FAQs

Yes, Kingsfleet offers independent financial advice. Our Why us page explains how this means that your financial planner can consider a broad range of suitable options without being tied to a particular provider.

Yes, Kingsfleet is authorised and regulated by the Financial Conduct Authority (FCA). You can check our details on the FCA Register using registration number 514731.

Yes, you can meet your financial planner in person at our various offices or by video call, depending on what suits you best. Our Contact us page explains the ways you can get in touch and arrange a meeting.

Face-to-face meetings are held at our office in Claydon (near Ipswich), Bury St Edmunds and London. You can find the office details on our Contact us page before arranging your visit.

Yes, parking is available at both our Claydon and Bury St Edmunds offices, making it easier to visit us for a face-to-face meeting. Our office addresses are:
Claydon: Deben House, Opus Park, Exchange Place, Claydon, Suffolk, IP6 0FU
Bury St Edmunds: St Andrew’s Castle, 33 St Andrew’s St South, Bury St Edmunds, Suffolk, IP33 3PH

Kingsfleet has been providing financial advice since 2010. You can learn more about the firm and its journey on our About us page.

We are based in Claydon, near Ipswich, and we also work with clients outside the local area. You can meet us in person or remotely, depending on what is most practical for you. We have additional offices in London, Bury St Edmunds and Felixstowe.

Yes. Colin is a Chartered financial planner, while Lou and Will are working towards their Chartered Financial Planner status, and you can find out more about them on our Meet the team page.

Yes, Kingsfleet holds Chartered status awarded by the Chartered Insurance Institute (CII). Our Awards and accreditations page explains more about the professional standards this represents.

Yes, you can read written testimonials and watch video testimonials on VouchedFor and our Client stories page. Here we share our clients’ experiences of working with Kingsfleet and the difference financial planning has made to them.

Kingsfleet is a Certified B Corp, showing our commitment to clients, the community, the public and the environment, rather than profit alone. Our Why us page explains how we take a personal approach to your circumstances and will only work with you when we believe the relationship is a good fit.

Our FCA registration number is 514731. You can use this number to check Kingsfleet’s authorisation on the FCA Register.

We work with clients in Ipswich, Stowmarket, Bury St Edmunds, Felixstowe, Woodbridge and the surrounding areas. We can also work with clients outside these locations. We also have meeting space in Bishopsgate in London.

No, Kingsfleet does not provide mortgage advice. Mortgages are not an area covered by our financial planning service.

No, Kingsfleet does not provide equity release advice. Equity release is not an area covered by our financial planning service.

Yes, we can advise on personal pensions. We can consider your pension arrangements as part of your wider financial plans and goals.

This will depend on the type of occupational pension scheme you have. Please get in touch so we can understand the arrangement and discuss whether we can help.

Yes, we can help you consider consolidating multiple pensions. We will look at the pensions you hold and how they fit with your wider financial plans.

Yes, we can help you plan how to take your pension tax-efficiently. We will consider your pension alongside your wider circumstances and goals.

Yes, we can help with ethical or sustainable investing, in fact, this is an area in which we specialise. Our Why us page explains more about our responsible approach to investment and business.

Yes, we can help you consider how to invest an inheritance you have received. We will take account of your circumstances and what you want the money to help you achieve.

Yes, we can advise on self-invested personal pensions (SIPPs). We can consider a SIPP as part of your wider pension and financial planning needs.

No, Kingsfleet does not advise on final salary pension or defined benefit transfers. These transfers are not an area covered by our financial planning service.

Yes, we offer advice on long-term care and later-life planning. We can help you consider these needs as part of your wider financial plans.

Yes, we can help with Inheritance Tax planning and estate planning. Our Other professionals page explains more about the areas in which we can support clients alongside their other professional advisers.

Yes, we can advise on investments such as Individual Savings Accounts (ISAs). We will consider any investment recommendations in the context of your wider circumstances and goals.

We work closely with trusted external specialists who can advise on life insurance, critical illness cover and income replacement. This means you can be introduced to appropriate support for these protection needs.

Yes, your initial consultation is free of charge. It gives you the opportunity to discuss what you need before deciding whether to work with us.

We charge a fixed initial fee, followed by a fixed percentage for the ongoing service. All charges are explained and agreed with you before any work begins. To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees. Click here to see them.

A financial plan typically costs between £2,750 and £5,000, depending on its complexity. We will confirm the fee with you before starting any work. To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees. Click here to see them.

Our ongoing charge is based on a percentage of the investments we manage. The charge will be explained and agreed with you before any work begins. To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees. Click here to see them.

No, we do not receive commission. Our charges are explained and agreed with you before any work begins. To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees. Click here to see them.

No, we do not charge VAT. The charges agreed with you will not include VAT. To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees. Click here to see them.

We regularly research the market to check that our fees remain competitive. Our aim is to make sure they also reflect the quality of the service we provide. To demonstrate our commitment to transparency and help you understand our fees at the earliest opportunity, we have published our fees. Click here to see them.

You can find details of our charges on the Services and fees page. This sets out how our initial and ongoing fees work.

Yes, eligible investments may be protected by the Financial Services Compensation Scheme (FSCS). The protection available will depend on the scheme’s rules and the circumstances of a claim.

