Trust, Integrity & Accountability

Committed to these core values for all of our customers, all of the time.

At the core of ELEMENTS FINANCIAL PLANNING LTD’S ethos is our commitment to give consistent quality, advice & services to enable our clients to make informed decisions about their present & future financial plans.


Trust is the foundation of any successful relationship & our clients trust us with theirs & their family’s financial well being & aspirations.


Integrity to our clients is at the heart of everything we do. We pride ourselves on being honest, fair & not misleading.


We take responsibility for the welfare of our clients. Their best interests are paramount, ensuring we are accountable at all times.


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Looking after your loved ones & ensuring your wishes are carried out when you are gone.

Lasting Power of Attorney

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Giving you peace of mind that your future health & financial wellbeing is in good hands.


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Protecting you, your family & your business.

Mortgages & Conveyancing

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Making one of life’s most complex purchases as straight-forward & stress free as possible.

Equity Release

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Helping you fulfil your lifelong dreams in later life.

Savings, Investments & Retirement Planning

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Making your money work for your future.

Testimonials from existing clients

For the past couple of years I had been thinking I would take equity release from my house, as I have no children or dependants I thought it would be a good idea.On meeting up with Gemma she put forward a few options for me. Her professional conduct has been outstanding, no stone unturned and I know she investigated every possible avenue she could, to give me the very best advice. Hence, my equity plan is now in the final stages. Which I am so excited about as I am now looking forward to fulfilling my plans in my retirement.

Gemma has gone on to setting up my Whole Life cover, my Will and my Power of Attorney for me, helping and giving me very sound advice and explained all the legal documents at ease, with her excellent skill and expertise. I will trust her with all my future finance plans and would highly recommend her services.

Many thanks to Gemma for her very efficient, trustworthy and professional conduct in providing all of these services.

J Scott


As a first time buyer the whole house buying process was completely new to me, Gemma is extremely knowledegable and explained everything to me that I needed to know and everything that I needed to do which made the whole process much less daunting. Gemma worked tirelessly through multiple options to ensure I got the best deal avaible as I was a first time buyer with only 5% deposit and she managed to find me a really good deal. Gemma also reran multiple AIP’s for me at very short notice and was very fast and efficient at doing this, as I ended up in a bidding war for the house that I wanted.

In additon to arranging my mortgage and solicitor for me Gemma supported me and provided help and advice every step of the way, from the setting up of my initial AIP right though to completion. Thanks to Gemma I secured the house I had set my heart on and I know for a fact that without Gemma’s help to arrange and chase things through and her advice and support every step of the way, I would not have been able to achieve this. Gemma most definately goes over and above for her clients, I am extremely happy with the service I received and will most definately be using Gemma’s services when I come to remortgage and for any other financial advice or arrangement services that I need.

J Goodchild

Network Architect

Elements Financial Planning Ltd processed our applications for ‘Lasting Power of Attorney’ (both health and financial versions). The applications were dealt with speedily, courteously and efficiently. At all stages of the process helpful comments and suggestions were freely given.

C&S - Surrey, September 2016

Gemma is extremely professional but also very personable so I felt at ease with her when I came to remortgage my house. She worked through a couple of solutions for us to make sure we were getting the best deal and went the extra mile in sorting out the issues with the mortgage lenders. I am very happy with the service we received  and would highly recommend her to my friends and family.

Deborah Boyle

Co-Founder, Receptor agency

Dear Gemma.  We both cannot thank you enough for securing our Mortgage.  You were there every step of the way and gave us both full support throughout the process.
You made it very easy from the start of the application securing a very competitive mortgage rate.  You supported us both through every step of the process and were always available to give full updates exactly where the application was up to.
It was not the easiest mortgage application to deal with especially with us purchasing the house from a family member and also there being an Equity Release company involved.  You spoke with both sets of solicitors regularly and you were very proactive in giving full updates on exactly what was required and when it was required for.
We really appreciate your experience and skill on how you guided us through the mortgage application from start to finish.  Once again we would like to thank you and would not hesitate in recommending you to anyone looking to secure a mortgage.
Your Sincerely
G & P Gains

Feel free to contact us for further information or to book an appointment

We look forward to hearing from you. Either call, email or use the contact form below.

All areas of the United Kingdom considered

I travel around most areas of the country but can work with you via telephone and email to suit your needs.

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