciplined approach to not only managing your money but also reaching your life goals.

Our financial planners will work with you for a long period, to understand you and your financial needs, providing tailored solutions that keep you on track financially.

What Can KLO Financial Services Help Me With?

We support individuals across a wide portfolio of services, including, but not limited to:

  • The need for adequate family protection in the event of ill health or death.
  • Financial planning for retirement.
  • The tax efficient investment of capital for growth or income.
  • Saving for long term goals.
  • Financial planning for business owners.
  • Mitigation of tax liabilities, including inheritance tax planning.

We’re Here to Help

Contact Us Today

We are always eager and available to meet with you to discuss your financial objectives and assess your current strategies. No question is too big or too small. The first consultation is always free and comes with no obligation. If you’d like to speak to one of our expert financial advisers, get in touch today.

Why Should I Choose KLO Financial Services?

At KLO Financial Services, our personal financial planning process enables us to provide knowledgeable and independent financial advice.

What Are The Benefits Of Personal Financial Planning?

We’re passionate about wealth management and highlighting its importance to our audience.
Here are five powerful reasons why financial planning support from an expert adviser is key:

Improved Income Management

Regardless of your circumstances, a smart and powerful benefit of personal financial planning is the ability to utilise all the funds you have, to help build a better financial future.
This involves us reviewing your personal income and outgoings. Planning well in advance of all taxes and outgoings, gives you a clear picture of your remaining funds, allowing you to make informed choices.

Increased Investment Management

A well-considered financial plan supports you in selecting investments that are beneficial to you, considering factors such as your personal circumstances, objectives, and risk tolerance.
Personal financial management acts as a guide in helping you choose the right types of investments to fit your needs, personality, and goals.

Long-Term Goals

With the assistance of a financial planner, you are awarded a clearer long-term view of your finances. A financial planner will be able to analyse your finances and make recommendations on your future including the use of powerful cashflow modelling tools.

Improved Financial Understanding

Better financial understanding can be achieved when measurable financial goals are set, the effects of the decision understood, and the results reviewed. Personal financial planning gives you a whole new approach to your budgeting and improves your control over your lifestyle.

Increased Security

One of your main goals may be to provide your family with financial security, and financial planning management can do just this. Having correct insurance coverage and policies in place can provide peace of mind for you and your loved ones, should anything unexpected happen.

Need Help?

Frequently Asked Questions

Although you might not have any solid plans in place for the future, you are likely to need the finances at some point in life for either your own personal endeavours, or for those of your family. Even if you don’t know what specific goals you are pursuing, financial management can help you decide and reach them, through continued support of such elements of your finances as investments and retirement planning. Therefore, the sooner you involve a financial planner, the better.

It’s also never too late to create financial goals to give yourself financial security and freedom. Get in touch with KLO Financial Services and we will provide you with the best personal financial management solutions for you.

The simple answer is no. At KLO Financial Services, we offer accessible and personal plans and services for clients who have never worked with a planner before. In fact, our first meeting is always at no cost to you and with no obligation.

At KLO Financial Services, we don’t just supply a financial plan and then take a back seat. To ensure the maximum impact from financial planning, we maintain an active role in your personalised plan, whether that’s through financial solutions such as investments, or planning for retirement. The duration of our relationship is up to you. Many of our existing clients have been with us for years, as we advise them through different life changing events.

Your financial goals might include early retirement, travel, or building a business. Regardless of the aim itself, you will need to use financial management solutions in order to help you get there.

KLO Financial Services will lead you through the entire process and help you determine priorities. We understand that as your life changes, so will your goals. Therefore, we will continue to work with you to identify changes and how this will alter your plans for the future.

Not unless you want it to. At KLO Financial Services, we are with you for the long haul. Personal financial planning is a continual process, and so we offer continuing services and periodic reviews. This is how we have developed many long-term relationships with our clients.

The answer to this question is down to you, as it depends on your own personal circumstances and how involved you wish to be. Generally, you should aim to see a financial planner once or twice a year, and more often if you are going through any major, personal life-events such as marriage, divorce or the birth of a child.

If you’re interested in investing, the first thing you need to decide is what you are trying to achieve – are you hoping for a short-term or long-term returns? Depending on your answer, your investment process will change. In order to find out more about investing, click here, or call us on 01926 492406.

What Our Clients Say?

KLO Financial Services

I have a had a great experience using KLO, was able to set up a call easily and got some good advice. I spoke with Terry and he was good to talk to so I would recommend giving him a call if this is something you need any help with!

KLO Financial Services

I have dealt with Matt Booton for many years and always had an excellent service and very good relationship.

KLO Financial Services

James provides clear, honest, professional guidance everytime.

KLO Financial Services

I cannot recommend James highly enough. He is completely professional, very knowledgeable, and very pleasant and helpful always.

KLO Financial Services

Steve has been great throughout the process of life assurance and pension switch.

KLO Financial Services

James has been my financial adviser for several years now, and I am continually impressed by his customer care, knowledge of the market, and attention to detail. During our regular face to face meetings, my finances are discussed and reviewed in a clear and practical way. If I have any questions, James is always on hand with easy to understand advice. And every decision we make together is promptly followed up. I can’t recommend James and KLO Financial Services highly enough. They are a company who genuinely care about their clients, and I feel comforted to know my finances are in such safe hands.

KLO Financial Services

I couldn’t be more pleased to have James Glavey at KLO as my financial adviser. He is doing really good things with my portfolio, but above all I trust him to do so and this is paramount for me.

KLO Financial Services

Dan has been ultra professional , explaining all my options in a straightforward way and his customer service and that of KLO has been first rate .

I would highly recommend Dan and the team at KLO.