Financial advice that meets you where you are
Not where an adviser wants you to be.
We’re an independent, family-run financial planning firm.
People come to us for all sorts of reasons – a mortgage, a pension question, or a full financial reset.
There’s no “right” way to start. We’ll help you with what you need now, and make sure you don’t accidentally make things harder or more expensive later.
Why people usually get in touch
Most people don’t come to us asking for a specific product.
They come because something feels unclear, messy, or risky.
Common starting points include:
“I earn well, but I’m not sure I’m doing the right things”
- Multiple pensions from different jobs
- Tax getting more painful as income rises
- Cash building up with no clear plan
“We want to slow down or retire, but don’t want to get it wrong”
- Pension access feels complex, and ‘final’
- When can we afford to stop or cut back?
- Fear of running out or triggering tax traps
“My business is doing well, but my personal finances feel disconnected”
- Business is effectively my pension
- Unsure how to extract money sensibly
- Thinking about selling, slowing down, or succession
If any of that sounds familiar, a short conversation is usually the best place to start.
Two ways people work with us (both are fine)
Option 1: Specific advice only (transactional)
If you already know what you want help with, we’re very happy to advise on a single area.
Typical examples:
- Mortgage or remortgage
- Pension review or transfer
- Investment advice
- Protection or insurance
- There’s no requirement to do a full financial plan
- We agree the scope and fee upfront
- There’s no pressure to take ongoing services
Option 2: Planning first (often cheaper overall)
Where people have multiple pensions, investments or moving parts, a financial plan often works out cheaper overall.
That’s because the groundwork is done once, rather than repeating the same analysis every time something needs changing.
This is why many clients with £150k+ of pensions or investments choose to start with a holistic financial plan – but it’s never compulsory.
Planning first means:
- A joined up view of your finances and wider impact of decisions.
- A fixed, transparent planning fee
- Clear priorities and “what if?” modelling
- Reduced costs for follow-on advice because the hard work is already done
- No obligation to implement anything with us
Our Role
We won’t push you into a full financial plan if it’s not appropriate.
And we won’t provide piecemeal advice if it’s likely to cost you more or cause problems later.
Our job is to help you make informed choices, not to funnel you into a predefined service.
Areas we advise on
We provide advice in all of these areas – either on their own, or as part of a wider financial plan, whatever you need.
Holistic Financial Planning
Joined-up planning to understand where you stand and what to do next.
Pensions & Retirement
Including Final Salary, drawdown and retirement timing decisions.
Investments
Independent advice and ongoing management where useful.
Mortgages
Straightforward advice for home movers, re-mortgages and landlords.
Equity Release & Lifetime Mortgages
Clear plain language advice on releasing the cash from your property while continuing to live there in later life.
Protection & Insurance
Life, critical illness, income protection &home insurance.
Cash Management
Making sure your cash accounts are structured to earn as much as possible while being available when you need them.
Estate Planning
Last Will and Testament, Powers or Attorney and Trusts.
Not sure which services you really need? Book a free initial chat and we will help you to work it out.
Clear, Transparent Fees – No Surprises
No hidden charges. No pressure to buy products.
At your initial free meeting we always make sure you understand what we will be paid and how, before any work begins.
But our fees aren’t a secret either – we are happy to email you a pdf with all our fees in black and white, even if you haven’t booked a meeting yet, just click here to request one.
Why people choose Bloomfield Financial
Not because we shout the loudest — but because this is how we actually work.
- Family-run, independent firm
- Plain English – no jargon
- Planning first, products second
- Comfortable with complex cases (Final Salary, Business Owners)
- Long-term relationships, not transactions
The first step is just a conversation
A free initial meeting gives you clarity on:
Whether we can help
What your options are
What it would cost
No obligation. No pressure.
