Whatever stage you're at, we help you with your next step.
Designing tomorrow’s income, today.
Independent Mortgage, Protection & Financial Advice
Most financial advice starts with a product.
We start with a question: what future are you building towards?
Whatever that looks like, your mortgage, protection, pensions, investments and property can all play a part in getting you there.
We're an independent, FCA-authorised firm that helps you turn them into one plan with a clear destination - not just a collection of accounts.
Independent, FCA-authorised advisers Designing Tomorrow’s Income, Today.
Where do you need to start?
-
Mortgages
Buying, moving, remortgaging or investing? Get whole-of-market mortgage advice built around your plans, not just the headline rate.
-
Protection
Protect what matters with clear, practical cover designed to keep your finances and wider plans on track if life takes an unexpected turn.
-
Wealth
Build pensions, investments and retirement plans around the income you want your money to produce, so your future feels more certain.
Good financial planning
isn’t about having more products.
It’s about making your money support the lifestyle you actually want.
The Turkington Davis difference
TD Insight 💡
Wealth is a building block. Income is the outcome.
Choice is the reason.
Most financial content talks about growing your wealth. Fewer ask what that wealth is actually for.
Your mortgage,
Your pension,
Your investments,
Your protection
Each is a piece of a bigger plan.
On their own, they're just accounts and policies.
Together, with a clear purpose, they become Income Architecture: a plan built backwards from the future income and choices you actually want, rather than forwards from whatever products you happen to hold.
We bring this approach - Future Income Planning - to every conversation we have with you, whichever door you came in through.
Built for business owners too
If you run a business, your numbers can look strong while your personal position quietly stands still.
TD Insight 💡
Business success and personal financial independence are not automatically the same thing.
Together, we look beyond this month's profit at what you're deliberately building outside the business - and what would happen to your income if the business stopped paying you tomorrow.
1. A conversation.
No cost, no obligation. We listen before we recommend anything.
2. A clear picture.
We look at what you already have - pensions, property, protection, cash - and what role each currently plays.
3. A plan with a destination.
Recommendations built around the future income you're actually working towards, not a product checklist.
4. Reviewed, not forgotten.
Plans are revisited as your life, business and markets change.
How we work
Why work with us
Independent advice, built around you
You’re working with an independent, FCA-authorised firm. We’re not tied to one provider or a restricted panel, so our recommendations are based on your circumstances, goals and what is genuinely right for you.
Local when you want us. Flexible when you don’t.
We’re based in Belfast and work with clients across the UK. Meet us face-to-face or deal with everything online - whichever works best for you.
Real-world experience behind the advice
Turkington Davis is led by Nick Turkington, with nearly 20 years’ experience in business alongside hands-on experience in property and investing. That means we understand that financial decisions rarely sit neatly in isolation - your mortgage, business, property, investments and future plans often overlap.
One plan, not a collection of products
We look at the bigger picture, helping you make today’s financial decisions with the income and life you want tomorrow in mind.
Ready to talk about your future?
Book a short, no-obligation conversation.
We'll listen first - there's no pressure and no assumption you need to decide anything today.
Questions Answered
FAQ: You might be wondering?
-
We provide independent mortgage advice, protection advice and financial planning - including pensions, investments and retirement planning - for individuals, families and business owners across the UK.
Rather than treating these as separate products, we look at how they work together to build the future lifestyle you want.
-
No.
Many people start with one clear need - a mortgage, a pension query, protection for their family - and that's a perfectly good place to begin.
We'll help you see how it connects to the wider picture if that's useful.
-
Talk to us before you start house-hunting, not after.
We'll help you understand what you can realistically borrow and what schemes might apply to you, so you're looking at the right properties from day one.
-
Often, yes - workplace cover is usually less than people assume, and it stops the day you leave your job.
We'll help you see what you'd actually be left with, and whether it's enough.
-
Yes, if you want to know whether it's actually on track.
Many people have pensions from previous jobs they've lost track of, or don't know if what they're saving is enough for the retirement they want.
-
Yes.
There's no cost or obligation to have an initial conversation with us.
-
Yes - this is a significant part of what we do.
Business owners often face more complex income and planning questions, particularly around what happens personally if the business stops performing or paying them.
-
We look at your business and personal finances together, not in isolation - including what would happen to your income if the business stopped paying you.
The Profit-to-Income Scorecard is a free way to see where you stand in under 3 minutes.
-
No.
We're based in Belfast but work with clients across UK, in person or via video call.
