KMD Financial Planning

09/07/2026

Are you on track for the retirement you want? 🧮
It’s a question many people don’t feel confident answering - and that’s exactly why I’ve created a simple Pension Shortfall Calculator to help.
In just a few minutes, you can:
✅ Estimate how much income you might need in retirement
✅ See if there could be a shortfall
✅ Start thinking about whether any action is needed
It’s a straightforward way to get a clearer picture of your future - in plain English, without complicated jargon.
Try it here 👇
👉 https://kmdfinancialplanning.co.uk/tools/pension-shortfall-calculator/

*This tool and post are for general information purposes only and do not constitute personal financial advice. The outputs are estimates only and should not be relied upon for decision-making. The value of investments and pensions can go down as well as up, and you may not get back the amount invested. Individual circumstances vary, and you should seek professional advice tailored to your needs.*

Find out if your pension is on track for retirement. Our calculator projects your pot at retirement and shows a shortfall. Independent pension advice.

03/07/2026

Why use a financial adviser? 🤔
Managing your money can feel overwhelming — from pensions and investments to mortgages, protection, and tax planning.
A good financial adviser helps you:
✅ Make informed decisions, not emotional ones
✅ Create a clear, long-term financial plan
✅ Avoid costly mistakes
✅ Stay on track as your life and goals change
Most importantly, it’s about having a trusted professional in your corner — helping you navigate the complexity and focus on what really matters to you.
If you’ve ever wondered whether advice would make a difference, this guide explains it in plain English 👇

https://kmdfinancialplanning.co.uk/why-use-an-independent-financial-adviser-a-plain-english-guide/

*This post is for general information purposes only and does not constitute personal financial advice. The value of investments can go down as well as up, and you may not get back the full amount invested. Individual circumstances vary, and you should seek professional advice tailored to your needs before making financial decisions.*

Why Use an Independent Financial Adviser? | KMD Financial Planning Kent Financial Planning · Independent Advice Why Use an Independent Financial Adviser? A

24/06/2026

Thinking about the future of your estate?Inheritance tax planning doesn’t have to be complicated - but leaving it too late can be costly.
Here’s a straightforward guide to help you understand your options:�https://kmdfinancialplanning.co.uk/inheritance-tax/
If you’d like to talk through your own situation, I’m always happy to help.

*This information is for general guidance only and does not constitute personalised financial advice. The value of investments and tax treatment depends on individual circumstances and may change in the future. You should seek professional advice before making any decisions.*

A guide to pension Inheritance tax changes April 2027 in plain English

11/06/2026

Should you overpay your mortgage or invest? 🤔
It’s a question many people are asking right now - especially with higher interest rates and rising living costs.
On one hand, overpaying your mortgage can:
✅ Reduce the interest you pay
✅ Help you become mortgage-free sooner
✅ Provide peace of mind
On the other, investing could:
✅ Offer higher long-term returns
✅ Help grow your wealth over time
✅ Support your broader financial goals
The right answer isn’t the same for everyone - it depends on your priorities, risk tolerance, and overall financial position.
If you’re unsure which approach is right for you, I’ve put together a simple, plain‑English guide to help you think it through 👇
👉 https://kmdfinancialplanning.co.uk/should-i-overpay-my-mortgage-or-invest-the-money

*This post is for general information purposes only and does not constitute personal financial advice. The value of investments can go down as well as up, and you may not get back the full amount invested. Individual circumstances vary, and you should seek professional advice tailored to your needs before making any financial decisions.
Your home may be repossessed if you do not keep up repayments on your mortgage.*

Overpay vs invest — the answer depends on your rate and tax position. Use our interactive calculator to see which leaves you better off.

05/06/2026

💡 How much life insurance do you really need?
It’s one of the most important financial questions, yet many people either guess… or put it off altogether.
To make things easier, I’ve just launched a simple Life Insurance Calculator on my website.
✅ It helps you quickly estimate the level of cover your family might need if the worst were to happen.
👉 Try it here: https://kmdfinancialplanning.co.uk/tools/life-insurance-calculator/
✅ Takes just a few minutes
✅ Gives you a clearer starting point
✅ Helps you plan with confidence
Whether you already have cover or are just starting to think about it, this is a great first step.
📩 If you’d like help turning the results into a personalised recommendation, feel free to message me.

*This calculator is for illustrative purposes only and does not constitute personalised financial advice. The results are based on the information you enter and may not reflect your individual circumstances. Life insurance needs vary, so it’s important to seek regulated financial advice before making any decisions.*

KMD Financial Planning LLP is authorised and regulated by the Financial Conduct Authority.

Calculate how much life insurance, critical illness and income protection you need. Free interactive calculator from KMD Financial Planning LLP.

09/07/2024

Don’t miss out on your annual tax allowances! Let’s get started…

2024/25 Tax Year Planning. We can help you.



HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Approved by The Openwork Partnership on 26/04/2024.

05/01/2024

2024 kicks off with a number of mortgage lenders reducing their rates, easing the monthly payment shock for many people who are due to remortgage soon.
Are you looking to remortgage now? Talk to us and we can discuss all your options and find the right deal for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 03/01/24.

10/11/2023

Life can be full of surprises. You can’t be prepared for everything. You may have some insurance to support you financially if the unexpected happens, but have you considered how private medical insurance might offer you and your family the peace of mind you need if your health takes a turn for th...