Business Details
22 Years
experience
Your Trusted Chartered Financial Advisers in Newquay
Established in 2004, Karrek Financial is a Chartered Financial Planning firm dedicated to delivering tailored financial solutions. Our team of highly qualified advisors combines decades of experience with rigorous professional standards to serve individuals and businesses across Cornwall and the UK. We specialise in pensions, investments, mortgages, and protection, guiding clients through a structured financial planning process that aligns with their evolving goals. Our Chartered status reflects our commitment to technical excellence, ethical practice, and client-centric service. With access to a wide range of products and a focus on long-term relationships, we provide clarity and confidence in navigating complex financial decisions.Our expertise includes pension transfers, inheritance tax planning, and commercial finance, supported by ongoing reviews to ensure strategies remain aligned with client needs. As an Appointed Representative of The Openwork Partnership, we maintain strong industry connections while prioritising transparency and client education. Our testimonials highlight our approachability, responsiveness, and ability to simplify financial matters for clients ranging from entrepreneurs to retirees. We are proud to support local communities and businesses, reinforcing our reputation as a trusted partner in financial planning.
Services
Pension Advice
Investment Advice
Mortgage Advice
Commercial Finance
Inheritance Tax Planning
Life Assurance
Will Writing
Critical Illness Cover
Income Protection
General Insurance
Details
- Year established: 2004
Highlights and features
- We hold Chartered status, demonstrating the highest levels of professional competence.
- Our advisors have over 25 years of combined experience in financial planning.
- We offer tailored strategies aligned with your unique life goals and circumstances.
- We provide access to a comprehensive range of products from leading providers.
- We prioritise long-term client relationships through regular reviews and support.
Associations and certifications
- Chartered Insurance Institute (CII)
- Financial Conduct Authority (FCA)
What people say
Massive support
Friendly and reassuring
Professional manner
Highly recommended
Excellent company
Services
Pension Advice
We provide expert guidance on pension options, including transfers, annuities, and flexible drawdowns. Our advisors help clients navigate government freedoms to maximise retirement income. Tailored strategies ensure compliance and alignment with long-term financial goals.
Investment Advice
Our investment specialists create diversified portfolios tailored to risk tolerance and objectives. We offer access to leading fund managers and ongoing reviews to adapt to market changes. The focus is on long-term growth and capital preservation for individuals and businesses.
Mortgage Advice
We help clients secure competitive mortgage deals across residential, buy-to-let, and commercial properties. Our advice considers individual circumstances, with access to a wide range of lenders. We simplify the process from application to completion.
Inheritance Tax Planning
Our specialists develop strategies to minimise inheritance tax liabilities while preserving wealth for beneficiaries. Services include trust creation, lifetime gifting, and utilising tax-efficient investments. We ensure compliance with evolving tax regulations.
Commercial Finance
We arrange financing solutions for businesses, including property purchases, development projects, and working capital. Our expertise covers bridging loans, commercial mortgages, and non-status lending. Solutions are tailored to support growth and operational needs.
People
Andrew Turner
Director & Chartered Financial Planner
With over 40 years in finance, Andrew holds an MSc in Financial Services and is a Fellow of the Professional Finance Society. He specialises in pension transfers and has led Karrek since 2004.
Richard Olive
Director & Chartered Financial Planner
A 29-year industry veteran, Richard focuses on investment and retirement planning. He became Chartered in 2016 and brings expertise in inheritance tax strategies to our clients.
Sadie Howard
Mortgage & Protection Adviser
Sadie holds advanced mortgage advisory qualifications and specialises in helping clients secure home financing and protection policies. She has eight years of client-focused experience.
Jonathan Hannaford
Financial Adviser
Qualified through the Openwork Academy, Jonathan advises on investments, pensions, and protection. He joined Karrek in 2019 after a career in commercial vehicle sales.
Questions
What pension options are available after age 55?
You can take a tax-free lump sum, buy an annuity, opt for flexible income, or mix strategies. We explain all options to suit your retirement goals.
How do you approach investment planning?
We assess your risk tolerance, goals, and timeframe, then create diversified portfolios using leading fund managers. Regular reviews ensure alignment with market changes.
Are your financial advisors qualified?
Yes, our team holds Chartered status, advanced industry qualifications, and decades of combined experience in financial planning and wealth management.
Do you offer commercial mortgage solutions?
Yes, we arrange commercial finance for property purchases, development projects, and business expansion, including non-status and bridging loans.
How can I reduce inheritance tax liabilities?
We use trusts, lifetime gifting, and tax-efficient investments to minimise inheritance tax while ensuring your estate passes to beneficiaries as intended.
Reviews (7)
Dianne N. David Rendle
Dec 01, 2021
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Highly recommend all staff are very friendly helpful, never feel rushed and always good to deal with local companies.
Pst Elisha Buki
Oct 05, 2021
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Mahadev Ullegaddi
Oct 03, 2021
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Oct 03, 2021
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Lydia Paris
Jul 21, 2021
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Would definitely recommend this company. The staff are all so friendly and approachable. Felt like Jeremy went above and beyond for us and found us the best mortgage and gave the best advice and was always on the phone for any question we had. Could completely trust him and the communication was amazing. Working hard through a pandemic, would definitely recommend and will be using this company in the future. Thank you for everything Karrek. Couldn’t have done it without you.
Phoebe Annear
Nov 04, 2019
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I would completely recommend Karrek financial. Jeremy has been a massive help to me and my partner through the process of buying a house. Giving us help and recommendations when needed. Making something that could be difficult and stressful very easy and straight forward. If anyone is looking to buy a house and needs a mortgage advisor I would recommend Jeremy.
Jeremy Northcott
Jan 14, 2016
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Just to say we have just had a consultation meeting with Jeremy Martin and not only has his advice been well researched, up to date and dare I say "on the money". The meeting was business like and at the same time a real pleasure. We wish him and your company all the very best for the prosperous future you deserve. We will be recommending you to all our friends and colleagues with confidence. Jeremy and Sarah Northcott.
