Located in Sevenoaks, Citrus Financial provides valuable financial planning and mortgage advice to every generation across the South East.

Established in 2002 by David Braithwaite, BBC Radio Kent’s regular guest financial expert, Citrus Financial has grown to become an established and important presence in the financial advice profession.

What makes us different is our exceptional customer service, combined with the local knowledge, expertise, and dedication of our team.

We pride ourselves on our friendly and caring approach and in being able to deal with a huge range of financial matters, no matter how complex. Naturally our team have a whole host of qualifications, but just as importantly, they have the ability to listen to you and understand your goals. Only once they’ve understood your needs can they put their qualifications to work.

To see how we can help you make more of your wealth please contact us for a free initial consultation.


Investing for your future

Planning for the perfect retirement

Taking control of your pensions

Buying a home or remortgaging

Protecting you and those you love

Passing on your wealth to your loved ones

Looking after your wealth through divorce

Insuring your home from the unexpected

Private Medical Insurance


In perfect world, your financed are sorted. In a perfect world, you have the time and energy to think about your finances and the expertise to make the best of them. But it’s not a perfect world. We all know that financial planning is something that everyone should do but most don’t. It’s easy to push aside, to think about it later. And later never comes, because finances are boring, scary, or just plain confusing.

We Can Help


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*To make sure we continue to provide excellent service we send a survey to each of our clients after we’ve helped them.

We ask them to describe our service in one word.


Inflation has fallen. Is it enough for an interest rate cut?

Welcome to Citrus Bites, our monthly video covering the latest economic news for investors. This month, This month Richard Harris dives into the...

Citrus Mortgage Bites: Stick or Twist – Should You Wait for Rates to Drop?

https://youtu.be/kjr6J_B3BQM Welcome to Citrus Mortgage Bites, our monthly video covering all things mortgages. This month, Holly and Richard tackle a...

We’re finalists for the Money Marketing Awards 2024!

Citrus Financial is thrilled to be shortlisted as a finalist for the ‘Small advice firm of the year’ at the prestigious Money Marketing...


Over the last decade our client focused and knowledgeable approach to financial advice has led to us becoming a trusted voice.

David is regularly called upon for expert comment and opinion across multiple media channels.

Your 4 STEP ADVICE Journey

This is the four step journey we will go on together which makes sure you receive the quality of advice you deserve. After all, it’s all about you.


By gathering information from you we will find out about any plans you already have in place.

Then by exploring your hopes and aspirations, your attitude to risk and return, we will build a picture of what you want to achieve.

At this stage you will find out what to expect from us and how you will benefit from using us.

We do not usually charge a fee for this stage.

We’ll explore and research various scenarios to make the best use of your existing plans.

We’ll then recommend how you can build on your existing plans so you give yourself the best chance of achieving your goals.

Like most of our clients, you will probably prefer us to do the necessary work to put your plan into action. We will work on your behalf with the provider or lender. This will save you a lot of time and effort and ensure your plans are set up correctly. We will charge you a fee for doing this, which we will explain to you.

Alternatively, you may decide to implement our recommendations yourself, in which case we just charge you for our time and advice.


Nothing stands still, so it makes sense to check the progress and appropriateness of your plans regularly. We suggest you do this annually. This way you will find out if your plans are affected by changes to legislation or taxation.

You will also hear from us if we have something that we feel will interest you.

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Citrus Financial Management Ltd

For detailed information about our services and costs please read our Terms of Business and our Customer Privacy Policy. The guidance and/or information contains within this website is subject to UK regulatory regime and is therefore targeted at consumers based in UK.

Citrus Financial is a trading style of Citrus Financial Management Ltd, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Citrus Financial Management Ltd is registered in England & Wales No.04618393. Registered office: 2nd Floor Watermill House Chevening Road, Chipstead, Sevenoaks, Kent, England, TN13 2RY

Approver Quilter Financial Services Limited & Quilter Mortgage planning Limited 12/07/2023

Website Designed By Tranwell Media 

Sevenoaks Head Office

Second Floor

Watermill House

Chevening Road



Kent, TN13 2RY

Polgate Office

The Old Bank

59 High Street


East Sussex

BN26 6AH