Francine Kelly

Francine’s expertise spans a wide range of areas including investment and pension planning, tax efficiency, estate planning and protection solutions. A key element of her approach is the use of sophisticated cashflow modelling, which enables clients to clearly visualise their financial future. By exploring various scenarios, she can reverse-engineer a client’s financial plan and identify the steps needed to achieve their long-term objectives with clarity and confidence. 

Taking pride in adopting a holistic, family-focused approach, Francine considers not just the individual, but the wider family unit. Whether it’s planning for children’s education, supporting elderly parents, or facilitating intergenerational wealth transfer, she aims to ensure that every recommendation aligns with the client’s values, supports their lifestyle goals, and contributes to the financial wellbeing of their loved ones. 

Before joining The Private Office in 2022, Francine studied Economics at the University of Leeds, where she developed a strong foundation in financial theory and data analysis. Since entering the financial services industry, she has built on that academic background with hands-on experience.

Francine is working towards an Advanced Diploma in financial planning to become a Chartered Financial Planner. She is proud to be a finalist for the 2025 Women in Finance ‘Rising Star’ award, which recognises emerging talent and commitment to excellence in the profession. 

Outside of work, she is incredibly passionate about running and staying active. Francine has completed the Manchester Marathon and several half marathons over the past year and is always looking for the next challenge. She also enjoys hiking, finding it a great way to unwind and reconnect with nature. Travelling is another big passion of hers; she loves discovering new places, cultures, and cuisines and often combines her travels with active pursuits like trail running or mountain trekking.