Independent Financial Advice

How Can Personal Financial Planning Help Me?

Our personal financial planners build long term relationships in order to deliver practical and sustainable financial solutions to suit your needs; whether that’s budgeting, banking, insurance, mortgages, investments, retirement planning, tax planning or property planning. Depending on your stage in life you may want to maximise the use of your allowances, protect your wealth or put plans in place to achieve your retirement goals. We work with you to ensure that your long term financial needs continue to exceed expectation.

In many cases, our financial planners will work with clients for decades, assisting them with their finances as they experience life-changing events.

Your personal planning is dependent on many factors: income, expenses, living requirements and individual desires. Based on your circumstances, we strategically bring together a team of specialists that can provide you with a prosperous wealth management solution.

The personal financial management process allows us to execute a plan tailored to you. This allows us to fulfil all of your needs and make the most out of your wealth and protect your financial future.

Why Is Personal Financial Planning Important?

Personal financial management is important as it gives you the means to grow and protect your wealth. Inevitably, as time goes on, your personal situation may change and our financial planners can ensure that you, or someone you care for, are prepared.

Our financial planners will work with you for years to come so that they can truly understand you and your financial needs, giving you both confidence and peace of mind.

Your finances can be complicated and being able to rely on a financial adviser to help make the right decisions can give you the added protection of many years’ experience. Depending on your risk tolerance, markets can be volatile, so the help of a financial adviser can help mitigate this.

What Can KLO Financial Services Help Me With?

We help a variety of individuals across a portfolio of services, including, but not limited to: 

Why Should I Choose KLO Financial Services?

At KLO Financial Services, our personal financial management process has been developed over many years, enabling us to provide honest and knowledgeable financial advice. We are built up of a team of experienced and talented advisers who offer bespoke services and form strong, longstanding relationships with our clients.

  • Bespoke and Tailored Solutions

    We understand that everyone’s financial situations are individual and unique, which will affect the personal financial planning route that we choose to go down together. Rest assured, we will always tailor our solutions and ongoing management to your specific immediate and long-term plans.

  • Strong and Genuine Relationships

    In taking the time to understand you, we can form strong relationships with a constant two-way channel of communication. Because of this, our clients feel comfortable in talking to us about anything they may need, including altering their personal finance management solutions to their changing needs.

  • Qualified and Expert Team

    With KLO Financial Services, you will have direct access to our highly qualified team of specialists who are experienced in dealing with complex financial affairs involving substantial income or assets. With broad knowledge of the financial market, we will keep you up to date with any changes that may affect you.

We’re Here to Help

Contact Us Today

We are always eager and available to meet with you to discuss your financial objectives and assess your current strategies. No question is too big or too small. The first consultation is always free and comes with no obligation. If you’d like to speak to one of our expert financial advisers, get in touch today.

What Are The Benefits Of Personal Financial Planning?

At KLO Financial Services, we share a passion for the importance of wealth management. Here are five powerful reasons why financial planning, with the help of an expert financial adviser, is critical:

Improved Income Management

Regardless of your circumstances, a smart and powerful benefit of personal financial planning is that you can utilise all the funds that you have in order to build a better future. This can include us looking at your personal income and outgoings or evaluating the assets and liabilities of a business. Using this information, our financial advisers will work with you to provide thorough personal financial management solutions to suit your individual circumstances.

Planning well in advance of all taxes and outgoings that you are liable to pay gives you a clear picture of your remaining funds, allowing you to make informed choices.

Increased Investment Management

A well-considered financial plan assists you in selecting investments that are beneficial to you, based on various factors including your personal circumstances, objectives and risk tolerance. Personal financial management acts as a guide in helping you choose the right types of investments to fit your needs, personality and goals.

Long-Term Goals

With the assistance of a financial planner, you are given the ability to have a clearer long-term view of your finances. This could include everything from your personal account, to your business’ allocation of funds. A financial planner will be able to analyse your finances and report on your future.

Improved Financial Understanding

Better financial understanding can be achieved when measurable financial goals are set, the effects of the decision understood, and the results reviewed. Personal financial planning gives you a whole new approach to your budgeting and improves your control over your financial lifestyle.

Increased Security

If you’re an individual, one of your main goals may be to provide your family with financial security. Financial planning management can do just this. Having correct insurance coverage and policies in place can provide peace of mind for you and your loved ones, should anything unexpected happen.

As a business owner, using financial management solutions can ensure that your wealth is always protected, even in the most unpredictable of circumstances.

Need Help?

Frequently Asked Questions

Though you may not have any solid plans in place for what you like to do with your wealth, it shouldn’t stop you from seeking financial advice. Even if you don’t know what specific financial goals you are pursuing, our financial planners can explain your options and advise on the best route to take.

Get in touch with KLO Financial Services and we will provide you with the best personal financial management solutions for you.

The simple answer is no. At KLO Financial Services, we offer accessible plans and services for clients who have never worked with a planner before and therefore may be more cautious. Our first meeting is always at no cost to you and with no obligation.

Our financial planners don’t just supply a blueprint and then take a back seat. To assure the maximum impact, we maintain an active role in the management of your assets, whether that’s through financial solutions such as investments or pension planning. The duration of our relationship is up to you. Many of our existing clients have been with us for decades, as we advise them through different life-changing events.

Your financial goals might include early retirement, travel, or building a business. Regardless of the aim itself, you will need to use financial management solutions in order to get there. KLO Financial Services will lead you through the entire process and help you determine priorities. We understand that as your life changes, so will your goals. Therefore, we will continue to work with you to identify changes and how this will alter your plans for the future.

Not unless you want it to. At KLO Financial Services, we are with you for the long haul. Personal financial planning is a continual process, and so we offer continuing services and periodic reviews. This is how we have developed many long-term relationships with our clients.

The answer to this question is down to you, as it depends on your own personal circumstances and how involved you wish to be. Generally, you should aim to see a financial planner once or twice a year, and more often if you are going through any major life-events such as marriage, divorce or the birth of a child.

If you’re interested in investing, the first thing you need to decide is what you are trying to achieve – are you hoping for short-term or long-term returns? Depending on your answer, your investment process will change. In order to find out more about investing, click here, or call us on 01926 492406.

What Our Clients Say

People Love KLO Financial Services

‘Andy Green has been our IFA since 2013 when we needed investment advice for parents who were downsizing their home. Andy’s advice has seen their investment grow while safeguarding it for the future. Due to the great service, my parents received we now use Andy and KLO Financial Services for our own investments and pension, which have performed exceptionally well over the last 12 months.’


‘I have been a client of Andrew Green for a while and when he advised me that he was setting up a new company and team as KLO, I did not hesitate to move my portfolio to this new team. I am delighted with the service that I receive from KLO and the focused approach in responding to my changing requirements. I know that my portfolio is getting the attention it needs to met my personal objectives.’


‘I approached KLO Financial Services as I needed advice on how to best invest my assets. Andrew discussed with me my options and I felt confident to invest with KLO Financial Services. The one thing I really liked was the very little time it took to get started, Andrew and his team were readily available and happy to help. I am very pleased with the experience and will continue to use KLO Financial Services.’


‘We have been thoroughly impressed by the detailed advice Andy has given Oneresource Virtual Assistants to enable us to set up workplace pensions for both the directors and the employees of the company. With Andy’s help we feel we have been able to make informed, cost-effective choices that match our aims and goals.’