‘A goal without a plan is just a wish.‘
Welcome to Four Pillars Financial Planning where our clients are at the heart of what we do. As Independent Financial Planners we have a legal, moral, and commercial obligation to our clients which is the core of our client proposition.
We provide Independent Financial and Lifestyle Planning to individuals and business owners to help them create Financial Freedom, Financial Independence and achieve their desired lifestyle and goals. The Four Pillars of Life are a key part of our company as everyone should focus on Health, Wealth, Gratitude & Happiness not just money.
How can we help?
What our clients say
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Sought advice from Keith before my retirement in 2018, he took great time and care to explain my options, pros and cons etc until I and my wife were ready to make our decision with peace of mind. His advice led to me making the best financial decision I ever made. I have no hesitation in recommending Keith and his excellent team to any prospective client.
— Max & Sonja
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Highly recommend 4PFP, we have recently had a meeting with our Financial Adviser there (Keith) due to an unexpected family expenditure. He was so helpful with all aspects of this from explaining the best option for releasing capital to what we should do going forward. He explained everything so clearly and we both felt so much better after the meeting. The office is just outside Salisbury so easily accessible with plenty of parking and good coffee!
— Nicky & Alan
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I was introduced to Keith by a friend some years ago and made the decision to entrust him with my finances. Whilst being very happy with the service and the investments made on my behalf I have also always found Keith to be very respectful, personable, polite, interested and above all honest.
— Sandra
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We have finally found a company whose main priority is their clients financial future, and welfare, and not their own success. First class knowledgeable advice from Keith in the management of our lifestyle covering investments, savings, property and pensions, for us and our immediate family. Knowledgeable back office members who have the ability and experience, in answering queries that do not require an authorised and qualified advisor.
— Andy & Annie
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Keith has advised us for several years and is the best IFA by far that we have had. He is a genuine and honest person who listens, is patient, and will readily provide further explanations. Keith emphasises the holistic approach that he takes to one’s finances, life circumstances, attitudes to risk, and life goals, and then distills everything so that shorter term plans and broader strategies are both easy to understand and meaningful. One is left with a clear focus on what lies ahead. You certainly feel that your business is as important to Keith as anyone else’s, that his advice is specifically tailored to you, and that it is your interests that come first. We are very pleased to continue to look to our family’s future with their help and guidance.
— Steve & Caryl
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My wife and I have known Keith Hartland for the past 25 years and he has been instrumental in guiding us with our investments and retirement planning. The yearly reviews we have are very helpful as the markets vary during that time and these up dates keep us abreast of the situations that occur, he is always available to contact and set meetings up if necessary. Keith has also helped other members of our families with financial planning and other issues i.e. mortgages, legal etc.
I do not think my wife and I would be in the good position we are today with out his advice an guidance.
— Richard & Sharon
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Keith has been a great advisor and sounding board for myself and my family over the years for all aspects of life, business, and Finances. I have worked in Banking for decades and am now in residential and commercial lending so it’s good to have someone who knows about business, Taxation, and long-term planning. My wife runs a long-term retail business and Keith has also given good input and advised us on many areas. He always looks at the bigger picture and helps formulate plans to get us to where we want to be.
— Julian & Paulette
our blogs
We believe having insights written by regulated individuals can help you improve your financial education by understanding finances, learning financial literacy, and updating you on the changes to the economy. Giving you the confidence to make informed financial decisions.
You never stop being a parent, and even your adult children may need some advice about their finances as they face new hurdles and begin thinking about their long-term goals.
The much-anticipated Autumn Budget was finally delivered on the 30th October, in reality it wasn't quite the fireworks show the nation was expecting.
Chancellor Rachel Reeves faced the task: filling the "black hole" in public finances while keeping her party's ambitious manifesto pledges. The solution? A plan to raise £41 billion in taxes over the next five years.
You lay the foundations for adulthood during your teenage years, and learning how to manage your finances is a vital part of this.
You may assume that children don’t need to learn about money until they reach their teenage years and become more independent.
36% of under-25s turn to “finfluencers” – financial influencers – for help with managing their wealth.
There has been lots of noise over the past week about the stock markets and we want to reassure you that this is a normal part of investing.
Losing capacity can be a daunting prospect, but acting early can protect your best interests
You’ve spent a lifetime building your wealth, so you’ll want to make sure that it’s distributed according to your wishes.
Ever feel like your finances control you, rather than the other way around? You're not alone.
HMRC are investigating 2,000 families for underpaying Inheritance Tax. Learn who is liable for calculating what is owed and what happens if they make a mistake.
The UK woke up Friday to a change in government, as Labour won the general election by achieving the biggest swing in recent parliamentary history…
Ever wondered what an Individual Savings Account (ISA) really is and how it works as a part of your financial plan? In this guide we'll break down everything you need to know about ISAs
we understand that navigating the tax system can be complex. But did you know there are several tax allowances you could be missing out on that could reduce your tax burden?
In what was widely expected to be Mr. Hunt’s final Budget ahead of an election, speculation in the final run up focused on the trade-offs that might be required around cutting taxes and meeting both fiscal rules and spending commitments.
A Cashflow plan acts as your roadmap to your financial journey. It takes various financial information as well as your goals and aspirations and helps you make informed decisions about your financial freedom.
When you focus on an important goal, other people’s opinions can be distracting, even derailing. Who cares if a friend doesn’t agree with your new exercise plan, as long as it’s working for you?
We work with various investment partners to help you achieve financial freedom. ebi Portfolios were launched in 2010