1. Jeremy Allen
City/Town: King’s Lynn
Postal Code: PE30 1ES
Street Address: St. James’ Place 4 King Street
Country: UK
2. Options Mortgage Services
City/Town: Reading
Postal Code: RG6 1JG
Street Address: 6-8 Wokingham Rd
Country: UK
3. Taxwise Accountancy
City/Town: Bradford
Postal Code: BD8 8QX
Street Address: 7 Heaton Rd
Country: UK
4. Cotton & Son
City/Town: Weymouth
Postal Code: DT4 0AZ
Street Address: 1 Milton Rd
Country: UK
5. Mason’s Funeral Directors
City/Town: Weston-Super-Mare
Postal Code: BS23 3NN
Street Address: 47 Drove Rd
Country: UK
6. Chris French
City/Town: Herne Bay
Postal Code: CT6 5NG
Street Address: Christian House, 139 High St
Country: UK
7. The Mortgage Desk
City/Town: Halifax
Postal Code: HX1 2SH
Street Address: 17 King Cross St
Country: UK
8. Kevin Quinn IFA
City/Town: Coventry
Postal Code: CV4 9HT
Street Address: 6 Hudson Vale
Country: UK
9. Approved Mortgage Solutions – Darren Youll
City/Town: Sunderland
Postal Code: SR5 2TA
Street Address: Unit N1, Business & Innovation Centre
Country: UK
10. Turney & Associates Ltd
City/Town: Cambridge
Postal Code: CB1 2HS
Street Address: 5-7 Covent Garden
Country: UK
11. Jeremy Coltman Wealth Management
City/Town: Warminster
Postal Code: BA12 0JW
Street Address: 30a
Country: UK
12. Safety Horizon (South West) Ltd
City/Town: Bristol
Postal Code: BS8 3RA
Street Address: Leigh Court Business Centre, Pill Rd
Country: UK
13. PJL Financial Services Ltd
City/Town: Rugby
Postal Code: CV21 4PP
Street Address: Unit 9-11 The Locks
Country: UK
14. Benson Legal Services Ltd
City/Town: London
Postal Code: E15 1BZ
Street Address: City View House, 1, Dorset Place
Country: UK
15. Logikos Chartered Certified Accountants
City/Town: Croydon
Postal Code: CR0 0XZ
Street Address: Airport House 265 Purley Way
Country: UK
16. Hanbury Financial Planning
City/Town: Nottingham
Postal Code: NG7 1ND
Street Address: 3a Derby Terrace
Country: UK
17. Direct Lift Repair Services Ltd
City/Town: Manchester
Postal Code: M28 3BW
Street Address: 112a Bolton Rd
Country: UK
18. Dolphin Mortgage Advice Ltd
City/Town: Reading
Postal Code: RG6 7HY
Street Address: 462 Wokingham Rd
Country: UK
19. South Devon Accounting
City/Town: Newton Abbot
Postal Code: TQ12 6AL
Street Address: 6 Orchard Close
Country: UK
20. Thomas & Co Mortgage Advice Ltd
City/Town: Hinckley
Postal Code: LE10 1HN
Street Address: 11 New Buildings
Country: UK
21. Cushion Supplier Ltd
City/Town: Leigh-On-Sea
Postal Code: SS9 2QG
Street Address: 1538 London Rd
Country: UK
22. MTP Advisory Services
City/Town: Croydon
Postal Code: CR0 0XZ
Street Address: Airport House 265 Purley Way
Country: UK
23. Chris French
City/Town: Herne Bay
Postal Code: CT6 5NG
Street Address: Christian House, 139 High St
Country: UK
24. The Mortgage Desk
City/Town: Halifax
Postal Code: HX1 2SH
Street Address: 17 King Cross St
Country: UK
25. Kevin Quinn IFA
City/Town: Coventry
Postal Code: CV4 9HT
Street Address: 6 Hudson Vale
Country: UK
26. Approved Mortgage Solutions – Darren Youll
City/Town: Sunderland
Postal Code: SR5 2TA
Street Address: Unit N1, Business & Innovation Centre
Country: UK
27. Turney & Associates Ltd
City/Town: Cambridge
Postal Code: CB1 2HS
Street Address: 5-7 Covent Garden
Country: UK
28. Jeremy Coltman Wealth Management
City/Town: Warminster
Postal Code: BA12 0JW
Street Address: 30a
Country: UK
29. Safety Horizon (South West) Ltd
City/Town: Bristol
Postal Code: BS8 3RA
Street Address: Leigh Court Business Centre, Pill Rd
Country: UK
30. PJL Financial Services Ltd
City/Town: Rugby
Postal Code: CV21 4PP
Street Address: Unit 9-11 The Locks
Country: UK
31. Benson Legal Services Ltd
City/Town: London
Postal Code: E15 1BZ
Street Address: City View House, 1, Dorset Place
Country: UK
32. Logikos Chartered Certified Accountants
City/Town: Croydon
Postal Code: CR0 0XZ
Street Address: Airport House 265 Purley Way
Country: UK
33. Hanbury Financial Planning
City/Town: Nottingham
Postal Code: NG7 1ND
Street Address: 3a Derby Terrace
Country: UK
34. Direct Lift Repair Services Ltd