Please contact us if you have a complaint so that we can try to resolve it for you. We’ll investigate your concerns and do everything we reasonably can to put things right. If we’re unable to resolve your complaint to your satisfaction, you may be able to refer it to the Financial Ombudsman Service.

We have a strict compliance policy designed to keep client data secure, both digitally and physically. Our Privacy policy explains more about how your information is handled.

Yes, Kingsfleet is insured to give financial advice. This sits alongside our authorisation and regulation by the Financial Conduct Authority.

You can check our registration and authorisation on the FCA register. Search for Kingsfleet or use our FCA registration number, 514731.

Yes, you can read and watch client stories on our website. Visit our Client stories page to hear directly from people who have worked with Kingsfleet.

We send client surveys each year and review all the feedback we receive. This helps us understand how clients feel about the service and where we can continue to improve.

Yes, Kingsfleet has received a range of awards and accreditations. You can see the full list on our Awards and accreditations page.

Yes, Kingsfleet is featured on VouchedFor. Here, you can read our verified client reviews on the Kingsfleet VouchedFor profile.

Yes, we can help you plan for an early retirement. Our About to retire page will help you to consider what you want retirement to look like and how your finances may support it.

Yes, we can help you plan for retirement. Our About to retire page explains how financial planning can help you understand where you stand and what you may need for the life you want.

We work with a diverse range of clients, including younger people planning for the future, people who have inherited money and those approaching retirement. We also help clients think about how they would like their wealth to be managed when they are no longer here. You can learn more about the people we support on our Who we work with page.

Yes, we work with younger clients who are still building their wealth. We can help you plan for the future and make informed choices as your finances develop. You can learn more about the people we support on our Who we work with page.

Yes, we work with company directors and self-employed clients. We will take account of your circumstances when building your financial plan. You can learn more about the people we support on our Who we work with page.

Yes, we work with clients who are approaching retirement and those who are already retired. We can help you understand your position and plan how to use your money throughout retirement. You can learn more about the people we support on our Who we work with page.

Yes, we can help you after you have inherited money. We will consider your circumstances and help you decide how the inheritance can support your wider plans. You can learn more about the people we support on our Who we work with page.

Yes, we can help if you have sold a business or are in the process of selling one. We can consider the proceeds and the change in your circumstances as part of your wider financial plan. You can learn more about the people we support on our Who we work with page.

Yes, we can help you manage your finances after a bereavement. We will work with you at a pace that feels right and consider how your financial position has changed.

Yes, we work with business owners, retirees and professionals. You can learn more about the people we support on our Who we work with page.

Whether we’re able to help will depend on your circumstances and where you are based. Please contact the Kingsfleet team to discuss your situation and find out whether we can support you.

Yes, we can help if you already have investments or pensions elsewhere. We will consider your existing arrangements and how they fit with your wider financial plans.

You can book an initial meeting by calling or emailing the office, or by using the form on our Contact us page. Choose whichever option is most convenient for you.

No, the initial meeting is at our expense. It gives you and the Kingsfleet team the chance to decide whether working together feels right.

Please bring any information and documents relating to your current financial arrangements, such as pensions, investments, savings, mortgages and insurance policies. Having these details available will help us understand your current position and complete the necessary Know Your Customer (KYC) checks.

The first meeting is an opportunity for us to get to know you, understand your situation and discuss your goals. We will consider whether our service is suited to your needs, while giving you the space to decide whether Kingsfleet is right for you. There is no pressure to move forward.

You should allow around one hour for your initial meeting. This gives you enough time to explain your circumstances, ask questions and discuss what you want to achieve.

No, you do not have to sign up to any services at the initial meeting. It is a chance to find out whether we can help and whether you feel comfortable working with us.

Yes, you can work with a female financial planner at Kingsfleet. You can get to know the team before making contact on our Meet the team page.

Our team works closely together, so support does not stop when your financial planner is on holiday. Another team member can access the relevant resources and help answer your questions.

Contact may be more frequent at the beginning, depending on what you need. Once we are managing your finances, you can contact us whenever you wish. We will also arrange at least one meeting each year to check that the agreed financial arrangements remain suitable for you.

Yes, cashflow planning is available as part of our service. It can help you understand how your finances may support your goals and explore different future scenarios, as outlined on our Services and fees page.

You can contact us and arrange a meeting to discuss what has changed. This conversation is included as part of our service, so your financial planning can be reviewed in light of your new circumstances.

Yes, we can work alongside your accountant or solicitor. Our Other professionals page explains how we coordinate with professional contacts to support clients.

Yes, we can coordinate with your mortgage adviser when they need relevant information from us. This can help the professionals supporting you work together effectively.

On the rare occasion that a financial planner leaves Kingsfleet, we will match you with another planner who can support you. The aim is to make the change as straightforward as possible and maintain continuity in your financial planning.

Yes, we can show you an example of a financial plan. This will help you understand how the planning process can bring your financial position and goals together.

Yes, you will be able to view the value of your investments online. This gives you a convenient way to keep track of them between meetings.

Yes, clients have access to an online portal where they can view their investments. The portal gives you a straightforward way to check the information available to you online.

You will meet with your financial planner at least once a year. Meetings may be more frequent when your needs or circumstances make this appropriate.