1. E S Mortgage Services
City/Town: Boston
Postal Code: PE21 8PU
Street Address: 10 Witham Bank West
Country: UK
2. Advanced I F A Ltd
City/Town: Sunderland
Postal Code: SR6 9BW
Street Address: 63-65 Sea Rd
Country: UK
3. RockWealth
City/Town: Cheltenham
Postal Code: GL50 1QB
Street Address: 3 Imperial Square
Country: UK
4. Chris French
City/Town: Herne Bay
Postal Code: CT6 5NG
Street Address: Christian House, 139 High St
Country: UK
5. J.A Morgan & Partners
City/Town: Leighton Buzzard
Postal Code: LU7 4RS
Street Address: 40 Turnham Drive
Country: UK
6. Midas Financial Planning
City/Town: Kidderminster
Postal Code: DY10 1BB
Street Address: 10 Oxford St
Country: UK
7. Kevin Fletcher Financial Management
City/Town: Retford
Postal Code: DN22 8NQ
Street Address: Paddock View Folly Nook Lane
Country: UK
8. Kevin Quinn IFA
City/Town: Coventry
Postal Code: CV5 7AT
Street Address: 330 Broad Lane
Country: UK
9. Dag Financial Solutions Ltd
City/Town: Dartford
Postal Code: DA1 1DJ
Street Address: 31 High St
Country: UK
10. Arthur Daniels & Co
City/Town: Fareham
Postal Code: PO16 0HZ
Street Address: 227a West St
Country: UK
11. Cubed Property Advisors Ltd
City/Town: Chorley
Postal Code: PR6 9JL
Street Address: 145 Chorley Rd
Country: UK
12. Interfinancial
City/Town: Market Drayton
Postal Code: TF9 4HP
Street Address: The Brookhouse, Smithy Lane
Country: UK
13. Michael Harwood & Co
City/Town: Warwick
Postal Code: CV34 4EW
Street Address: Greville House, 10 Jury St
Country: UK
14. Primary Financial Solutions
City/Town: Southampton
Postal Code: SO32 1HJ
Street Address: Unit D Meadow View Business Park, Winchester Rd
Country: UK
15. Quilter Financial Advisers
City/Town: Manchester
Postal Code: M2 2EE
Street Address: 5th Floor, Fountain House
Country: UK
16. Hannah Cowell IFA
City/Town: Ashby-De-La-Zouch
Postal Code: LE65 2UR
Street Address: 102 Bishop Hall Rd
Country: UK
17. Jeremy Coltman Wealth Management
City/Town: Warminster
Postal Code: BA12 0JW
Street Address: 30a High St
Country: UK
18. PJL Financial Services Ltd
City/Town: Rugby
Postal Code: CV21 4PP
Street Address: Unit 9-11 The Locks
Country: UK
19. Kevin Benstead IFA
City/Town: Leighton Buzzard
Postal Code: LU7 1AZ
Street Address: 124 High St
Country: UK
20. David Waters Financial Planning Consultant
City/Town: York
Postal Code: YO1 9SA
Street Address: 11 Tower St
Country: UK
21. Warren Wealth Limited
City/Town: Solihull
Postal Code: B91 1ES
Street Address: 50 Beechwood Park Rd
Country: UK
22. Bizlaw U.K.
City/Town: Pinner
Postal Code: HA5 1BN
Street Address: Avenue House, 63 West End Avenue
Country: UK
23. Ashmore Surveyors Ltd
City/Town: Nuneaton
Postal Code: CV11 4JJ
Street Address: Unit 9 Albion Court, 94 Attleborough Rd
Country: UK
24. Blackwell Bate Ltd
City/Town: Saltash
Postal Code: PL12 6JW
Street Address: 122 Fore St
Country: UK
25. Peacock Financial Management Ltd
City/Town: Gateshead
Postal Code: NE11 0HW
Street Address: 22-24 Kingsway House, Kingsway
Country: UK
26. Ashley Smith Wealth Management
City/Town: Ulverston
Postal Code: LA12 7JE
Street Address: 14 Ainslie St
Country: UK
27. John Dixon & Associates Ltd
City/Town: Gloucester
Postal Code: GL1 2SF
Street Address: 8 Saint Oswalds Rd
Country: UK
28. Prospect Financial Planning
City/Town: Henley-on-Thames
Postal Code: RG9 2AU
Street Address: The Old Bank, 12-14 Hart St
Country: UK
29. Prosperity Wealth Ltd
City/Town: Dudley
Postal Code: DY1 1EJ
Street Address: The Old Courthouse, 1 Priory St
Country: UK
30. Pennine Wealth Management Ltd
City/Town: Carlisle
Postal Code: CA1 1DB
Street Address: 58 Broad St
Country: UK
31. Simon Bonney Financial Services
City/Town: Exeter
Postal Code: EX4 7AD
Street Address: 50 Mount Pleasant Rd
Country: UK
32. Clarus Wealth Ltd
City/Town: Wendover, Aylesbury
Postal Code: HP22 6DU
Street Address: 5 High St
Country: UK
33. Applewood Wealth Management Ltd
City/Town: Chester
Postal Code: CH1 1LF
Street Address: 27 Eastgate Row N
Country: UK
34. Chaplin Farrant Wiltshire Ltd
City/Town: Gloucester
Postal Code: GL1 3HF
Street Address: 50 London Rd
Country: UK
35. Grainger Financial Ltd
City/Town: Middlesbrough
Postal Code: TS1 4AD
Street Address: Unit 2E Borough Rd
Country: UK
36. Meridian Wealth Management
City/Town: Whitby
Postal Code: YO22 4AS
Street Address: 85 Church St
Country: UK
37. Aspire Financial Services
City/Town: Newcastle upon Tyne
Postal Code: NE6 1JW
