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Francis Gill

Chief Executive Officer (CEO)

  • +44 (0)203 031 9187
  • francis@humboldtfinancial.co.uk
  • 33 Swan House, Queen St, London, EC4R 1AP (Appointment Only)

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  • Diploma in Regulated Financial Planning
  • Certificate in Mortgage Advice
  • LLB Law
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Francis Gill is the CEO of Humboldt Financial and an independent financial adviser based in central London. With over two decades of experience, he specialises in helping clients navigate the complexities of wealth management, ensuring their money works harder for them. His expertise spans investments and savings, pensions, retirement income strategies, pension transfers, inheritance planning, and insurance protection.

Francis works with a diverse client base, including legal professionals, banking executives, and entrepreneurs. Whether advising on investment opportunities or assisting with retirement planning, he provides clear, strategic guidance tailored to each client’s financial goals.

At Humboldt Financial, Francis and his team focus on delivering tax-efficient solutions, helping clients secure their financial future. He offers advice on pension contributions, annuities vs. drawdown strategies, pension transfers, and inheritance tax planning, ensuring individuals make informed decisions that maximise their wealth.

Beyond finance, Francis enjoys exploring London’s parks with his puppy, Lucy, travelling to new destinations, and indulging his passion for reading. He also has a quirky talent for drawing and even writing, ǝpısdn uʍop.

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Investments and Savings

Get help generating a better return on your savings, with a full range of investment options which could include equities, funds, bonds and alternative investments.

Pensions

Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one.

Retirement income

Get help understanding and evaluating annuities vs. drawdown, or discussing the other available retirement income options for you.

FAQ

From a CEO’s perspective, what do you think makes a truly great financial adviser stand out?
A truly great adviser in the UK market stands out by: – Clarity and transparency – no hiding behind technical language. The best advisers explain complex matters like pension drawdown rules, CGT allowances, or the Lifetime ISA in a way anyone can understand. – Focusing on the client’s “why” – understanding the real purpose behind the numbers, whether that’s helping children onto the property ladder or ensuring a comfortable retirement without fear of running out of money. – Blending tech with trust – using online tools for convenience, but ensuring every client feels listened to and cared for, not just “processed.” – Proactivity – staying ahead of changes to things like UK tax allowances, State Pension entitlements, or the Financial Conduct Authority’s Consumer Duty rules, and helping clients adapt in good time.
When I launched Humboldt Financial, my aim was to shake up what can sometimes feel like a very traditional, even old-fashioned, corner of the UK financial advice sector. I wanted to make high-quality, regulated financial planning accessible, jargon-free, and welcoming — especially to people who might have thought advice was “only for the wealthy” or “something you do later in life.” Over time, the vision has evolved. We’ve embraced digital meetings, allowing us to serve clients across the country without losing the personal touch. We’ve combined this with a strong commitment to holistic financial planning, covering everything from pensions and ISAs to inheritance tax and protection planning. In short, we’ve modernised the experience while keeping the human connection at the heart of it.
For me, the reward is twofold. First, it’s seeing clients gain peace of mind—whether that’s finally sorting out a will, putting the right life cover in place, or building a tax-efficient retirement plan. There’s nothing better than a client saying, “I can finally sleep at night knowing this is sorted.” Second, it’s about leading a team that genuinely cares. In the UK advice space, reputation is everything, and when clients take the time to say we’ve been proactive, knowledgeable, and acted in their best interests, it makes all the work worthwhile. At the end of the day, we’re not just managing money—we’re helping people across the UK make confident decisions
Think less “stuffy boardroom,” more “team of clever, friendly problem solvers with the kettle always on.” We work collaboratively, share ideas freely, and genuinely care about doing right by our clients. There’s a proper mix of professionalism and good humour because talking about money doesn’t have to feel like a trip to the dentist.

Connect with Francis Gill

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The Financial Conduct Authority does not regulate will writing, taxation and trust advice and some forms of Buy to Let mortgages. If you wish to register a complaint, please email louise.bliss@humboldtfinancial.co.uk. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Humboldt Financial Limited is a FCA regulated company (reference 826457) https://register.fca.org.uk/

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