Telford RankedIndependent rankings of local services in Telford
Assessment · financial advisers round financial-advisers-2026-09

CD Financial review

Ranked 1 of 10 in Financial advisers in Telford

Best overall financial adviser in Telford: clearest published fees with Shifnal face-to-face advice

Active

Trading as C D Financial Ltd · 4 Church Street, Shifnal, Telford, Shropshire, TF11 9AA · Service area: Telford, Shifnal

CD Financial in short

CD Financial is a Shifnal advice firm acting as an appointed representative of The Openwork Partnership, with a Chartered Financial Planner among its directors. Its fee pages are the clearest in this round: a fixed research fee, a percentage implementation scale, ongoing review rates and mortgage application fees, all with no VAT. In our view that openness is what sets CD Financial apart, alongside Shifnal meetings with home visits or video calls.

Customer reviews sit at five out of five on Google, and the firm's own client survey reports almost all clients would recommend it. The site names each adviser with role and photo, and contact runs by phone, email or form. The practice has traded from the same Shifnal address for over a decade, which speaks to stability. What counts against it is unpublished insurance detail, leaving one safeguard question open.

CD Financial reviews and ratings on other sites

Every public rating we hold for CD Financial, with the source, scale, count and the date we read it. These are customers' ratings, not ours.
SourceRatingReviewsRead on
Google5.0 out of 523

Our verdict

Our judgement: CD Financial suits you if you want to see advice costs in print before making contact, with Shifnal meetings, home visits or Teams calls. The fee pages are the clearest in this round and reviews sit at 5 out of 5. It counts against it that insurance details are not published, leaving one safeguard question open.

Score summary

Scored on the home trades rubric v2.0. Insufficient evidence takes the neutral value and is not shown as a low mark.

Composite score
72.4 / 100

Customer evidence C1 · weight 30%

72

Google 5 out of 5 from 23 reviews [5].

Qualifications and accreditations C2 · weight 25%

85

Financial Conduct Authority membership through The Openwork Partnership is listed on the business's own website [1]. Chartered Financial Planner status for the director is listed on the same site [1].

First-hand responsiveness C3 · weight 15%

Insufficient evidence

Insufficient evidence

Trading history C4 · weight 10%

80

On the Companies House record since 2013 [4].

Insurance and safeguards C5 · weight 10%

Insufficient evidence

Insufficient evidence

Pricing transparency C6 · weight 5%

90

A £495 fixed research fee, a 3%/1% implementation scale, 1%/0.75% ongoing review rates and £195/£495 mortgage application fees are published, with no VAT charged [2] [3].

Website and service information C7 · weight 5%

90

The site sets out planning and mortgage services for named client groups [1], gives the Shifnal office with phone, email and form [1], and publishes fee pages, team profiles and client stories [1] [2] [3].

Evidence

Every fact held for this provider, with its source and check date.
FactValueSourceRead
Limited company since2013Source companies-house

Industry qualifications

Sourced from the issuing registers, the business's own website and platforms such as Checkatrade and Which? Trusted Traders, on the date shown.

Strengths

  • You get the full fee picture before enquiring: a £495 fixed research fee, a percentage implementation scale, ongoing review rates and mortgage application fees, with no VAT charged [2] [3].

  • The site names each adviser with role and photo, states appointed-representative footing with The Openwork Partnership, and notes a Chartered Financial Planner director [1].

  • Customer evidence reads 5 out of 5 from 23 Google reviews, seen 4 September 2026, and the firm's 2024 survey reports 98% of clients would recommend it [1] [5].

Limitations

  • No insurance details are published [1] [2].

Response from the business

This business has not sent a response yet. Any response they send will appear here.

Verified customer reviews

Reviews from customers who showed us their invoice.

No verified reviews yet for this business.

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Questions about CD Financial

Is CD Financial any good?

On the evidence, yes for fee-conscious readers: it tops our Telford financial advisers table, holds five out of five on Google, and publishes the clearest fee pages in the round. The gap is unpublished insurance detail. Read the full review, then send your circumstances through the contact form for a tailored fee quote.

Is CD Financial FCA authorised?

Authorisation is stated on the firm's own site: it acts as an appointed representative of The Openwork Partnership, and a Chartered Financial Planner directorship is stated there too [1]. The register pages could not be searched directly for this round. Ask for the principal's details and check the name on the FCA register before sharing personal details.

What does CD Financial charge?

The site publishes a fixed research fee, a percentage implementation scale, ongoing review rates and mortgage application fees, with no VAT charged [2] [3]. That is more upfront detail than any other firm here. Confirm which fee applies to your case in writing, including what each review meeting covers, before advice starts.

Where does CD Financial work?

The firm meets clients at its Shifnal office and offers home visits or video calls as backup [1]. Readers across Telford and the surrounding villages sit inside its patch. Send your postcode with your enquiry to confirm arrangements, and say which meeting type suits you best.

How is CD Financial ranked?

It ranks first of the ten financial advisers in our September round, chosen as the best overall pick for published fees with face-to-face advice. It leads on pricing clarity and review strength, with insurance detail the one gap. Read the full review, then compare its fee pages with one other firm.

Others assessed for this trade

  1. Pensionlite69.7 / 100Ranked 2. Best for chartered pension transfer and retirement specialists.
  2. Croft & Oakes Chartered Financial Planners69.6 / 100Ranked 3. Best for chartered planners for pensions and investment advice.
  3. Paul Humphreys Credit Insurance Services69.6 / 100Ranked 4. Best for trade credit insurance for UK businesses.
  4. Dwello Mortgages69.4 / 100Ranked 5. Best for appointment-only mortgage advice with stated fees.

Sources

  1. CD Financial homepage — services, authorisation and contact Retrieved 4 September 2026.
  2. CD Financial financial planning fees — fixed fees and VAT position Retrieved 4 September 2026.
  3. CD Financial mortgage fees — application fees and VAT position Retrieved 4 September 2026.
  4. Companies House — C D FINANCIAL LTD overview (08440585) Retrieved 4 September 2026.
  5. Google Maps listing — CD Financial Ltd, Shifnal Retrieved 4 September 2026.

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