Street Address: 36 Diamond St
Country: UK
38. Compass Financial Management
City/Town: Blyth
Postal Code: NE24 1BD
Street Address: 2A Bowes St
Country: UK
39. Oakwood Financial Planning
City/Town: Frodsham
Postal Code: WA6 6QF
Street Address: 22 Church St
Country: UK
40. Sanderson Young Wealth Management
City/Town: Newcastle upon Tyne
Postal Code: NE3 1JZ
Street Address: 26 High St, Gosforth
Country: UK
41. Foxhall Wealth Management
City/Town: Worthing
Postal Code: BN14 7RA
Street Address: 11-13 St Thomas Rd
Country: UK
42. Portafina Financial Planning
City/Town: Ashford
Postal Code: TN24 8LF
Street Address: Suite 5, 21 North St
Country: UK
43. Rawlings & Co. Wealth Management
City/Town: Stamford
Postal Code: PE9 2DL
Street Address: 25 St Mary’s St
Country: UK
44. Sovereign Financial Planning
City/Town: Farnham
Postal Code: GU9 7HR
Street Address: 3 Castle St
Country: UK
45. Cornhill Financial Planning
City/Town: Stamford
Postal Code: PE9 2BH
Street Address: 47 St Paul’s St
Country: UK
46. Vantage Wealth Management Ltd
City/Town: Darlington
Postal Code: DL3 7AJ
Street Address: 42 Duke St
Country: UK
47. Franklin Financial Services
City/Town: Chester
Postal Code: CH1 1EE
Street Address: 55 Eastgate St
Country: UK
48. Azure Financial Solutions
City/Town: Bristol
Postal Code: BS1 1NG
Street Address: 28 Baldwin St
Country: UK
49. Cavendish Asset Management
City/Town: Plymouth
Postal Code: PL1 3AD
Street Address: 26 The Crescent
Country: UK
50. Omega Financial Planning
City/Town: Sutton Coldfield
Postal Code: B73 5UY
Street Address: 15 Boldmere Rd
Country: UK
Pension and Financial Advisers in England, UK: A Comprehensive Overview
Pension and financial advisers play a critical role in helping individuals and businesses manage their finances, plan for the future, and secure their financial well-being. In England, the financial advisory industry is highly regulated, and advisers offer a wide range of services to meet the diverse needs of their clients. This article provides an in-depth look at pension and financial advisers in England, discussing the various types of advice available, the regulatory landscape, the importance of financial planning, and how to choose the right adviser for your needs.
Types of Financial and Pension Advice
Pension and financial advisers offer a wide array of services, each tailored to different aspects of personal and business financial planning. Some of the most common types of financial advice include:
- Pension Advice: Pension advisers specialize in helping individuals plan and manage their retirement savings. They assist clients in selecting the right pension scheme, advising on how much to contribute, and ensuring that clients can achieve their retirement goals.
- Retirement Planning: Advisers help clients understand how much they need to save to maintain their desired lifestyle in retirement. This involves assessing income requirements, pension contributions, and other retirement savings options.
- Pension Transfers: If individuals are moving jobs or have multiple pensions, advisers help them decide whether to consolidate pensions or transfer them to a more advantageous scheme.
- State Pension Advice: Advisers guide clients in understanding their state pension entitlement and how it fits into their overall retirement plan.
- Pension Pot Growth: Advice on choosing investments within pension pots to maximize growth while managing risk.
- Investment Advice: Investment advisers provide guidance on managing investments, such as stocks, bonds, and funds, to grow wealth and meet long-term financial goals. They work with individuals and businesses to develop tailored investment strategies, taking into account risk tolerance, time horizon, and financial objectives.
- Portfolio Diversification: Financial advisers often recommend diversifying investment portfolios to spread risk and increase the potential for growth.
- Retirement Investments: Many pension plans offer a variety of investment options. Financial advisers help clients choose investments that align with their risk profile and retirement timeline.
- Tax Planning and Efficiency: Financial advisers assist clients in minimizing their tax liability through various strategies, such as tax-efficient investment planning and the use of ISAs (Individual Savings Accounts), pensions, and other government-approved schemes.
