Business Details
13 Years
experience
Trusted Financial Advisers in Kent and London
Established in 2013 and incorporated in 2016, we are a specialist financial services firm dedicated to providing independent, personalized financial advice. Our team combines extensive industry experience with a client-centric approach, offering tailored solutions across pensions, mortgages, equity release, estate planning, protection, and wealth management. We operate from local offices in Chatham, Ramsgate, and London, ensuring accessibility through face-to-face meetings, phone consultations, or video calls.Our independence allows full market access to source optimal financial products, supported by advanced cash flow modelling tools to deliver precise strategies. With regulatory oversight from the Financial Conduct Authority, we prioritize transparency, ethical standards, and long-term client relationships.
Services
Retirement Planning
Mortgage Advice
Wealth Management
Equity Release
Protection Insurance
Estate Planning
Pension Reviews
Business Protection
Details
- Year established: 2013
Highlights and features
- We offer 28 years of independent financial advisory experience
- Our personalized cash flow modelling ensures precise financial strategies
- Local offices in Chatham, Ramsgate, and London for convenient access
- Fully independent firm with whole-of-market product access
- Regulated by the Financial Conduct Authority for client protection
Associations and certifications
- Financial Conduct Authority
What people say
Personalized advice
Expert knowledge
Long-term commitment
Clear communication
Professional approach
Services
Retirement Planning
We help clients create comprehensive retirement strategies through pension optimization and tax-efficient income planning. Our advisors consider individual circumstances to maximize savings while accounting for lifestyle goals. With expertise in state pensions, workplace schemes, and private investments, we ensure financial security during retirement years.
Mortgage Advice
Our qualified mortgage advisors provide independent guidance on residential and buy-to-let mortgages. We assess clients' financial situations to recommend suitable products across the entire market. Services include first-time buyer support, remortgaging, and property investment strategies tailored to individual needs and long-term objectives.
Wealth Management
We develop customized wealth management strategies using cash flow modelling and diversified investment portfolios. Our approach balances growth objectives with risk management across ISAs, stocks, bonds, and alternative assets. Regular reviews ensure strategies adapt to changing market conditions and personal circumstances.
Equity Release
Specialist advice on accessing property equity through lifetime mortgages and home reversion plans. We explain options for supplementing retirement income while considering inheritance tax implications. Our guidance ensures clients understand long-term impacts and alternative financial solutions.
Protection Insurance
We provide tailored protection strategies including life insurance, critical illness cover, and income protection. Our advisors assess individual needs to safeguard families and businesses against financial hardship from unexpected events. Policies are designed to complement broader financial plans.
People
Rob Winter
Principle Financial Advisor
With 28 years' experience, Rob founded London & County Financial Advisors in 2013. His independent approach ensures clients receive whole-of-market advice tailored to their unique circumstances. He specializes in comprehensive financial planning across pensions, mortgages, and wealth management.
Charlotte Winter
Operations Manager
Charlotte combines legal expertise from property law with financial services experience. Qualified in mortgage advice and equity release, she manages insurance administration and pension reviews. Her background ensures rigorous compliance and client-focused operational excellence since joining in 2016.
Julian Milner
Chairman and Non Executive Director
Former IFA practice owner with wealth management expertise, Julian provides strategic guidance. He established Sigma Asset Management before selling in 2017. Now focusing on consultancy, he helps develop client propositions while balancing family commitments in Devon.
Omar Elassri
Mortgage Administrator
Qualified mortgage advisor since 2022, Omar brings estate agency experience to property finance. He simplifies home-buying processes through personalized advice, leveraging market knowledge to help clients navigate mortgage options and insurance requirements effectively.
Rocco Parsons
Financial Administrator
As our youngest team member, Rocco combines administrative excellence with community service as a part-time firefighter. His enthusiasm ensures efficient support for financial operations while maintaining client service standards through accurate documentation and process management.
Questions
What areas do you cover?
We operate from Chatham (Kent), Ramsgate, and London offices, serving clients nationwide through face-to-face meetings, phone, or video consultations.
Are you regulated by the FCA?
Yes, we're an appointed representative of 2plan Wealth Management Ltd, authorized and regulated by the Financial Conduct Authority (FCA number 594743).
What financial services do you offer?
We provide retirement planning, mortgage advice, wealth management, equity release, protection insurance, estate planning, and business protection services.
How are you paid for your services?
We operate on an advice fee basis or receive commissions from product providers, always disclosing remuneration structures before starting any work.
Can you help with first-time mortgages?
Yes, our qualified advisors specialize in first-time buyer mortgages, explaining options, deposit requirements, and government schemes to make home ownership accessible.
Do you offer pension reviews?
We provide annual pension reviews to ensure your retirement savings remain on track, adjusting strategies as needed based on changing circumstances or regulations.
