VouchedFor's 2020 Guide to the UK's Top Rated Financial Advisers - Guiding you through life's financial decisions
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
B R O U G H T TO YO U B Y DISTRIBUTED IN
VouchedFor’s 2020 Guide to the
UK’s Top Rated Financial Advisers
Guiding you through life’s financial decisions
2 DISTRIBUTED IN
INFO
DOS
DO ASK FOR DO YOUR OWN DO SHOP AROUND DO UNDERSTAND WHETHER
DOS AND DON’TS RECOMMENDATIONS
A good starting point in finding a
DUE DILIGENCE
You wouldn’t hire a builder or a
You might need to talk to a lot of
firms or individuals before you
ADVICE IS RESTRICTED
Decide on either a restricted
Everyone could do with some expert find the right one. Shortlist three adviser, who recommends only
financial adviser is to ask a friend, plumber without doing a bit of
help at some stage, perhaps to reach family member or colleague if research, so do some homework to see if one stands out in certain types of products or a
a secure level of income in retirement, they can recommend someone. on your adviser before committing experience, service, cost and range from a limited number of
buy life insurance or leave a legacy. Word of mouth can go a long way to them. Check independent client qualifications. Take advantage of providers, or a fully independent
But choosing a financial adviser is not when navigating the world of reviews and look out for free introductory meetings – and adviser who will recommend
a decision to take lightly – so here are financial planning. consistently positive feedback. go to them armed with questions. products from across the market.
some tips to help you on your way.
Planning more vital
in uncertain times
Understanding your options is key to making the right decisions and protecting your
money. That’s why finding a good financial adviser has never been more important
a financial planning review come that this burden has been lifted by
David Prosser out of the process with a very a qualified professional working
For our positive view of advice and more in their best interests.”
W
confidence about their future.” In uncertain times, when
ould you buy a house clients, The evidence supports this view. everything from Brexit to climate
without consulting a VouchedFor, the free service that change makes it difficult to work
professional solicitor? financial helps people find and check out what lies ahead, this support
Or treat a nasty financial advisers who have been is even more crucial, says Kevin
illness without talking to a affairs are vetted against stringent criteria and Mullins, the founder of Landmark
doctor? When it comes to the rated by clients, reports remarkably IFA. “An adviser brings the ability
serious issues in life, most people second only high levels of satisfaction among to help you identify and quantify
depend on experts to help them users. The 128,000 clients who have your key objectives – and then to
make the right decisions – and to health provided reviews through the work towards those objectives in
planning the financial future of service give advisers an average a structured and logical way.”
you and your family should be no rating of 4.8 out of five; 91 per cent The FCA is reviewing how it
different. of them would recommend organises the financial advice
Yet a remarkable number of VouchedFor to friends and family. market so understanding the types
Britons fail to seek specialist No wonder. Financial advisers of advice available is important.
counsel. Research published in have a track record of helping Broadly, experts fall into two
2018 by the Financial Conduct individuals improve their financial categories: “independent” or “whole
Authority (FCA), the UK’s chief position. One study, by the of market” advisers, who review
COVER ILLUSTRATION: ADAM SIMPSON FOR THE BRIDGE STUDIO,, GETTY
financial watchdog, found fewer International Longevity Centre, financial products from across the
than one in ten had taken found that people taking financial whole market without influence
regulated financial advice in advice over a ten-year period saw from product providers; and
the previous 12 months. More their wealth grow by an average of “restricted” or “limited” advisers,
than 46 million adults hadn’t more than £47,000 in subsequent who focus on one type of financial
seen a professional adviser, the years, compared with non-advised product or work with only a limited
FCA said, including more than people. Significantly, less well-off number of providers. Generally,
18 million with £10,000 or more people secured more value – those those who offer investment advice,
in savings and investments. just getting by saw their wealth even if they also offer mortgage
Andrew Day, a director and increase by 24 per cent after taking advice, will identify as a financial
chartered financial planner at professional advice, compared with adviser. Whereas advisers who
Depledge Strategic Wealth an 11 per cent increase among more only offer mortgage advice, or only
Management, believes many affluent groups. mortgage and protection advice,
people have the wrong idea about Jane Newman, who runs Jane will identify as a mortgage adviser
financial advice. “People think Newman Financial Planning, says or mortgage broker.
