Planning for a wedding?

Weddings are joyous occasions filled with happiness and celebration, but there are also financial aspects to consider if you’re paying for one. Chat with us and get the finances planned.

Received an inheritance?

We’re fully aware that receiving a bequest often comes at a difficult time. We’re here to respectfully offer our expertise in helping you make the most of your inheritance.

Inherited a house?

When you inherit a house, life can change overnight. When you need solid advice on your best course of action, KGJ is here to help you get the very best from your situation.

Retiring soon?

When the end of your working life comes into view, KGJ is here to ensure that your pensions and other financial concerns are working hard to support you in retirement.

Control your pension?

When it comes to retirement planning, the earlier you start, the better. If you have any concerns about your plans for later life, get in touch with us to discuss your pension options – and it’s never too late!

Business growing strongly?

When your business starts to grow it can be equally exciting and worrying. KGJ will ensure you can enjoy your success with the peace of mind that you have the financial protection that you need.

Baby on the way?

Having a child is wonderful and will also change your world completely! We’re here to help you consider your financial situation and the changes you could make for better financial security.
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Financial Advisors and Insurance Experts

For over fifty years in the insurance, investment and mortgage fields we have always put our clients first, protecting and securing their financial wellbeing. Offering everything from independent financial advice to bespoke insurance policies, KGJ works closely with you, getting to know you personally to secure the best policy for you. We are fiercely independent, and we answer to nobody else but you, so we can truly care.

As a family-run business, we know the importance of the personal touch. We know that insurance can be a complicated topic, so we endeavour to explain everything clearly and transparently for you. Being independent brokers, we can also focus on delivering exceptional insurance policies tailored to you while providing excellent customer service, whether it’s personal or commercial solutions you need. We have designed and selected our policies to give you financial protection and peace of mind whenever and wherever you need it – it’s the KGJ way.

Get Free Advice

When it comes to insurance and financial services, knowing where to start can often be the biggest hurdle. That’s why KGJ are by your side from the very moment you first get in touch with us.

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Our Financial and Insurance Services

Across a spectrum of insurance plans and financial services, KGJ will work closely with you to find a bespoke solution that does exactly what you expect. Here are just some of our main services.






Investing a Windfall or Inheritance

If you receive a windfall or inheritance, consider your long-term financial goals before deciding how to invest the funds. You may want to consult a financial advisor to help you develop an investment.

Making Your Pension Work

To make the most of your pension, it's important to contribute as much as possible and to start saving early. You may also want to consider consolidating multiple pensions into one.

Planning for a Large Expenditure

If you're planning for a large expenditure such as a home purchase or major renovation, it's important to budget carefully and save up as much as possible beforehand.

Planning for Inheritance Tax

If you're concerned about the impact of inheritance tax, there are strategies you can use to minimise your tax liability. Consult a financial advisor to determine the best approach for your circumstances.

Planning for Retirement

Planning for retirement involves estimating how much income you'll need to cover your living expenses in later life and taking steps to ensure you have enough savings and investments to meet those needs.

Tax-Efficient Investing

Tax-efficient investing can be achieved with a financial advisor using strategies such as investing in tax-free savings accounts or using tax-efficient investment vehicles such as ISAs or pension schemes.

Consolidating Pensions

These days few people have a career with one firm and end up with multiple pensions with different providers from each employment. We can help you consolidate your pensions and prepare for flexible access drawdown in retirement.

Inheritance Tax Planning

Inheritance tax is onerous. Over a certain threshold, it is normally 40% of the value of the estate, including money, possessions and property, of somebody who has passed away. At KGJ, we can help you plan for it.

Long-Term Cash Planning

We have tools that allow us to build a forecast for 60 or more years into the future. Although nobody has a crystal ball, it is possible to see the general direction a savings plan will take you and whether you will be able to get to where you want.

Making the Best of Your Retirement

Retirement should be all about getting the most out of life, and a pension fund is essential for maintaining your quality of life after your working days end. We can help you make your existing pension last longer and do more for you.

Pension Planning in Middle Age

If you start planning your retirement when you’re already in middle age, then there is no need to panic! All is not lost, and a great deal is possible, even in a short time. Get in touch so that we can work out what the best plan is.

Starting Pensions Young

The best time to start a pension is when you start work. Even a very small monthly deposit can end up making a sizeable contribution to a retirement fund that won’t be used for forty years or more. Get in touch to get your pension started.

