+44 (0) 1462 815 095 info@cogentfp.co.uk

Find out more about our services…




Are you…

a first time buyer trying to secure your first mortgage?

worried your retirement plan won’t properly support you financially in later life?

in need of an additional income but don’t know where to start with equity release?




Whatever your current situation, the need for clear, concise, and truly independent financial advice is more important than ever. You want to know your assets are protected, your family’s future is stable, and you’re not being sold products which aren’t suited to your financial situation.

Based in leafy Shefford, Bedfordshire, Cogent Financial Planning is a deeply-rooted, down-to-earth, and trusted financial advisor to individuals and businesses across the three counties.

Your partner in success

For 25 years we’ve helped our clients…

  • Define, clarify, and achieve their financial goals
  • Protect their assets and maximise their investments
  • Secure their family’s future by creating an effective retirement strategy

We can do the same for you!

“We found the whole experience to be stress-free and completed with the minimum of fuss.” – Sharon Smith & Michael Lee

Contact us today for a FREE no obligation assessment, and we’ll complete an in-depth analysis of your financial goals, investment strategies, and retirement plans.

Even if you feel your finances are in a mess, we’ll take the time to get you back on track with a clear and simple plan of action.

Here’s how you’ll benefit from working with Cogent…

We’ll save you money

Don’t worry about any surprise fees or charges. We make sure there are no sudden shocks, and that the products we show you are the most cost effective for you long term. We also deal with the financial companies directly so you won’t have to spend a fortune ringing customer services.

We’ll save you time

We project manage your mortgage, pension, and investments from initial enquiry to completion. We’ll liaise with all the financial companies on your behalf so you don’t have to lift a finger.

We’ll come to you

Forget spending time and money getting to our office (although we make a smashing cup of tea if you do!) We’ll arrange to come and see you at your work or home, at a time that suits you. Our business has been built on referrals and customers who stay with us for life. Once you’ve experienced our personal touch we’re confident you’ll be with us for the long haul.

We’ll find the right product for YOU

We take the time to understand your personal financial position. We’ll look at your current situation, and help you define and clarify your goals.

By the end of the process you’ll understand where you stand financially, what you want to achieve, and which type of strategies you should be investigating. You won’t start looking at products until we know what you REALLY need.

It’s about your goals, not ours. We want you to achieve every one of your financial goals. We only suggest products which really suit your situation and budget, and not the ones which pay us the most. In fact, if we think you can get a better deal elsewhere we’ll tell you!

“We were enormously grateful for the help we received from Cogent” – Anne & Ian Belcher

To arrange your free, no obligation, initial assessment, or just to get some advice and see how we can help you give us a call on 01462 815095.
We’re a pretty friendly bunch!

Alternatively send us an email by clicking here – We’ll aim to answer your query within 24 hours.