Independent Financial Advice for Life's Big Decisions
Whether you’re planning for retirement, investing for your future or protecting your family or your business, I provide clear, technical advice that puts you first. Book a Free Initial Chat Now.
Independent Financial Advice for Life's Big Decisions
Whether you’re planning for retirement, investing for your future or protecting your family or your business, I provide clear, technical advice that puts you first.
Discover the Power of Independent Financial Advice
I provide clear, independent advice on retirement, investments, and protection. With jargon-free guidance tailored to your goals, I’ll help you plan confidently and build a financial future that works for you.
Retirement Planning
Retirement should be about enjoying life, not money worries. I’ll review pensions, explain income options, and combine old plans, creating a clear strategy that gives you confidence and peace of mind.
Investment Advice
Investing doesn’t have to be complex. I’ll help you understand risk, build a portfolio that suits your goals, and use tax-efficient options, keeping your money aligned with your plans.
Protection Planning
Protecting what matters most is essential. I’ll review your existing cover and guide you through options like life insurance, critical illness, and income protection, ensuring you and your loved ones are safeguarded.
Equity Release
If you’re over 55 and own your home, equity release could unlock funds. I’ll explain the options, risks, and benefits clearly, helping you decide if it’s the right step.
Long-Term Care
Planning for future care can feel overwhelming. I’ll help you understand costs, explore funding options, and create a strategy that protects your finances while giving peace of mind for you and your family.
Small Business
Balancing business and personal finances isn’t easy. I offer advice on protection, pensions, and tax-efficient profit extraction, helping you align business success with long-term personal goals and financial security.
Why Clients Choose To Work With Me
Choosing a financial adviser is a big decision, and trust matters. I combine independence with a personal approach, offering clear, practical guidance that fits real life. My goal is to help you plan confidently, without pressure or confusion.
Truly independent – access to the whole market
Clear, jargon-free advice at your pace
Tailored support for clients with £100k–£400k to plan with
Flexible service: ongoing advice or one-off support
Real-world solutions that work in practice, not just on paper
Customer testimonials
Hearing from others can make all the difference when choosing a financial adviser. My clients value the clear, practical guidance I provide and the confidence it gives them in planning for the future. From retirement and investments to protecting loved ones, these stories highlight the real impact of independent, jargon-free advice tailored to their goals.
Let's Plan Your Future Together
Meet Samantha: Your Trusted Financial Advisor
Hi, I’m Samantha Kmieciak, an independent financial adviser based in Bedford working with individuals, families, and small business owners across the UK.
I work with Aegis Financial Planning, a well-established advisory firm — but I run my own business under their umbrella, which means you’ll always get a personal, tailored experience with me.
Most of my clients are in their 50s and 60s — people who’ve built up some savings or pensions and want to make the most of them. But I also work with people in their 40s who are starting to plan ahead, and with small business owners who want advice for both their business and personal finances.
I pride myself on being approachable, ethical, and jargon-free. My goal is to make financial advice accessible, so that more people can make informed decisions about their money — without ever feeling pressured or confused.
Frequently Asked Questions
Choosing a financial adviser often comes with plenty of questions, and that’s a good thing. I believe in complete transparency, so here are answers to some of the most common queries new clients ask me.
Do I need to be rich to work with you?
Not at all. I typically work with people who’ve saved or invested around £100,000 or more — but I assess every case individually.
Are you tied to certain providers?
No, I’m completely independent. That means I can recommend what’s best for you from across the whole market.
What does the first meeting involve?
It’s a free, no-obligation chat to understand your goals and see if I can help. You’ll get clarity and next steps with no pressure.
How do you charge?
I offer transparent fees with no surprises. I’ll explain the cost clearly before any work starts.
Still have questions?
Contact Me
Ready to start planning for a brighter future?
Let’s have a free, informal chat to see how I can help.
Ready to start planning for a brighter future? Let’s have a free, informal chat to see how I can help.
You can contact me through the links below, or alternatively click on the buttons.
Email: sam@aegisfp.com
Phone: 07850 746939