Adverse Credit Lending

Adverse credit lending is ideal for buyers with poor credit history. It often involves higher interest rates, stricter terms and increased risk for lenders due to previous credit issues.

Buy-to-Let Mortgages

Buy-to-let mortgages are loans used to purchase rental properties. They have higher deposits, different interest rates and are subject to landlord regulations. Financial and legal advice is essential.

Holiday Home Mortgages

Holiday home mortgages are loans used to finance second homes or holiday properties. They typically require a larger deposit, have higher interest rates, and may have strict eligibility criteria.

Lifetime Mortgages

Lifetime mortgages allow homeowners aged 55+ to release tax-free cash from their property without selling it, with interest accruing over the loan's lifetime, unless (optionally) paid.

Residential Mortgages

Residential mortgages are loans used to purchase or refinance a home. They typically have fixed or variable interest rates and can be repaid over a period of up to 35 years.

Short-Term Finance

Short-term finance provides interim funding when purchasing a property. Short-term finance is typically used for renovations and offers temporary capital with higher interest rates and shorter repayment terms.

Health Insurance

Health insurance is for anyone who wants to protect themselves financially against the high cost of medical care, including private health insurance or insurance for carers.

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Home Insurance

Anybody who owns – or has a stake in – a home property they want to safeguard against potential dangers, damages and unforeseen events should consider home insurance.

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Life Insurance

Life insurance provides financial security for your loved ones in the event of your unexpected death, covering expenses such as funeral costs, debts and living expenses.

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Boat Insurance

Marine insurance should be considered by anybody operating near or on seas, canals or other major bodies of water, as well as by boat owners – whether they operate yachts or narrowboats.

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Motor Insurance

Vehicle damage, injuries to other people in an accident, fire, theft and weather damage, among others, can all be covered by personal motor insurance policies.

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Travel Insurance

Travel insurance, be it domestic or international, protects travellers from expenses they might incur because of unforeseen events during their trip.

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Company Pension Schemes

Company pension schemes are designed to help employees save for their retirement by making regular contributions to an investment fund that grows over time.

Death in Service Policies

This benefit provides financial support to an employee's loved ones during a difficult time and can be an important factor in attracting and retaining talented employees.

Inheritance Tax Planning

By structuring affairs in a tax-efficient manner, business owners can ensure that their estate is passed on to beneficiaries in the most cost-effective way.

Tax Planning for Directors

Directors can ensure they are making the most of available tax breaks with tax-efficient pension contributions, investment opportunities and remuneration packages.

Succession Planning

Succession planning involves developing processes for the transfer of leadership and ownership of a business, or other assets from one generation to the next.

Corporate Investment

The aim of corporate investment is to generate a return on the company's cash reserves, which can be used to fund future growth or pay dividends to shareholders.

Property Insurance

Protect your commercial property or property portfolio against potential risks, damages and unexpected events with our wide range of property insurance policies.

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Key Person Insurance

Business owners and managers need to protect their companies against the loss of key, high-level personnel. Key person insurance provides the funds needed to put temporary staff in place.

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Group Private Medical Insurance

It is highly cost-effective to provide medical insurance through group schemes and it is easy to set it up too – even more so with KGJ’s expertise at your side.

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Fleet Insurance

With fleet cover available for as few as two vehicles, motor insurance can protect your fleet and your business from accidents, theft and damages.

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Commercial Mortgages

Whether you’re looking for a mortgage for property development purposes or just an owner-occupier mortgage, our experts can secure the right policy for you.

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Business Insurance

From public liability to equipment protection insurance, businesses often require an array of insurance policies. Let us help you find the right one.

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Get in Touch

As a professional and caring family-run insurance broker, we’ve been helping clients since 1969 - we always have time to help you navigate the money maze to financial wellbeing and peace of mind. We’re the sort of company that really values meeting and speaking to our clients. Perhaps some would say we are a bit old-fashioned, but we know we can only give the very best bespoke services if we get to know our clients, and there’s only one way to do that, by talking to you!

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Professional Partners

Our Customers

We’ve been privileged to provide our services to many different clients over the years. Here’s what just a few of them have said about working with KGJ.

Talk to the Experts

Taking out insurance or investing your money is a big commitment, and we understand that completely. Whatever questions you have, we’re here to provide clear and concise answers – just get in touch.

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Expert Financial and Insurance Advice

Our insurance brokers and financial services experts regularly add interesting and informative articles to our KGJ blog, helping to demystify the processes and explain in clear terms different types of policies and investments. If you’re looking to learn more, start here.