- Inheritance Tax Planning: Advisers help clients mitigate the impact of inheritance tax through careful planning, including trusts and gifts.
- Tax-Efficient Investments: Recommendations for investments that offer tax benefits, such as Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCTs).
- Financial Planning for Major Life Events: Financial advisers also provide advice on managing finances during significant life events, such as buying a home, getting married, starting a family, or paying for education. They help clients assess how to balance immediate financial needs with long-term goals.
- Debt Management: For individuals struggling with debt, financial advisers can help create a strategy to manage and reduce debt. They may offer advice on consolidating loans, negotiating repayment terms, and prioritizing high-interest debts.
- Business Financial Advice: Business owners also seek financial advice for their businesses, particularly for areas such as tax planning, pension schemes for employees, business valuations, mergers and acquisitions, and cash flow management.
- Auto-enrolment Pensions: Financial advisers assist businesses with setting up and managing auto-enrolment pension schemes for employees as per UK regulations.
- Business Protection: Advisers help businesses plan for unforeseen events, such as the death or illness of a key director, ensuring the financial stability of the company.
Regulatory Framework for Pension and Financial Advisers in the UK
The financial advisory industry in the UK is regulated by several authorities to ensure that advisers act in the best interests of their clients. The key regulatory bodies include:
- The Financial Conduct Authority (FCA): The FCA is the primary regulatory body overseeing financial advisers in England. It ensures that financial advisers meet high standards of professionalism, transparency, and competence. All financial advisers must be authorized and regulated by the FCA.
- The Pension Regulator: This body oversees pensions and works to protect pension scheme members. Pension advisers must adhere to the regulations set out by The Pension Regulator to ensure that pensions are managed in accordance with the law.
- The Chartered Insurance Institute (CII): This professional body provides qualifications and promotes standards in the financial services industry. Financial advisers who are members of the CII or have CII qualifications demonstrate a commitment to high standards of expertise and ethical behavior.
- The Institute of Financial Planning (IFP): The IFP is another key organization that focuses on professional development for financial planners. Membership of the IFP indicates an adviser’s dedication to comprehensive, holistic financial planning.
Importance of Financial Planning
Financial planning is essential for individuals to secure their financial future. Whether saving for retirement, investing for wealth growth, or managing debts, effective planning helps individuals achieve their financial goals and avoid financial pitfalls. Here’s why financial planning is so important:
- Peace of Mind: A well-structured financial plan provides peace of mind, knowing that individuals have taken proactive steps to achieve their goals and manage risks.
- Retirement Security: Financial planning, particularly pension planning, helps ensure that individuals are saving enough to maintain their lifestyle during retirement. This includes ensuring that individuals are taking full advantage of tax-efficient pension schemes and other retirement-saving vehicles.
- Managing Cash Flow: A good financial plan helps businesses and individuals manage their income and expenses, ensuring that they are living within their means and have sufficient savings for emergencies.
- Maximizing Investment Returns: Effective financial planning can help individuals and businesses make better investment decisions, ensuring that they are balancing risk and return to meet their objectives.
- Risk Management: Financial advisers help individuals and businesses identify potential financial risks, such as illness, job loss, or market downturns, and provide strategies to mitigate those risks, whether through insurance or diversified investments.
- Tax Efficiency: Financial advisers assist in structuring financial assets and income in a way that minimizes tax liability, thereby maximizing the resources available for investment or savings.
How to Choose the Right Pension or Financial Adviser
Selecting the right pension and financial adviser is crucial for ensuring that you receive sound, personalized advice. Here are some key factors to consider when choosing an adviser:
- Qualifications and Credentials: Ensure that the adviser is regulated by the FCA and holds recognized qualifications, such as Chartered Financial Planner status or certifications from professional bodies like the CII.
- Experience and Specialization: Some financial advisers specialize in particular areas, such as pensions or tax planning. Ensure that the adviser you choose has experience relevant to your specific needs.
- Fee Structure: Financial advisers can charge in several ways, including hourly rates, fixed fees, or percentage-based fees on assets under management. Make sure you understand how the adviser charges and that their fees align with your budget and expectations.
- Personal Compatibility: A financial adviser is someone you’ll likely work with for an extended period. It’s important to choose an adviser with whom you feel comfortable and trust to act in your best interests.
- Reviews and References: Consider asking for referrals from family, friends, or colleagues who have worked with financial advisers. Online reviews and testimonials can also provide insight into an adviser’s reputation and effectiveness.
Conclusion
Pension and financial advisers in England provide essential services that help individuals and businesses manage their financial futures. They offer expert guidance in retirement planning, investment management, tax efficiency, and risk management. With a regulated and well-structured advisory system, financial advisers are required to meet high standards of professionalism, ensuring that clients receive trustworthy, competent, and impartial advice. Choosing the right adviser can significantly improve an individual’s financial outlook, whether for securing a comfortable retirement, managing a business’s finances, or planning for major life events. By understanding the services offered, the regulatory framework, and how to select an adviser, individuals can take control of their financial future with confidence.