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:
WHAT YOU SHOULD DO BEFORE YOU ENTER DRAWDOWN
Since the pension reforms in 2015, more than half a million people have put their pension into income drawdown. If you’re new to stock market investment, then it makes sense to get advice on how best to do this, how much money to invest and what funds would best suit…
Are women better savers than men?
This is the age-old question that is often hotly debated. New research shows that when it comes to pension saving, women are heeding the message that for a comfortable retirement you need to keep an eye on your pension throughout your working life, and they’re saving…
Managing Capital Gains Tax
Capital Gains Tax (CGT) is charged on the profit or gain made when you sell an asset. You won’t pay CGT on the sale of your principal private residence, stocks and shares held within an ISA, proceeds from life insurance policies, or the sale of a private car. However,…
Record inflow to stocks and shares ISAs
RECORD INFLOW TO STOCKS AND SHARES ISAs During the 2017-18 tax year to April 2018, the popularity of stocks and shares ISAs continued to grow, with 246,000 new accounts subscribed to. The amount paid into this type of ISA account hit a record £28.7bn over the period,…
PROTECTION PLANS FOR ENTREPRENEURS
PROTECTION PLANS FOR ENTREPRENEURS Whilst businesses are generally quick to insure themselves against the most commonly encountered operational risks, it’s often the case that owners, directors and shareholders can overlook the need to protect what’s arguably their…
Preparing for your retirement at 50
PREPARING FOR RETIREMENT WHEN YOU’ E REACHED YOUR HALF CENTURY When people reach their 50s, they often begin to realise that retirement, in whatever form they decide to take it, suddenly feels an awful lot nearer. If you’re in that age group and haven’t yet given the…