Business Details
Independent Financial Advisers in Plymouth
Coast Financial is a dedicated financial advisory firm based in Plymouth, Devon, offering a holistic approach to financial planning for both individual and corporate clients across the UK. With a focus on building long-term relationships, we provide clear, jargon-free advice tailored to clients' unique needs, covering areas such as mortgages, equity release, pensions, and business protection. Our team of fully qualified professionals brings extensive experience in agricultural and commercial finance, ensuring clients receive expert guidance aligned with their financial goals. As an FCA-authorised firm, we prioritise transparency, regulatory compliance, and client-centric service, offering whole-of-market advice on a fee or commission basis. We specialise in simplifying complex financial products, from investment strategies to inheritance tax planning, while maintaining a commitment to ethical standards and client education.Our services cater to expatriates and local clients alike, with a particular emphasis on empowering clients to make informed decisions about their financial futures. Located in Mannamead, Plymouth, we combine local expertise with nationwide accessibility through our comprehensive digital resources and face-to-face consultations. Our approach integrates ongoing portfolio monitoring, annual financial reviews, and diarised mortgage assessments to ensure sustained client support. By maintaining partnerships with leading industry providers and adhering to rigorous professional qualifications, we deliver reliable solutions that adapt to evolving financial landscapes. Whether clients require retirement planning, business protection strategies, or investment advisory services, our mission remains to enhance financial well-being through personalised, actionable advice.
Services
Financial Planning
Mortgage Advice
Equity Release
Pensions Advisory
Business Protection
Highlights and features
- We offer holistic financial planning with FCA-regulated expertise
- Our team has specialist experience in agricultural and commercial finance
- We provide whole-of-market advice on a fee or commission basis
- We combine local knowledge with nationwide service accessibility
- We prioritise transparent, jargon-free communication for all clients
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
Our financial planning service creates comprehensive strategies to help clients achieve their long-term financial goals. We assess individual circumstances, risk tolerance, and future aspirations to develop tailored plans covering investment management, tax efficiency, and retirement preparation. With ongoing portfolio monitoring and annual reviews, we ensure clients' financial strategies evolve alongside changing life circumstances and market conditions.
Mortgage Advice
We provide expert mortgage advice covering residential, commercial, and development finance solutions. Our whole-of-market approach compares products from all lenders to find suitable options for first-time buyers, remortgagers, and property investors. We explain complex mortgage terms in plain English while considering tax implications and long-term affordability for each client's unique situation.
Equity Release
Our equity release specialists help homeowners aged 55+ access tax-free cash from their property while maintaining lifetime residency rights. We explain lifetime mortgages and home reversion schemes, ensuring clients understand the impact on inheritance and means-tested benefits. We only recommend schemes approved by the Equity Release Council with no-negative equity guarantees.
Pensions Advisory
We offer comprehensive pensions advice covering personal, stakeholder, and workplace pension schemes. Our service includes retirement income planning, annuity options, and flexible drawdown strategies to maximise tax-efficient income. We help clients understand contribution limits, tax relief, and investment choices while preparing for later-life financial needs.
Business Protection
We provide business protection solutions including key person insurance, shareholder agreements, and loan protection policies. Our advice helps companies safeguard against financial losses from unexpected events affecting key employees or business owners. We create tailored strategies to protect business continuity, facilitate share transfers, and ensure debt obligations can be met during crises.
People
Martyn
Financial Adviser
Martyn is a qualified financial adviser with specialist expertise in agricultural and commercial finance. He provides holistic financial planning solutions to individuals and businesses across the South West region.
Questions
What areas do you cover for financial advice?
We primarily serve clients in Devon, Cornwall, and the South Hams region, while also providing services to UK-wide clients through remote consultations.
Are your financial advice services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under firm number 782715 for independent financial advice.
What financial products can you advise on?
We offer whole-of-market advice on mortgages, equity release, pensions, savings, investments, business protection, and inheritance tax planning solutions.
How are your advisory services charged?
We provide advice on either a fee-based or commission basis, ensuring transparency in our charging structure for all financial products we recommend.
Can you help with expatriate financial planning?
Yes, we offer financial advice tailored to expatriates' needs, including cross-border investment strategies and pension transfers while considering tax implications.
Do you offer ongoing financial support?
We provide annual financial reviews, portfolio monitoring, and diarised mortgage assessments to ensure continued alignment with clients' evolving financial goals.
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