Financial Planners in Sevenoaks
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A clear financial picture answers the big questions: how much do you need, where is your money now, how do you get there, and what could go wrong? In Sevenoaks, Delphina helps you build that picture: self-service with our planning tools, or with a 1-1 financial coach who'll guide you through every step. Whether you're starting from scratch or bringing together pensions from different jobs, we help you see the full picture and know what to do next.
Frequently asked questions
What does a financial planner do?
A financial planner builds your complete financial picture: what you have, what you need, and the route between the two. That means cash flow modelling, retirement projections, and a written plan. It's broader than product advice; the plan comes first, and any products are just tools to execute it.
What is the difference between a financial planner and a financial adviser?
In the UK the titles overlap and neither is protected, but the emphasis differs: planners focus on the overall plan and cash flow modelling; advisers focus on regulated recommendations for specific products and decisions. Many professionals do both. What matters more is whether they're FCA-authorised and how they charge.
How much does a financial plan cost in the UK?
A full financial plan from a regulated firm typically costs £1,000-3,000 as a fixed fee, or is bundled into ongoing percentage-of-assets charges. The alternative: build the picture yourself with planning tools, or work with a financial coach for a fraction of the cost, and pay for regulated advice only when a specific decision needs it.
Can I do my own financial planning?
For most situations, yes. Working out your retirement number, mapping your pensions, and modelling scenarios are all things good tools now do well; that's exactly what Delphina provides for Sevenoaks residents. Where DIY stops making sense is regulated territory: transferring final salary pensions or complex tax structuring.
About Retirement Planning in Sevenoaks
Sevenoaks has an average house price of £533,529, which is 97% higher than the UK average of £271,000 (ONS UK House Price Index, May 2026).
Annual living costs in Sevenoaks are estimated at £38,194, 17% above the UK average of £32,700. The figure covers day-to-day spending in the South East and excludes housing, which is counted separately through the local house price.
The local property market offers a range of options for retirees, from flats to family homes, at prices reflecting local demand and supply.
Data sources: ONS UK House Price Index (May 2026); ONS Family Spending, expenditure by region (FYE 2025); Pensions UK Retirement Living Standards (2026).
Your Sevenoaks Retirement Number
per year
£12,548
£12,548/yr at age 67
£25,646
Annual costs − State Pension
£641,150
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Assuming retirement at state pension age · Sevenoaks cost of living data · UK State Pension 2026/27
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Explore Other Locations in South East
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| Financial Planners in Adur | South East | £368,910 | £38,194 | £641,150 | £1,010,060 |
| Financial Planners in Arun | South East | £320,350 | £38,194 | £641,150 | £961,500 |
| Financial Planners in Ashford | South East | £341,710 | £38,194 | £641,150 | £982,860 |
| Financial Planners in Basingstoke and Deane | South East | £372,276 | £38,194 | £641,150 | £1,013,426 |
| Financial Planners in Bracknell Forest | South East | £390,219 | £38,194 | £641,150 | £1,031,369 |
| Financial Planners in Brighton and Hove | South East | £403,808 | £38,194 | £641,150 | £1,044,958 |
| Financial Planners in Buckinghamshire | South East | £478,219 | £38,194 | £641,150 | £1,119,369 |
| Financial Planners in Canterbury | South East | £341,331 | £38,194 | £641,150 | £982,481 |
| Financial Planners in Cherwell | South East | £351,051 | £38,194 | £641,150 | £992,201 |
| Financial Planners in Chichester | South East | £426,958 | £38,194 | £641,150 | £1,068,108 |
| Financial Planners in Crawley | South East | £330,955 | £38,194 | £641,150 | £972,105 |
| Financial Planners in Dartford | South East | £341,447 | £38,194 | £641,150 | £982,597 |
| Financial Planners in Dover | South East | £276,156 | £38,194 | £641,150 | £917,306 |
| Financial Planners in East Hampshire | South East | £437,074 | £38,194 | £641,150 | £1,078,224 |
| Financial Planners in Eastbourne | South East | £255,473 | £38,194 | £641,150 | £896,623 |