advice will be very costly, that this sort of support can be life Crucially, all advisers must have
it’s only for the wealthy or it will changing. “For our clients, their the right qualifications for their
involve taking on too much risk,” financial affairs are second only role and must tell you upfront how
he says. “The reality is very in importance to their health,” she they will work on your behalf.
different. The overwhelming says. “Good quality advice should They should also make it crystal
majority of people who commit to provide them with peace of mind clear how they will charge.
INFO
WHEN MIGHT YOU NEED ADVICE The idea that financial advice is only for hugely wealthy people making sophisticated investment
decisions is a common misconception. In practice, it can be beneficial throughout life
• Buying a home • Starting a family •S
tarting investing •S
tarting a business
A mortgage adviser can help you work An adviser can help you adjust to When you want to begin saving for the An adviser can help you put your new
out how much you can afford to spend on changing circumstances, including future, an adviser can help with working venture on a solid financial footing, while
a property, what level of repayments will putting money by for your children’s out how to balance your attitude to risk also ensuring your family finances are in
be affordable and which lenders offer the future and taking out protection, such against your financial objectives for the good shape when you may be struggling
best deals for you. as health and life insurance. short, medium and longer term. to get the business off the ground.
BROUGHT TO YOU BY 3
DON’TS
DON’T USE A DODGY FIRM DON’T IGNORE YOUR GUT DON’T MAKE YOUR CHOICE DON’T PROCEED UNTIL YOU’RE DON’T FORGET TO DOUBLE
Check your chosen firm is listed on Trust your instinct. Find someone ON LOCATION ALONE HAPPY WITH THE COST CHECK QUALIFICATIONS
the Financial Conduct Authority (FCA) with whom you will be happy sharing It’s worth checking out local Make sure you understand the Check the credentials of the adviser
Register. As of December 2019, not all potentially sensitive information, advisers but don’t rule out firms charging structure. Does the adviser – and don’t be afraid to ask for proof
advisers are on the FCA Register, but such as how much you earn or what from farther afield either. While charge by the hour, is there a fixed of them. Find out if the adviser has
their firm should be. And no adviser debts you have. You and the adviser face-to-face advice is valuable, cost or is there a percentage fee taken any extra qualifications that
should recommend a financial service must be able to work together; don’t if you intend to deal with them of the money you’re investing? go beyond basic training. This can
or product that is unregulated or be afraid to ask questions, no matter mostly by phone or online, you’ll Be clear on what you will pay indicate the degree of their
unauthorised by the FCA. how silly you think they may sound. have a wider pool to choose from. and the value you will receive. commitment to the profession.
CASE STUDY
HARRY BORDEN
‘It’s worth every penny’
At 56, Robyn is financially secure. Here’s how she got
there, with the help of one adviser for the past 14 years
L
eadership coach Robyn and successfully started her own
McLelland has been working business that more than replaced her
with her financial adviser for income from her previous employment.
14 years and says the advice Last year Robyn took Emily’s advice
she has received has been worth once more, to access more cash to help
every penny. her daughters and clear the rest of her
Robyn, 56, lives in southwest mortgage. She transferred her
London. She sought advice from Emily employer pension to a personal
Turgoose at Life Matters in 2006 when pension, providing her with flexibility
she had been separated from her and the potential to add to the financial
husband for two years and wanted to legacy she will leave her daughters.
make sure she was in good financial Being mortgage-free allowed her
shape for the future. As a parent of two to reduce the hours she worked while
daughters (now aged 27 and 19), it was maintaining her lifestyle with a sense of
important for her to know she could security and helping her daughters pay
handle any unexpected expenses. the costs of their education. She also no
First, Emily helped Robyn to longer needs to pay insurance premiums
consolidate her pensions and protecting mortgage payments.
investments in one place, where “It’s been such a comfort over the
they were easier to follow. She also years to have Emily to call on,” says
recommended insurance that would Robyn. “She’s steered me through
give Robyn an income or pay her divorce, redundancy, setting up my
mortgage in case of long-term illness. own company and helping me to leave
“This all gave me the peace of mind a legacy for my girls.”
