Business Details
Independent Financial Planning Experts in Cornwall
Morlaix Chartered Financial Planners Independent Financial Planners has been dedicated to providing jargon-free, tailored financial advice since our establishment. With over three decades of combined expertise, we specialise in holistic financial planning, including cash flow modelling, inheritance tax planning, pensions, and ethical investments. Our Chartered Financial Planner and experienced paraplanner work collaboratively to deliver client-centric solutions.We prioritise transparency, offering a no-obligation initial consultation to address individual financial goals. Regulated by the Financial Conduct Authority, we maintain rigorous professional standards while adapting to evolving client needs through regular portfolio reviews and flexible communication channels, including remote meetings during exceptional circumstances.
Services
Investments
Pensions
Protection
Mortgage Referrals
Estate Planning
Tax Planning
Ethical Investments
Cash Flow Modelling
Highlights and features
- Director with 30+ years' experience in financial services
- FCA-authorised and regulated for professional standards
- Personalised, jargon-free financial planning approach
- No-obligation initial consultation available
- Specialist knowledge in tax-efficient and ethical investments
Associations and certifications
- Financial Conduct Authority (FCA)
- Chartered Financial Planner
What people say
Excellent tailored advice
Regular updates provided
Professional and approachable
Well invested pension fund
Flexible meeting options
Services
Investment Planning
We help clients grow their wealth through diversified investment strategies tailored to individual risk profiles and financial goals. Our expertise covers tax-efficient vehicles like ISAs and pension schemes. We provide ongoing portfolio management with regular performance reviews to ensure alignment with evolving market conditions and client objectives.
Pension Planning
Our comprehensive pension advice covers workplace schemes, personal pensions, and state pension optimisation. We help clients understand their options for retirement income while considering tax implications and estate planning. We specialise in navigating complex regulations for both employees and employers regarding automatic enrolment schemes.
Protection Plans
We offer tailored protection solutions including income protection, critical illness cover, and life assurance. Our business protection services cover keyperson insurance and partnership agreements. We help clients safeguard their financial future against unforeseen circumstances while ensuring appropriate coverage levels for their specific needs.
Mortgage Referrals
We connect clients with whole-of-market mortgage advisers who can access competitive rates across all lenders. Our referral partners provide expert guidance on residential and buy-to-let mortgages, remortgaging options, and specialist products while ensuring affordability assessments meet current regulatory requirements.
Estate Planning
Our tax planning services focus on minimising inheritance tax liabilities through strategic asset structuring. We advise on wills, trusts, and gifting strategies to ensure smooth wealth transfer while balancing liquidity needs and family circumstances. Our approach considers both immediate tax savings and long-term estate preservation goals.
People
Ged Dixon
Director and Chartered Financial Planner
With over 30 years' experience, Ged is a Chartered Financial Planner and former chairman of the Personal Finance Society. He combines technical expertise with practical advice, specialising in complex financial planning cases. Ged maintains active roles in professional bodies while delivering client-focused solutions.
Nikki Allen
Paraplanner and Administrator
Nikki has 17 years' industry experience, including 10 years as a qualified paraplanner. She prepares detailed suitability reports and provides administrative support, ensuring efficient implementation of financial plans while maintaining high professional standards in client documentation.
Questions
What areas of financial planning do you specialise in?
We specialise in investments, pensions, protection planning, tax-efficient wealth transfer, and mortgage referrals with expertise in cash flow modelling and ethical investment strategies.
Are your services regulated by financial authorities?
Yes, we are an Appointed Representative of Vision Independent Financial Planning Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).
Do you offer initial consultations without obligation?
We provide a no-cost, no-obligation initial meeting to discuss your financial goals and determine if our services suit your needs.
How do you tailor financial plans to individual needs?
We begin by understanding your personal circumstances, future aspirations, and risk tolerance before developing customised strategies aligned with your specific objectives and lifestyle goals.
What ongoing support do you provide after implementation?
We offer regular portfolio reviews, lifetime financial planning updates, and responsive support to help you navigate changing market conditions and personal circumstances.
