Independent Financial Advice in Falmouth, Cornwall
Falmouth is one of Cornwall’s most vibrant and distinctive towns – a place where a strong sense of community, a rich maritime heritage, and a growing professional population combine to create a unique and rewarding place to live and work. But whether you’re a long-established Falmouth resident, a young professional who has recently made Cornwall your home, a business owner operating in the local economy, or someone approaching retirement after a lifetime of living by the sea, the financial challenges and opportunities you face are real – and getting the right advice can make an enormous difference to your long-term financial wellbeing.
David Medland is a Chartered Financial Planner who has lived in Falmouth for over ten years and has been advising clients across the town and the wider Cornwall area for the entirety of his financial planning career. David understands the local landscape – the property market, the prevalence of self-employment and seasonal business income, the particular considerations facing those retiring in Cornwall, and the growing number of families looking to put down lasting roots in the area. As a genuinely independent adviser with over 15 years’ experience, David offers the full range of financial planning services – from pension and retirement planning to mortgage advice, protection insurance, investments, equity release, and estate planning – all tailored to your individual circumstances and delivered with the personal, face-to-face service that only a truly local adviser can provide.
You deserve financial advice from someone who knows Falmouth as well as they know finance
Financial Planning Services Available in Falmouth & Across Cornwall
Pensions & Retirement Planning
Protection Insurance
Private Medical Insurance
Investments
Estate Planning & Intergenerational Wealth Transfer
Life in Falmouth, Cornwall - A Town Worth Planning Your Future Around
Falmouth is a town that genuinely has it all – and it’s easy to understand why so many people choose to put down roots here. Nestled on the southwestern tip of Cornwall at the mouth of the Fal estuary, Falmouth boasts one of the world’s largest natural harbours and a way of life that blends coastal beauty with a surprisingly rich cultural and commercial offering.
Pendennis Castle – One of Falmouth’s most iconic landmarks, Pendennis Castle stands proudly on the headland overlooking the harbour and the English Channel. Built by Henry VIII as part of a chain of coastal defences, it offers breathtaking views across the water and is a favourite destination for residents and visitors alike.
The National Maritime Museum Cornwall – Located on the waterfront in the heart of Falmouth, the National Maritime Museum Cornwall is one of the town’s most celebrated cultural attractions. With interactive exhibits, a world-class collection of small boats, and stunning views across the harbour, it is a cornerstone of Falmouth’s identity as a maritime town.
Falmouth Harbour & the Working Waterfront – The harbour remains central to life in Falmouth, from the busy marina and the famous Pendennis Shipyard – one of the leading superyacht refit facilities in the world – to the ferries that cross the estuary to the picturesque village of St Mawes. The waterfront buzz is something that makes Falmouth genuinely unique.
Gyllyngvase Beach & Swanpool Beach – Falmouth is blessed with some of Cornwall’s finest town beaches, with Gyllyngvase Beach – affectionately known as “Gylly” – being a particular favourite among locals and families. Swanpool Beach, just a short walk away, offers its own tranquil charm alongside a freshwater lagoon that is home to a range of wildlife.
The Moor & Falmouth Town Centre – The Moor is Falmouth’s central square and the beating heart of the town’s community life, hosting regular markets, events, and festivals throughout the year. The surrounding streets are filled with independent shops, galleries, and restaurants that reflect the town’s creative and entrepreneurial spirit.
Falmouth Art Gallery – One of the finest regional art galleries in the southwest, Falmouth Art Gallery holds an impressive permanent collection alongside a changing programme of exhibitions. It sits at the cultural heart of a town that has long had a strong artistic identity, bolstered by the presence of Falmouth University.
Falmouth University – The presence of Falmouth University – part of the University of Exeter Falmouth campus – brings a young, creative, and dynamic energy to the town. It has played a significant role in shaping Falmouth’s identity as a hub of creativity and innovation in Cornwall, and contributes meaningfully to the local economy.
Flushing & Mylor – Just across the estuary from Falmouth, the villages of Flushing and Mylor offer a quieter, quintessentially Cornish way of life within easy reach of the town. Mylor Harbour is particularly popular with sailing enthusiasts, while both villages are beloved by those looking for a more peaceful pace of life without sacrificing proximity to Falmouth’s amenities.
Penryn – Sitting just upstream from Falmouth along the Penryn River, the historic town of Penryn is one of Cornwall’s oldest boroughs and has seen significant regeneration and growth in recent years. Home to a growing community of creative businesses and young families, Penryn is very much part of the wider Falmouth catchment area that David serves.
The Kuggar & Helford River Area – For those who venture a little further afield, the Helford River and the villages of the Lizard Peninsula – including Helford, Gweek, and Constantine – offer some of Cornwall’s most spectacular scenery and a deeply rural way of life, while remaining within easy reach of Falmouth. David regularly advises clients across this wider area of the Lizard and south Cornwall.