I needed,” says Robyn. Emily says: “Financial advice is
In 2016, Robyn took redundancy from unique to each individual and can help
an employer she had been with for 27 you live the life you want to lead. Robyn
years, receiving a significant sum, and is a great example of how financial
again called on Emily’s expertise. She planning can provide security now
cleared a large chunk of her mortgage and in years to come.”
• Getting divorced • Bereavement • Approaching retirement •L
eaving a legacy
If your life changes significantly, so will When a loved one dies, there are likely to Increasingly, we are expected to put by Most of us want to be able to pass on our
your financial position. An adviser can be considerable financial implications; an more money for old age. An adviser can wealth to our families once we’ve gone;
help you reorganise your finances to adviser can help you to resolve these help you build up enough tax‑efficient an adviser can help you plan to do that,
meet ongoing commitments, as well issues, as well as to plan ahead for savings and investments for later life, and including by reducing your heirs’
as your new circumstances. unexpected life events. suggest efficient ways to access them. exposure to any tax liability.
4 DISTRIBUTED IN
The advice is right
Is your money working hard enough for you? Consulting an
adviser could lead to a higher return on your investments
PRICELIST
a study*, investors who use an The cost of advice will differ
Holly Thomas adviser to choose the funds for between firms according to how
Investors their portfolios receive better they decide to price their services.
T
returns than those who go it alone. VouchedFor has searched its
he golden rule when
taking financial advice
who seek The difference means advised
investors generate a 27 per cent
database to bring you the average
costs of some of the most common
is to understand from the
outset exactly what you
advice can higher return over 12 months.
“More clients are showing an
financial requests.
These should help gauge the kind
are paying and may continue to
pay in the future.
generate interest in the way in which
advisers charge, which is
of initial and ongoing costs involved.
All firms are required to have
a clear fee structure, yet there’s
27% higher extremely positive,” says David
Stealey of Cardiff-based Romilly TAKING OUT £425
not one model for what to charge.
These costs depend on the
returns Financial. “We want people to
understand every aspect of the
A £200,000
MORTGAGE
company, but you will be given financial planning journey. It’s Among those mortgage
a menu of fees before you sign good practice for anyone looking advisers who charge
on the dotted line. for an adviser to compare charges an advice fee
There is typically an initial from two or three advice firms
charge that covers the cost of to make sure they choose the A £20,000 £1,407
the advice as well as putting one that presents the best value INVESTMENT ISA
recommendations in place. After for money.” £600 upfront, £807
this there can be ongoing charges When it comes to buying ongoing management
for monitoring and reviewing any a house or remortgaging, the over five years*
investments – this will be less benefits of using a broker to
than the initial charge as it’s source and arrange your finance INVESTING £5,704
more about maintenance of can far outweigh the alternative £100,000
what’s already been put in place. of doing all the legwork yourself. £2,850 upfront, £2,854
If any big changes need to be The cost of mortgage advice is ongoing management
made, there may be more to pay. slightly different because in some over five years*
Some firms charge a fixed fee for firms brokers offer their services
the whole job, so there’s just one completely free of charge. CONSOLIDATING £13,517
lump sum for the advice and to put Brokers make money with THREE PENSION
the recommendations in motion. every mortgage arranged POTS TOTALLING
Others charge an hourly fee. because most lenders pay them £250,000
Factors that affect the cost are a commission – known in the £5,000 upfront, £8,517
the complexity of your situation industry as a procuration fee ongoing charges over
five years*
and your financial goals. – which is roughly 0.35 per cent
That’s because there’s much of the amount borrowed.
more work involved for an adviser Some brokers may opt to AVERAGE HOURLY £190
to recommend trust structures for charge you a fee directly, on top CHARGE AMONG
inheritance tax planning, say, of or instead of their commission FINANCIAL ADVISERS
compared with setting up a – so they may ask you to pay and *Calculations assume average 4 per cent growth in
the value of the investments each year. Numbers
straightforward investment ISA then refund you any commission reflect average costs from more than 600 advisers
that you pay into every month. they earn.
