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:
Finding sustainable opportunities in a volatile world
The world around us is changing quickly, and this naturally shapes the way we think about investing. Periods of geopolitical tension often make us hesitant. Buying equities at the onset of a conflict, such as the recent war in the Middle East, can be a difficult…
Changes ahead for salary sacrifice
During the Budget last November, Rachel Reeves confirmed that from 6 April 2029, the National Insurance (NI) advantages of salary sacrifice will be restricted. Salary sacrifice is an effective pension planning tool, particularly for higher earners, where employers pay…
Spring into action: why the start of the tax year is the best time to plan
The start of a new tax year offers the perfect opportunity to refresh your financial plans. Much like a spring clean, it’s a chance to review your goals, make use of new allowances and put good habits in place early. Taking action now, rather than leaving things…
Dividend outlook: modest growth expected in 2026
UK dividend payouts are expected to continue growing in 2026, although the pace of growth is likely to remain modest. According to a recent dividend monitor, total UK dividends reached £87.5bn in 2025, following growth of 1.3% in the fourth quarter. This year, payouts…
Inheritance Tax reminder: the basics of passing on your wealth
Inheritance Tax (IHT) is a tax charged on the value of a person’s estate when they die. An estate typically includes property, savings, investments, personal possessions and other assets held in the individual’s name. Under current rules, there is usually…
Preparing your family for the great wealth transfer – a historic shift in family wealth
Over the next two decades, the world will see one of the largest transfers of wealth in history. Research suggests that over $83tn globally could pass from older generations to their children and grandchildren by 2048. In the UK alone, it’s estimated that around…