City/Town: Manchester
Postal Code: M28 3BW
Street Address: 112a Bolton Rd
Country: UK
35. Dolphin Mortgage Advice Ltd
City/Town: Reading
Postal Code: RG6 7HY
Street Address: 462 Wokingham Rd
Country: UK
36. South Devon Accounting
City/Town: Newton Abbot
Postal Code: TQ12 6AL
Street Address: 6 Orchard Close
Country: UK
37. Thomas & Co Mortgage Advice Ltd
City/Town: Hinckley
Postal Code: LE10 1HN
Street Address: 11 New Buildings
Country: UK
38. Cushion Supplier Ltd
City/Town: Leigh-On-Sea
Postal Code: SS9 2QG
Street Address: 1538 London Rd
Country: UK
39. Financial Options Ltd
City/Town: Newport Pagnell
Postal Code: MK16 8AR
Street Address: 11a High Street
Country: UK
40. White Oak Finance Ltd
City/Town: Bromley
Postal Code: BR2 9JF
Street Address: 7 Cobden Court, Wimpole Close
Country: UK
41. Central Mortgages (Essex) Ltd
City/Town: Brentwood
Postal Code: CM15 8LB
Street Address: 44 Hutton Road
Country: UK
42. Mortgage Advice Centre
City/Town: Lytham St. Annes
Postal Code: FY8 1QX
Street Address: 14 Park Road
Country: UK
43. Brooks Financial Consultancy Ltd
City/Town: Wokingham
Postal Code: RG41 1SG
Street Address: 24 Chesterfield Road
Country: UK
44. Portfolio Financial Consultancy Ltd
City/Town: Loughborough
Postal Code: LE11 1QJ
Street Address: 9 The Office Village, North Road
Country: UK
45. MCB Financial Services
City/Town: Edinburgh
Postal Code: EH2 3JG
Street Address: 99 Rose Street South Lane
Country: UK
46. Ability Financial Planning Ltd
City/Town: South Croydon
Postal Code: CR2 6JA
Street Address: 11 Avondale Road
Country: UK
47. Heritage Financial Advisers Ltd
City/Town: Chigwell
Postal Code: IG7 4QA
Street Address: 26 Pennyfields
Country: UK
48. Heritage Financial Advisers Ltd
City/Town: Salisbury
Postal Code: SP1 2DN
Street Address: 2A St. Ann Street
Country: UK
49. EWM Financial Management Ltd
City/Town: Birmingham
Postal Code: B4 6BH
Street Address: 3 Colmore Circus Queensway
Country: UK
50. Smith & Pinching Financial Services Ltd
City/Town: Norwich
Postal Code: NR2 1DN
Street Address: 1 Charing Cross Centre, St. John Maddermarket
Country: UK
Financial advising in England, UK, is a crucial service for individuals and businesses seeking to manage their finances effectively, plan for the future, and achieve their financial goals. The sector encompasses a wide range of services, from personal financial planning to corporate financial management. Here’s an in-depth look at financial advising in England.
1. The Role of Financial Advising
Financial advising involves providing expert guidance on various financial matters to help clients make informed decisions. Advisors assess clients’ financial situations, offer recommendations, and develop strategies to meet their financial objectives. The role is to optimize financial health, manage risks, and ensure long-term financial stability.
2. Types of Financial Advising Services
Financial advising services in England cover several key areas:
- Personal Financial Planning: This includes budgeting, saving, and planning for retirement. Advisors help individuals create a financial plan tailored to their goals, whether it’s saving for a house, education, or retirement.
- Investment Advice: Financial advisors provide guidance on investment strategies, asset allocation, and portfolio management. They help clients understand investment options and make decisions based on their risk tolerance and financial goals.
- Tax Planning: Advisors assist with tax-efficient strategies to minimize tax liabilities. This includes advice on tax reliefs, allowances, and structuring investments to optimize tax outcomes.
- Pension Planning: This involves planning for retirement through pensions and other savings vehicles. Advisors help clients choose appropriate pension schemes, assess their retirement needs, and ensure they are on track to achieve their goals.
- Estate Planning: Financial advisors help clients manage and plan for the distribution of their assets after their death. This includes wills, trusts, and inheritance tax planning.
