Investing with Need Financial Planning

Investments & Long-Term Planning

Structured, personalised investment advice for the long term

Name: Need Financial Planning
Address: 123 High Street, Broadstairs, Kent, CT10 1NQ, GB
Telephone: 01843 228800
Rating: 5

Investing shouldn’t feel like guesswork or gambling. We help you build a clear, long-term investment plan that reflects your goals, your attitude to risk and your wider financial life – not just what the markets are doing this week.

Independent advice – not tied to any provider or product range.
Portfolios aligned with your goals, timeframes and risk tolerance.
Regular reviews to keep your investments on track over time.

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Is investing with NeedFP right for you?

We typically work with people who want their money to work harder over the medium to long term, but don’t want to manage everything themselves or worry about every market headline.

You’re building for the future

You may be saving for retirement, children’s education, a future home or simply to grow your wealth sensibly over time, rather than leaving everything in cash.

This ensures every investment choice has a purpose and remains fully aligned with the life you're planning for.

You value structure, not speculation

We spread your money across different investment types, regions and asset classes so you’re not over-exposed to any single area of the market.

Where relevant, we can build portfolios that reflect your ethical or responsible investment preferences without compromising on a structured, risk-managed approach.

You want a trusted partner

You value being able to speak to a real adviser who understands your goals, who can explain your options, and help you make smart decisions with confidence.

This ongoing oversight helps protect you from unnecessary risks and keeps your investments moving in the right direction over time.

A Financial Adviser You Can Trust

At Need Financial Planning, we’ve built long-standing relationships with clients who rely on us to manage, grow and protect their wealth — not just for today, but for the years and decades ahead. Many come to us through referrals, a reflection of the confidence they place in our expertise and integrity.

As independent financial advisers, we’re not tied to banks or investment firms. Every recommendation we make is based solely on what’s right for you — your goals, your timeframes and your attitude to risk. Whether you're investing for the future, planning for retirement or looking to structure your money more efficiently, our guidance is always personal, unbiased and designed around you.

Let’s build a financial future that works for you.

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"Excellent, informed guidance and advice. The whole Need team provided us with not only first class financial services but ongoing personal, emotional support throughout a very difficult and trying time in our life."

"Finding a financial adviser you can trust is difficult but look no further. James has always been open, straightforward and genuinely supportive. I would recommend NeedFP without hesitation."

"A big thank you to Need Financial. James and the team have been extremely helpful with our pensions — professional, courteous and diligent. We couldn’t recommend them more."

"A wonderful, caring and professional service. This small, dynamic business wins hands down over large, impersonal providers."

Our investment approach

Our role is to give your money a clear job to do, then choose and monitor investments that are appropriate for that job – while keeping you fully informed and in control.

Goals first, investments second

We start with your objectives, time horizon and tolerance for risk – then build or recommend portfolios designed around those, rather than working backwards from a product.

This ensures every investment choice has a purpose and remains fully aligned with the life you're planning for.

Risk managed, diversified portfolios

We spread your money across different investment types, regions and asset classes so you’re not over-exposed to any single area of the market.

Where relevant, we can build portfolios that reflect your ethical or responsible investment preferences without compromising on a structured, risk-managed approach.

Ongoing reviews & adjustments

Markets move, tax rules change and life evolves. We review your investments, rebalance where needed and check that everything still fits the plan you’re working towards.

This ongoing oversight helps protect you from unnecessary risks and keeps your investments moving in the right direction over time.

How we work with you

1

Discovery meeting

We talk about what you want your money to do, your experience with investing so far and how comfortable you are with risk, ups and downs and timeframes.

2

Planning & recommendations

We look at your existing arrangements, build a picture of where you are now, then recommend an investment approach that fits your goals and risk profile.

3

Implementation & setup

If you decide to go ahead, we take care of setting everything up – from paperwork and transfers to ensuring your portfolio is invested in line with the agreed plan.

4

Ongoing reviews & support

We stay in touch with regular reviews, checking progress against your goals and making adjustments where life or legislation changes.

Investing with NeedFP – FAQs

Do I need a large lump sum to start investing? ⌄

Not necessarily. We work with clients who invest lump sums, make regular monthly contributions, or a combination of both. The key is having a realistic plan and a suitable time horizon, not just the starting amount.

Will my investments go up and down? ⌄

Yes. Investing involves risk and the value of your portfolio will fluctuate over time. Our job is to help you choose the right level of risk, diversify sensibly and stay focused on the plan rather than short-term noise.

Can you review my existing investments? ⌄

Yes. We can review existing ISAs, general investment accounts, onshore/offshore bonds and other investments. We’ll explain how they’re invested, what they cost and whether they still fit your goals and risk profile.

Are you independent financial advisers? ⌄

Yes. As independent advisers we can recommend products and providers from across the market, rather than being restricted to a single investment company or panel.

How often will we review my investments? ⌄

That depends on the service level we agree, but typically at least once a year, with the option for more regular contact where appropriate. You can also get in touch between reviews whenever you have questions or something changes.

Ready to talk about investing?

Whether you’re starting from scratch, building on existing investments or simply want a second opinion, a conversation can help you understand your options and the best way forward.

Book your Free Consultation

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.