It’s important to remember “The way that advice firms
that, while there will be an initial charge should be made
outlay, you are paying for the clear,” says Jane Newman
expert guidance to put you in a of Jane Newman Financial
much stronger financial position Planning. “If it’s not,
GETTY
in the longer term. According to ask for clarification.”
*Legg Mason Global Investment Survey 2018
CASE STUDY
W
hen Jonathan and Mel
Sums and daughters
Jackson, from Preston in
Lancashire, first consulted
a chartered financial
planner, their instructions were clear.
We want
“Our priority is to pass on family
money to our children, just as it was it to stay
passed to us,” says Jonathan. “We’re
not interested in clever wheezes: we as family
When it comes to want a consistent, long-term plan that
ensures our wealth can be handed to money for
financial planning, the next generation and beyond.”
This rang true with Dominic many years
the Jacksons involve McLoughney, of Becketts FS, who
the Jacksons elected to work with.
“We make it very clear that financial
the whole family planning is a long-term project and not
one that can be solved with a quick
solution,” says Dominic. “We looked at
MATT POVER
their objectives as a family as a whole
in order to put a plan in place.”
BROUGHT TO YOU BY 5
With a big increase in the size of inheritances
handed down, more advice is needed on how
NO MAGIC
to protect against a large tax bill
the current £325,000 threshold.
MONEY TREE 93%
David Prosser There is some protection against
rising property prices, with an
A
additional allowance of
staggering £5.5 trillion £150,000 covering the value of
Of advisers help
will pass between clients with your home (rising to £175,000
generations in the UK estate planning from April), but even a total
over the next 30 years, inheritance tax allowance of
according to research from £475,000 won’t be enough to
Kings Court Trust. The
combination of years of rising
house prices, growing wealth
2030 protect large numbers of people.
Expensive properties will take
their estates over the cap even
from savings and investments, The year by before taking into account other
and pension reforms that make which the number savings, investments and assets.
it easier to pass on unused cash of estates on Many people who end up
means that many younger which tax is seeing family wealth depleted
people can look forward to ever payable is likely by inheritance tax subsequently
larger windfalls from their to have doubled realise that the bill could have
parents and grandparents. been reduced, or even avoided
However, this is a
phenomenon that most Britons
aren’t talking about – and aren’t
9/10 altogether, with sensible
financial planning. Very often,
this simply requires some
equipped to deal with. Nine out Of people aged straightforward actions ahead
of ten people aged 65 and over 65+ have not taken of time, rather than sophisticated
have not taken financial advice financial advice in tax planning.
in the last 12 months, according the past 12 months Giving away assets while
to research by the Financial you’re still alive can be a
£500k
Conduct Authority. More than sensible way to reduce the size
half of them have never taken of your estate, though it is
such advice. Younger people subject to the seven-year rule of
aren’t getting help either: a tapering tax relief, and you can
survey by Octopus Investments Total inheritance make regular gifts out of excess
shows that the majority of tax allowance, income. Life insurance can cover
people aged between 30 and 60 as of April 2020 the cost of tax on the estate – it’s
aren’t getting any professional easy to set up the policy in trust
financial support. (many insurers offer this option)
This is potentially a real to protect the payout from tax,
problem. Older people are and while the premiums will
passing on more wealth than come at a cost, they may save
previous generations but aren’t money in the long run.
getting advice on how to do so As everyone’s circumstances
in the most effective and differ, working with a financial
tax-efficient ways possible. adviser to develop the right plan
Younger people receiving this for you is crucial. You may need
wealth aren’t getting advice on ongoing access to particular
how to use it to their advantage. assets, in which case just giving
Neither group is being properly them away won’t work. You
informed how to work together may not even know what your
to plan for the future. assets are worth – think about
Financial advisers are acutely possessions such as cars,
aware of what’s at stake. A jewellery, art and wine as well as
recent survey conducted by traditional savings, investments
VouchedFor, the free service and property – which makes it
that helps people find and check impossible to plan effectively.