- Insurance Advice: Advisors recommend insurance products to protect against financial risks. This includes life insurance, health insurance, and income protection.
- Corporate Financial Advisory: For businesses, financial advisors offer services such as financial strategy development, capital raising, mergers and acquisitions, and risk management.
3. Regulatory Framework and Standards
The financial advising industry in England is regulated by several bodies to ensure standards and protect consumers:
- Financial Conduct Authority (FCA): The FCA regulates financial advisors and firms to ensure they operate with integrity and in the best interests of their clients. Advisors must be FCA-authorized and adhere to its standards and guidelines.
- Chartered Financial Planner: This is a professional designation awarded by the Chartered Insurance Institute (CII) to advisors who meet high standards of knowledge and ethical practice.
- Certified Financial Planner (CFP): Offered by the Chartered Institute for Securities & Investment (CISI), this certification is recognized globally and signifies a high level of expertise in financial planning.
- Pensions Regulator: Oversees the regulation of pension schemes and ensures they comply with legal requirements and best practices.
4. Key Players in the Industry
The financial advising landscape in England features a mix of large firms, independent advisors, and specialist providers:
- Large Financial Institutions: Major banks and financial institutions like HSBC, Barclays, and Lloyds offer financial advising services as part of their broader range of financial products.
- Independent Financial Advisers (IFAs): Independent advisers provide unbiased advice across a wide range of financial products and services. They are not tied to any specific product providers, allowing them to offer impartial recommendations.
- Boutique Advisory Firms: Specialized firms offer tailored advice in specific areas, such as wealth management, retirement planning, or tax optimization. Examples include firms like Brewin Dolphin and Rathbones.
- Online Platforms: Digital platforms and robo-advisors like Nutmeg and Wealthify provide automated financial advising services, offering lower-cost options for clients seeking basic advice and portfolio management.
5. Trends and Developments in Financial Advising
The financial advising industry in England is experiencing several notable trends:
- Digital Transformation: The rise of technology has led to the growth of digital and robo-advisors. These platforms use algorithms and data analytics to provide financial advice and portfolio management, often at a lower cost than traditional advisors.
- Personalization: There is a growing demand for personalized financial advice tailored to individual needs and goals. Advisors are using data and analytics to offer more customized and relevant recommendations.
- Sustainable Investing: Interest in sustainable and socially responsible investing is increasing. Advisors are incorporating environmental, social, and governance (ESG) criteria into investment strategies.
- Regulatory Changes: Ongoing regulatory changes, such as the implementation of MiFID II (Markets in Financial Instruments Directive), are impacting how financial advice is delivered and disclosed, aiming to enhance transparency and protect investors.
- Holistic Financial Planning: Advisors are increasingly adopting a holistic approach, considering all aspects of a client’s financial life, including health, lifestyle, and personal values, to provide more comprehensive advice.
6. Challenges Faced by Financial Advisors
Financial advisors in England face several challenges in their profession:
- Market Volatility: Fluctuations in financial markets can impact investment performance and client expectations. Advisors must manage client concerns and adapt strategies accordingly.
- Regulatory Compliance: Navigating complex regulatory requirements and ensuring compliance can be challenging. Advisors must stay informed about changes in regulations and adjust their practices as needed.
- Client Expectations: Meeting diverse client expectations and providing tailored advice can be demanding. Advisors must balance client needs with market realities and financial constraints.
- Competition: The financial advising industry is competitive, with numerous firms and advisors vying for clients. Differentiating services and demonstrating value are essential for attracting and retaining clients.
7. Choosing a Financial Advisor
Selecting the right financial advisor is crucial for achieving financial goals. Consider the following factors:
- Qualifications and Experience: Look for advisors with relevant qualifications, certifications, and experience in your specific financial needs.
- Reputation and Reviews: Check client reviews and testimonials to gauge the advisor’s reputation and reliability.
- Fee Structure: Understand the advisor’s fee structure, whether it’s based on commissions, fees, or a combination. Ensure it aligns with your budget and expectations.
- Communication and Trust: Choose an advisor who communicates clearly and builds a trusting relationship. Open communication and mutual understanding are key to effective financial advising.
- Regulatory Compliance: Verify that the advisor is regulated by the FCA and adheres to industry standards and ethical practices.
Conclusion
Financial advising in England encompasses a broad spectrum of services designed to help individuals and businesses manage their finances effectively and achieve their goals. With a range of service providers, from large financial institutions to independent advisers and digital platforms, clients have access to diverse expertise and solutions. As the industry continues to evolve with technological advancements and changing client needs, financial advisors play a crucial role in guiding clients through complex financial landscapes and ensuring their long-term financial well-being.