| Financial Planners in Eastleigh | South East | £308,958 | £38,194 | £641,150 | £950,108 |
| Financial Planners in Elmbridge | South East | £759,229 | £38,194 | £641,150 | £1,400,379 |
| Financial Planners in Epsom and Ewell | South East | £552,902 | £38,194 | £641,150 | £1,194,052 |
| Financial Planners in Fareham | South East | £333,822 | £38,194 | £641,150 | £974,972 |
| Financial Planners in Folkestone and Hythe | South East | £312,914 | £38,194 | £641,150 | £954,064 |
| Financial Planners in Gosport | South East | £237,267 | £38,194 | £641,150 | £878,417 |
| Financial Planners in Gravesham | South East | £340,305 | £38,194 | £641,150 | £981,455 |
| Financial Planners in Guildford | South East | £525,805 | £38,194 | £641,150 | £1,166,955 |
| Financial Planners in Hart | South East | £478,996 | £38,194 | £641,150 | £1,120,146 |
| Financial Planners in Hastings | South East | £236,670 | £38,194 | £641,150 | £877,820 |
| Financial Planners in Havant | South East | £316,718 | £38,194 | £641,150 | £957,868 |
| Financial Planners in Horsham | South East | £440,938 | £38,194 | £641,150 | £1,082,088 |
| Financial Planners in Isle of Wight | South East | £240,291 | £38,194 | £641,150 | £881,441 |
| Financial Planners in Lewes | South East | £364,996 | £38,194 | £641,150 | £1,006,146 |
| Financial Planners in Maidstone | South East | £365,560 | £38,194 | £641,150 | £1,006,710 |
| Financial Planners in Medway | South East | £297,435 | £38,194 | £641,150 | £938,585 |
| Financial Planners in Mid Sussex | South East | £436,223 | £38,194 | £641,150 | £1,077,373 |
| Financial Planners in Milton Keynes | South East | £323,611 | £38,194 | £641,150 | £964,761 |
| Financial Planners in Mole Valley | South East | £562,284 | £38,194 | £641,150 | £1,203,434 |
| Financial Planners in New Forest | South East | £374,236 | £38,194 | £641,150 | £1,015,386 |
| Financial Planners in Oxford | South East | £473,994 | £38,194 | £641,150 | £1,115,144 |
| Financial Planners in Portsmouth | South East | £249,557 | £38,194 | £641,150 | £890,707 |
| Financial Planners in Reading | South East | £349,144 | £38,194 | £641,150 | £990,294 |
| Financial Planners in Reigate and Banstead | South East | £485,962 | £38,194 | £641,150 | £1,127,112 |
| Financial Planners in Rother | South East | £339,171 | £38,194 | £641,150 | £980,321 |
| Financial Planners in Runnymede | South East | £475,272 | £38,194 | £641,150 | £1,116,422 |
| Financial Planners in Rushmoor | South East | £312,761 | £38,194 | £641,150 | £953,911 |
| Financial Planners in Slough | South East | £343,618 | £38,194 | £641,150 | £984,768 |
| Financial Planners in South Oxfordshire | South East | £473,716 | £38,194 | £641,150 | £1,114,866 |
| Financial Planners in Southampton | South East | £232,883 | £38,194 | £641,150 | £874,033 |
| Financial Planners in Spelthorne | South East | £434,775 | £38,194 | £641,150 | £1,075,925 |
| Financial Planners in Surrey Heath | South East | £444,970 | £38,194 | £641,150 | £1,086,120 |
| Financial Planners in Swale | South East | £287,990 | £38,194 | £641,150 | £929,140 |
| Financial Planners in Tandridge | South East | £498,314 | £38,194 | £641,150 | £1,139,464 |
| Financial Planners in Test Valley | South East | £373,389 | £38,194 | £641,150 | £1,014,539 |
| Financial Planners in Thanet | South East | £260,951 | £38,194 | £641,150 | £902,101 |
| Financial Planners in Tonbridge and Malling | South East | £402,779 | £38,194 | £641,150 | £1,043,929 |
| Financial Planners in Tunbridge Wells | South East | £449,883 | £38,194 | £641,150 | £1,091,033 |
| Financial Planners in Vale of White Horse | South East | £413,205 | £38,194 | £641,150 | £1,054,355 |
| Financial Planners in Waverley | South East | £546,965 | £38,194 | £641,150 | £1,188,115 |
| Financial Planners in Wealden | South East | £385,544 | £38,194 | £641,150 | £1,026,694 |
| Financial Planners in West Berkshire | South East | £403,498 | £38,194 | £641,150 | £1,044,648 |
| Financial Planners in West Oxfordshire | South East | £422,096 | £38,194 | £641,150 | £1,063,246 |
| Financial Planners in Winchester | South East | £471,136 | £38,194 | £641,150 | £1,112,286 |
| Financial Planners in Windsor and Maidenhead | South East | £572,790 | £38,194 | £641,150 | £1,213,940 |
| Financial Planners in Woking | South East | £445,943 | £38,194 | £641,150 | £1,087,093 |
| Financial Planners in Wokingham | South East | £486,556 | £38,194 | £641,150 | £1,127,706 |
| Financial Planners in Worthing | South East | £301,540 | £38,194 | £641,150 | £942,690 |