financial advisers who have “Being better organised,
been vetted against stringent protecting assets, maximising
criteria and rated by their taxation planning and achieving
clients, found that 93 per cent competitive returns are the
of advisers now spend some of cornerstones to building
their time helping clients with wealth,” says Andrew Day, a
estate planning. Almost half said director and chartered financial
this work accounted for more of planner at Depledge Strategic
their time than five years ago. Wealth Management. “A good
However, many people just financial plan should allow you
haven’t realised what’s at stake, to live the life you want to.”
Both Jonathan, a solicitor, and Mel, to reduce a liability to tax. In addition,
who runs her own furniture business, he suggested setting up offshore
warns Ketan Shah, an Many financial advisers
had individual savings and investments, investment bonds that would cover independent financial adviser encourage the whole family
including assets they had inherited Ruby and Jemima’s university costs and at Gallagher. “People have this to engage in the planning
from their own families. But they were provide future gifting opportunities. He notion that this issue does not process, including the younger
keen to plan jointly for the future of also ensured every member of the affect them because they don’t generation. Those in line to
their daughters, Ruby, 17, and Jemima, family was making full use of their consider themselves wealthy,” receive wealth should be
14. “This is family money and we want tax-free pension savings allowances. he says. “And most don’t find this involved as they will often have
it to stay that way for many years,” “By working with the family as a an easy conversation to have.” different attitudes to money
Jonathan adds. whole, Dominic was able to make the Failing to engage and plan from their parents, and different
Their adviser’s recommendations suggestions that worked best for our ahead could prove costly. The needs – from stepping on the
focused on inheritance tax planning and collective benefit,” Jonathan says. UK’s inheritance tax system is property ladder to planning
investments for Ruby and Jemima that The couple continue to meet with already ensnaring an increasing for their own children.
would help secure their future finances. their adviser to review progress and number of Britons: the number Chartered financial planner
Dominic was keen to ensure the discuss new goals – including beginning of estates on which tax is payable Cleona Lira has held family
Jacksons were using their annual gift to work with their daughters. “My has almost doubled since 2010, finance events. She says:
allowances to reduce the size of their eldest is starting to show an interest in according to HM Revenue & “Looking at our family systems
estate for inheritance tax purposes, financial planning,” says Jonathan. “We Customs, and is expected to and money is so powerful in
and talked the couple through the want her to understand that it’s better double again by 2030. resolving unconscious blocks to
process of making gifts out of normal to begin saving early in life than to wait This is an expensive tax. earning, spending, celebrating
spending, which can be a useful way until you reach your forties.” Forty per cent tax is payable on and enjoying life when it comes
any wealth in an estate above to giving and receiving.”
6 DISTRIBUTED IN
CASE STUDY
‘We’re flying high in our stress-free retirement’
HAPPY PLACE
Martin and
Elaine Hewitt
are determined Planning your future and making the most of your money
to enjoy life
after work is hard to do alone. Although initially sceptical, finding the
right expert gave ex-RAF man Martin Hewitt peace of mind
A
fter a 38-year career in the granddaughter. “Over the next few
RAF, Martin Hewitt was years, we built a broad-based
looking forward to retirement. portfolio of investments that
By 2005, he had achieved the included designated accounts for his
rank of warrant officer, been awarded dependants,” the adviser explains.
an MBE and received additional The strategy reflects Martin and
honours for his service in Kosovo, the Elaine’s circumstances: their pensions
Falklands and in support command. provide them with sufficient income
Now the highly decorated aircraft to live comfortably, so they are able to
engineering technician recognised leave their savings and investments
that he needed professional advice to untouched. But the couple are keen
make the best of his retirement years. to ensure money is available to their
“I was retiring at the age of 55 on children and grandchildren at key
my RAF pension, but my state one times – to help buy a house, for
wasn’t due for another ten years, so example, or cover university costs.
