CA Financial Services
Get the best possible financial advice from your Sevenoaks Independent Financial Adviser
Book Your Complimentary Wealth Consultation
There are lots of reasons our clients choose to work with us. Here are a just 5:
- We’re committed to your financial success
- We have everything you need under one roof
- We’re a truly independent Sevenoaks based IFA
- We get GREAT reviews – click the button and read what our clients say
- We offer a Book Your Complimentary Wealth Consultation – click the button to book
Welcome to CA Financial Services
CA Financial Services — Independent Wealth Management & Legacy Planning
We are Independent Financial Advisers dedicated to helping individuals and families build, protect, and pass on their wealth. Our comprehensive financial planning is tailored to your unique circumstances, priorities, and long-term goals.
I am an Independent Financial Adviser (IFA) with nearly two decades of experience, based in Sevenoaks, Kent. I founded CA Financial Services as a sole trader in 2007, and have provided independent financial advice through CA Financial Services Ltd since 2018 — building long-term relationships with clients across multiple generations of their financial journey.
We specialise in working with clients who have investable assets of over £500,000, providing the depth of expertise and bespoke attention that sophisticated wealth planning demands. Our holistic approach brings together pensions, investments, tax planning, lifetime mortgages, Wills, and estate planning under one coordinated strategy. Our goal is not just to grow your wealth, but to structure it wisely — ensuring it works efficiently for you now and transfers smoothly to the people and causes you care about most.
Legacy planning sits at the heart of what we do. We work closely with clients to develop estate and succession strategies that minimise tax exposure, protect assets for future generations, and ensure their wishes are carried out with clarity and confidence. For business owners, this extends to tax-efficient profit extraction, corporate pensions, business protection, and succession planning — helping ensure a lifetime’s work is preserved and passed on effectively.
A significant part of my practice is guiding clients toward retirement and beyond — reviewing the most effective ways to release pension income, structure investment portfolios, and align financial decisions with both personal and family objectives. Personal protection planning underpins this work, safeguarding the wealth and legacy you’ve worked to build.
From our offices in the heart of Sevenoaks, Kent, we provide trusted wealth management and legacy planning advice to clients throughout Tonbridge, Tunbridge Wells, Maidstone, Dartford, and into wider Sussex and Surrey.
Who can we help with financial advice?
Widow or Widower
Working with you to find financial stability, feel secure and maximise your life.
Divorcing or Separating
Working with you to make the best financial decisions to secure a stable future for you and your family
%
Would recommend us to friends and family
%
Agree that we’ve helped or are helping them acvieve their goals
Your Complimentary Wealth Planning Session
Please fill in the contact form and we’ll get back to you shortly.
Please fill in the contact form and we’ll get back to you shortly.
Here’s what a few of our clients say about us:
I received a well informed and personal service from CA Financial Services. After consultation, I was given understandable information and a range of choices to suit my needs and from this along with advice, I was able to make a decision I was happy with. I would recommend this service.
We approached CA Financial Services to advise on a wide range of pensions and other investments and the service that we have received from Craig and the rest of the team has been excellent. They listen to our needs and expectations for our investments, check we’re happy with and understand decisions made, and respond to queries very efficiently. We feel very confident, happy and well-supported through the personal service provided by CA Financial Services, and that our money is working hard for us over the long-term.
Since working with Craig, he has met and surpassed our expectations. He takes the time to know our personal situation which has given us the confidence to deliver our financial goals and to prepare for our retirement and our future. We highly recommend Craig & CA Financial Services CK & DK
Wealth Management & Financial Planning
Investment & ISA Management
There are a wide variety of investments that we can advise you on depending on your short, medium and long term goals
Online Platform
All our clients can access our online portal for easy management of all your investments
Retirement Planning
Planning for retirement will look different from person to person. Our IFAs ensure you have adequate income day-to-day and allow you to enjoy those well-earned luxuries
Inheritance Tax Planning
Inheritance Tax (IHT) is no longer just a concern of the wealthy. It is a growing concern for all of us, especially homeowners who have benefited from growth in the value of their properties over recent years.
Protection & Long Term Care
Life cover and critical illness cover are the traditional forms for those looking to protect their families and mortgages in the event of critical illness or death.
Lifetime Mortgages
Lifetime Mortgages can be a helpful financial option for those looking to raise capital. It is a type of mortgage that helps homeowners who are over the age of 55 to access stored equity within their home.
Our Mission Is to Build the Foundations of a Secure Future
Future
Contact Us
If you have any questions, or would like to arrange an initial financial advice appointment please fill in the form below or call us on (Sevenoaks) 01732 617950
Book Your Complimentary Wealth Consultation
Find Us
We’re based in Kemsing, just outside of Sevenoaks. We cover the whole of Kent, Sussex and Surrey as well as into South London
We release frequent financial advice blogs. Please see below and sign-up for our newsletter:
Guide: 7 useful questions if you plan to take a flexible income from your pension
When you start to access your pension, how will you take an income? One of your options may be to withdraw a flexible income that suits your needs through flexi-access drawdown. A flexible income puts you in control and means you can adjust how much you withdraw from…
Inflation has cost savers £113 billion in real terms in the last year
High inflation over the last year has collectively cost savers billions of pounds in real terms, according to an Independent report. Have you considered the effect the rising cost of living could have on your wealth? While inflation may not reduce how much you have in…
How to make happiness part of your financial plan
People often think of their financial plan as a way to grow their wealth and provide financial security. You might consider areas like your pension or financial protection to be core parts of your financial plan. Yet, while they’re important, your happiness is…
3 essential factors to consider if you plan to gift wealth to avoid Inheritance Tax
Figures suggest more families are gifting to avoid Inheritance Tax (IHT). While passing on assets to loved ones may seem like a clear solution, it isn’t always so simple. More estates are becoming liable for IHT as thresholds for paying the tax are frozen. The Office…
Why a “Frankenstein” approach to financial planning isn’t frightful
205 years after it was published, the novel Frankenstein has inspired countless horror books, films, and more. The approach the scientist takes in the story to create a sapient creature might have more in common with effective financial planning than you think….
Financial security is the most important retirement goal for 9 in 10 Brits
When you think about the most popular retirement dreams, an adventurous cruise or having time to put your feet up might come to mind. Yet, a survey found the most common goal for retirement is to achieve financial security. According to Legal & General, a huge 94%…