Business Details
37 Years
experience
Independent Financial Advisers in Petts Wood
Established in 1989, we are independent financial advisers dedicated to building long-term relationships with our clients in Petts Wood, Kent, and beyond. Our approach begins with understanding your unique financial situation, goals, and risk tolerance to create tailored strategies for investments, pensions, protection, and inheritance tax planning. With over three decades of experience, we prioritise transparency, regulatory compliance, and client education, ensuring you make informed decisions aligned with your aspirations. As an FCA-authorised firm, we combine market expertise with a commitment to adapt to evolving financial landscapes, helping you navigate complexities with confidence.Our independence allows us to research the entire market, recommending solutions that best meet your needs without bias. Regular reviews ensure your financial plan remains on track, while our teams extensive background in insurance and independent advice guarantees a holistic, client-centric service. We take pride in growing through client recommendations, reflecting our dedication to delivering consistent, high-quality advice and support.
Services
Investment Advice
Pension Planning
Inheritance Tax Mitigation
Protection Planning
Risk-Rated Portfolios
ISA Management
Details
- Year established: 1989
Highlights and features
- We offer independent, whole-market research to recommend unbiased solutions.
- Our FCA-authorised team has over 30 years of local and national experience.
- We prioritise long-term client relationships through regular financial reviews.
- We specialise in tax-efficient investment strategies and inheritance planning.
- Our directors bring extensive insurance and pension industry expertise.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Friendly and approachable
Tailored financial solutions
Thorough understanding
Trust-building approach
Services
Investment Advice
We provide tailored investment strategies to meet short, medium, and long-term financial goals. Our approach considers your risk tolerance, current assets, and tax efficiency to build diversified portfolios. Regular reviews ensure your investments remain aligned with evolving personal circumstances and market conditions.
Pension Planning
Our pension planning services help you prepare for a secure retirement by optimising existing arrangements and exploring tax-efficient contributions. We guide clients through complex options like annuities and income withdrawal, ensuring informed decisions that maximise retirement income.
Inheritance Tax Mitigation
We specialise in reducing inheritance tax liabilities through strategies like trust planning and gifting. By assessing your total estate, we create custom solutions to preserve wealth for beneficiaries while complying with current legislation and minimising tax exposure.
Protection Planning
Our protection services safeguard your financial security against unforeseen events. We assess life, critical illness, and income protection needs to recommend policies that protect dependants and maintain lifestyle stability during emergencies.
Risk-Rated Portfolios
We construct five risk-rated portfolios (Cautious to Adventurous) using diversified funds from leading providers. Quarterly reviews and rebalancing ensure consistent risk exposure, adapting to market changes while maintaining alignment with your investment objectives.
People
John Riley
Director
With over 30 years in financial services, John transitioned from a national insurer to independent advice in 1997. He focuses on understanding client needs and researching whole-market solutions to deliver tailored financial strategies.
Lee Taylor
Director
Lee joined Metcalf Moat after a decade supporting financial advisers at a major life company. As a director since 2010, he prioritises client education and trust-building through clear communication and long-term planning.
Colin Moat
Co-Founder
Colin established Metcalf Moat in 1989 after 12 years in insurance. His vision for independent advice shaped the firms ethos of adaptability, client-centric service, and growth through recommendations.
Questions
What areas do you cover?
We primarily serve clients in Petts Wood, Kent, and surrounding areas, with remote advisory services available nationwide.
Are you regulated by the FCA?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA No: 440915).
How do you charge for advice?
Our fees vary by service; please download our Client Service Proposition document for detailed pricing information.
Can you help with retirement planning?
Yes, we specialise in pension reviews, annuity options, and retirement income strategies tailored to your goals.
What investment options do you offer?
We provide risk-rated portfolios, ISAs, and diversified funds from leading providers to suit varying risk appetites.
How often are reviews conducted?
We recommend annual reviews for investment portfolios and more frequent check-ins for complex financial plans.
Reviews (1)
Peter Blackledge
Feb 07, 2021
Report
Excellent service the team make you feel you're their only client, they give you all the information you need to make the correct decisions for your finances. Would highly recommend