I wanted advice on that gap,” he says. Martin has also been convinced of
“I was also due to leave the RAF with the value of good-quality financial
a gratuity for my long service, which advice, with Paul pointing out
I was determined to invest well.” opportunities the Hewitts had not
Martin, who lives in Deal in Kent previously considered. Both Martin
with his wife Elaine, knew that sites and Elaine have opened new pension
such as VouchedFor would be able plans – despite being retired, they
to connect him with an independent still benefit from tax relief on
financial adviser, but was eager that contributions and are building up
they prove their mettle. After meeting tax-free pension funds they can pass
three advisers he’d connected with on or cash in in later life. “Without
online, he began working with Paul access to a financial adviser, I don’t
Ross of Landmark IFA. think I’d have realised this was
“I must admit I was sceptical about possible,” Martin reflects.
financial advisers, so I took my time
with Paul,” Martin recalls. “I first
asked him for some quite basic advice
about my options on retirement and
didn’t share the fact that I was due to
receive a substantial sum that would
need to be invested.”
I was determined
Having won Martin’s confidence,
Paul says it very soon became clear
to invest well and
that the Hewitts needed advice on
how to manage their finances
took my time,
effectively for the long-term
prosperity of the whole family, asking quite basic
including the couple’s son and
daughter, and their eight-year-old questions at first
PENSIONS JARGON BUSTER FINAL SALARY SCHEME/
DEFINED BENEFITS PENSION
This is a workplace scheme where
INCOME DRAWDOWN
With this, you can take money out
of your pension when you need it.
AUTO-ENROLMENT
This is a government initiative
where employees automatically
Confused by the vernacular surrounding pensions and saving
?
the retirement income is based on The remainder stays invested. This join a pension scheme set up by
for retirement? You’re not alone. Pensions are a topic we’d all how long you’ve been a member provides more flexibility than an their employer, unless they
benefit from wrapping our heads around, but it can be complex, of the scheme and your salary annuity (see below), but there are actively opt out. Both employees
with myriad options leaving us unsure as to whether we’ve (not on investment performance). risks, such as the fund falling in and employers are required to
made the correct choices. Our jargon buster explains the key This type is now uncommon. value, meaning your needs may make contributions and you get
terms to help you navigate the pensions maze and start Remaining schemes are found not be met. If you’re considering tax relief on the percentage of
planning for when you stop working. mostly in public sector jobs. drawdown, advice is a must. your salary that you pay in.
MONEY PURCHASE SELF-INVESTED PERSONAL STATE PENSION ANNUITY ANNUAL ALLOWANCE
SCHEME/DEFINED PENSION (SIPP) With a state pension, a regular A type of retirement income The most you can pay into a pension
CONTRIBUTION PENSION A personal pension is where the payment is provided by the product, an annuity is bought tax-efficiently in a year, based on
With this type of plan, eventual individual is the sole investor and government when you reach from an insurance company with your own and your employer’s
retirement income is based on doesn’t rely on additional support a certain age (currently set at the money from your pension contributions, plus any someone
money paid in and investment from employers. It’s a prime 65 for both men and women, this fund. It will pay out a guaranteed else makes on your behalf. This tax
performance over the life of the solution for the self-employed, will go up to 66 from October). income for a set period – usually year’s allowance is £40,000 or all
pension. When you retire, you can who do not receive company It is unlikely to be enough on its until you die – at regular intervals. of your salary, whichever is lower.
purchase an annuity or income pensions. Flexible and portable, own, but it may be useful to top up The income it provides will
drawdown to turn your pension SIPPs are good if you want to the income from private pensions. depend on a host of factors, For more advice, speak
into an income. The different types consolidate various pension pots. The amount you get depends on such as your age when you to your employer or adviser.
include personal, stakeholder and You can choose where to invest your National Insurance record. purchase it, annuity rates at You can also get free guidance
those arranged through your or delegate to have it managed. You can check what the state the time and whether you’re from government service
employer. Most work pensions are Set-up and management fees will give you by requesting a smoker. It’s crucial to shop pensionwise.gov.uk
defined contribution schemes now. will apply, so get advice first. a forecast from gov.uk. around to get the best value.
