At KLO Financial Services, we understand that no two individuals or businesses share the same goals or ambitions. Each client is unique, with their own needs, targets and budgets. For this reason, we have built our business on the foundation of taking the time to listen to you in order to provide bespoke, personal financial management solutions.


Personal financial planning is a long-term process that includes all aspects of organising your finances, whether that’s budgeting, banking, insurance, mortgages, investments, retirement planning, tax planning or property planning. It refers to the process of financial management and providing services to individuals and businesses, advising them about financial and investment opportunities.

Specifically, personal financial management is about meeting personal goals, whether that’s building your investment portfolio, or paying for your children’s university fees. In many cases, our financial planners will work with clients for years, 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. In terms of financial planning for businesses, the process is similar, however the focus may be on office space, or how the company director wants the business to flourish.

Regardless of whether you are looking for individual support or business support, the process involved with personal financial management means that we can execute a plan that allows you to fulfil all your needs, within your financial constraints, and making the most out of your income.


Personal financial planning is important as it gives you the means to manage your money in order to achieve personal monetary satisfaction. When you or your business is financially stable, with your money growing to prepare for the future, you are provided with a feeling of security.

Personal financial management is a disciplined approach to not only managing your money, but also reaching life goals. Our financial planners will work with you for years to come so that they can truly understand you and your financial needs in order to provide solutions that keep you financially comfortable.


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

  • The tax efficient investment of capital for growth or income;
  • Retirement planning;
  • Mitigation of tax liabilities, including inheritance tax;
  • The need for adequate family protection in the event of death or ill health;
  • Design and maintenance of an employee benefits program;
  • Funding for business and commercial products. 


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

It may sound simple and obvious, but too often people are offered a ‘one-size-fits-all’ approach, or a simple arrangement of products. At KLO Financial Services, we never take this approach.

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

Strong and Genuine Relationships

Building and maintaining close long-term relationships with our clients means that we can adjust and adapt to changes in your business or personal financial needs. 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 to talk to us about anything they may need to alter in their personal finance management solutions.

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.

Our extensive experience in advising individual and business clients, as well as charitable trusts and professional trustees, allows us to deliver effective solutions for an array of client objectives.

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’re interested in finding out more information about how KLO Financial Services can help you with your personal financial planning, get in touch by calling 01926 492406 or emailing


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

Improved Income Management

Regardless of whether you are an individual or a business, 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 outcome or evaluating the assets and liabilities of a business.

Planning well in advance of all taxes and outgoings that you are liable to pay gives you insight into how to manage your remaining funds. Using this information our financial advisers will work with you to provide thorough personal financial management solutions, to suit your individual circumstances.

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 management adviser, you can have a clearer long-term view of your finances. Whether this is your personal account, or your business’ allocation of funds, a financial planner will be able to analyse your finances and report on your future. Business owners may take these reports as a guide to foresee the organisation in the future in terms of hiring and expansion.

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 budget and improves your control over your financial lifestyle.

Increased Security

If you’re an individual, you will want to provide your family with financial security. Financial planning management can do this. Having correct insurance coverage and policies in place can provide peace of mind for you and your loved ones.

As a business, using financial management solutions can ensure that your business is always protected. You can rest assured knowing that if something unexpected were to happen, your business will be completely covered and will remain unimpeded.



Q1. I don’t know what I want to use my money for, is it worth thinking about personal financial planning yet?

Although you might not have any solid plans in place for the future, you are likely to need the finances at some point in life for either your own personal endeavours, or for those of your family. Even if you don’t know what specific goals you are pursuing, financial management can help you reach them, through continued support with such elements of your finances as investments and retirement planning. Therefore, the sooner you involve a financial planner, the better.

It’s also never too late to create financial goals to give yourself financial security and freedom. Get in touch with KLO Financial Services and we will provide you with the best personal financial management solutions for you.

Q2. Do I need to have a lot of money in order to get a good financial adviser?

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. In fact, our first meeting is always at no cost to you and with no obligation.

Q3: Will a financial planner do all the work for me?

At KLO Financial Services, we don’t just supply a financial plan and then take a back seat. To assure the maximum impact from financial planning, we will also help you execute your personalised plan, whether that’s through financial solutions such as investment or pension planning. The duration of our relationship is up to you. Many of our existing clients have been with us for multiple years as we advise them through different life-changing events.

Q4. How do I determine my long-term financial goals?

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.

Q5. Once my financial project is finished, will our relationship end?

Not unless you want it to. At KLO Financial Services, we are with you for the long haul. After any initial project ends, we can offer ongoing financial management support as often as you would like. Personal financial planning is a process, and so we offer continuing services and periodic reviews. This is how we have developed many long-term relationships with our clients. Financial planning is a long-term process and we are there for you as long as you need us.

Q6: How often should I see a financial planner?

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.

Q7: I know nothing about investing, but I’m interested. Where do I start?

If you’re interested in investing, the first thing you need to decide is what you are trying to achieve – are you saving for a short-term or long-term goal? 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.