BROUGHT TO YOU BY 7
The guide’s mission
With the release of their 2020 guide of the UK’s top advisers, VouchedFor aims VouchedFor members also giving large firms an unfair
undergo several other checks and advantage over smaller firms.
to provide greater transparency for those looking to plan for the future ongoing monitoring. For instance, For a full breakdown of the
we check advisers’ identity, reviews, checks, services, top
qualifications and client reviews. rated status and qualifications
mortgage advisers who are We also monitor news outlets and of each of the advisers and firms
delivering excellent outcomes the outcomes for everyone who listed in the guide, please visit
Alex Whitson,
for their clients. 1,325 contacts an adviser through VouchedFor.co.uk, where you
managing The financial and mortgage VouchedFor. can search for advisers by name.
director, advisers listed on the following advisers To extend the reach of the print Alternatively, call 020 3111 0583
VouchedFor pages have received the highest
volume of positive client reviews
amassed guide, we are launching a digital
version from April, which will be
and speak to a member of the
VouchedFor team.
since the start of 2019 on an average accessible via national news sites The guide is the culmination
T
he evidence is compelling: VouchedFor.co.uk, the UK’s for the rest of 2020. Further to of the efforts of thousands of
great financial advice
improves lives. Just read
leading ratings site for financial
and legal advisers.
rating of this, each top rated adviser will
receive a background report, as
advisers and clients who share
our commitment to promoting
some of the 130,000 In total, 1,325 advisers from 819 4.9 out of 5 well as a certificate, to reassure transparency and helping people
verified client reviews that have different firms are included in the people considering advice that access great advice.
been posted on VouchedFor. guide. They amassed 25,334 they are in good hands. The My most sincere thanks to
Yet more needs to be done to give reviews in 2019 with an average report will list all the checks and everyone who has contributed.
people the confidence to engage rating of 4.9 out of 5. reviews that support the adviser’s We hope you find the guide useful.
with advice. This requires clear, As well as being endorsed by inclusion in the guide.
complete information and a at least ten clients, each adviser On page 19, you will notice a Top
commitment to keeping is a fully verified member of Rated Firms section. This is a
standards high. VouchedFor, which means we’ve rigorous new accreditation that
This 2020 Guide to the UK’s checked that they have the calls out companies who have
Top Rated Financial Advisers necessary permissions to invited all their advisers’ clients to
aims to help people understand practice, in line with the latest review them and are consistently
how advice could benefit them Financial Conduct Authority receiving excellent feedback. The
and celebrates financial and (FCA) rules. criteria are designed to avoid
*What it’s worth: revisiting the value of financial advice, International Longevity Centre – November 2019
VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS
These financial advisers have received the Steven Chisholm Positive Solutions 13 I Corby N Gary Metcalf Gemini Wealth 122 I Leicester N
Management
highest volume of positive 2019 client reviews on
Owen Williams Beaufort Wealth 36 I Coventry Y
VouchedFor.co.uk, the ratings site for financial and Management Rob Handford Handford 34 I Leicester Y
Aitkenhead
legal professionals. As well as being endorsed by & Walker
Robert Boland Cotswold IFS 19 I Coventry N
more than ten clients, each adviser is a fully verified
Lena Patel ISJ Independent 26 I Leicester N
member of VouchedFor. This means they have the Luke Baker Create Financial 69 I Derby Y
Management
necessary permissions to practise from the Financial Scott Gallacher Rowley Turton 94 I Leicester Y
Conduct Authority, as well as undergoing several Peter Baker Create Financial 37 I Derby N
Tracey Mather Tracey Mather 15 R Leicester Y
Management
other checks and ongoing monitoring. Wealth
James Wallis Create Financial 16 I Derby N Management
Management
CENTRAL ENGLAND Richard Meats Tudor Franklin 40 I Leicester N
Chris Dunn Orridge & Dunn 98 I Derby N
Bharat Tudor Franklin 37 I Leicester N
FEES PUBLISHED
Stuart Orridge Orridge & Dunn 93 I Derby N Chudasama
LOCATION
Paul Harman Profusion Wealth 37 I Derby Y Robin Place Four Oaks 64 R Lichfield Y
REVIEWS
Management
STATUS
NAME
FIRM
Samuel Robinson Almond Financial 12 R Lincoln Y
James Pillinger Profusion Wealth 33 I Derby Y
Management Julie Buxton AFH Wealth 21 I Loughborough N
Management
Adam Rhodes Rhodes Wealth 27 R Ashbourne Y Gemma Murden Talent Financial 44 I Derby Y
Management Planning Ajay Naik Fairstone 32 I Loughborough Y
Chris White Regent Financial 83 I Ashby de la N Jane Newman Jane Newman FP 98 I Droitwich Y Killian Kirkpatrick First Service 10 I Loughborough N
Zouch Financial
Stuart Neale SN Financial 57 I Droitwich Y
David Farrance Prosperity Wealth 13 I Bewdley Y Services Robert Lallo Sandringham 12 I Loughborough N
Financial
Stuart McDarby AFH Wealth 27 I Evesham N Partners
Thomas Dickson Essential Money 103 I Birmingham Y Management
Mandeep Singh AFH Wealth 49 I Birmingham N Karl Thorpe AFH Wealth 16 I Evesham Y
Management Management KEY
Lisa Footes Footes Financial 86 I Birmingham Y Stephen Hunt Better Retirement 46 I Grantham Y
Group FIRM
Planning Top Rated Firm (includes trading names of Top Rated Firms), learn
Claire Markham FH Manning 10 I Horncastle Y more on page 19
Gem Durham Obsidian Financial 26 I Birmingham Y Financial Services
Chris Guttridge True Potential 44 R Birmingham Y Kevin Holleron Holleron Wealth 24 R Ilkeston Y STATUS
Management
Kira Sehmbi True Potential 37 R Birmingham Y I Independent financial adviser
Alan Crowley Financial Design 73 I Kenilworth Y R Restricted financial adviser
Paul Taylor John Cannaby 11 R Bridgnorth N
Associates Nicholas Lue JPA Financial 79 I Kingswinford Y
Services FEES PUBLISHED
Thomas Morgan True Potential 19 R Bromsgrove Y N No, this adviser does not display their fees structure on
Scott Saxby JPA Financial 42 I Kingswinford Y VouchedFor.co.uk
Nasreen Akhter Whateley Wealth 74 I Bromsgrove N Services
Management Y Yes, this adviser does display their fees structure on
Lisa Varley Mercia Financial 77 I Leamington Spa N VouchedFor.co.uk
David Binks Landmark IFA 15 I Corby N Planning
The information in these tables is correct as of January 13, 2020 View these advisers’ full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583
8 DISTRIBUTED IN
VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS
CENTRAL ENGLAND Steven Rowe Lucent Financial
Planning
44 I Solihull N Duncan Hannay Hannay Robertson 58 I Cambridge Y
Robertson
FEES PUBLISHED
Pavan Chamba Skipton Building 12 R Solihull Y Steven Edwards Hargreaves 55 R Cambridge Y
Society
Lansdown
LOCATION
REVIEWS
Neil Homer Lonsdale Wealth 59 I Stafford Y
STATUS
Martin Harvey Trust Will Plan 20 R Cambridge N
NAME
FIRM
Paul Duffill Paul Duffill 24 R Stafford Y
Financial Advice Anthony Iceni Financial 36 I Dereham N
Alan Curtis True Potential 27 R Louth Y Crockert Advisers
Chris Flynn Giliker Flynn 75 I Stoke on Trent Y
Sadie Waddelow Landmark IFA 11 I Ely N
Laurence AFH Wealth 14 I Lowdham N Simon IronMarket 10 R Stoke on Trent N
Bembridge Management
Hargreaves Ian Couling Lifetime Financial 82 I Great Yarmouth Y
James Slowey Gransha Financial 33 R Lutterworth N Solutions
Services Wes Wilkes IronMarket 22 I Stoke on Trent Y
Nick Manning Finance Shop 31 I Lowestoft N
Ajay Badiani Intelligent 34 I Lutterworth N Abad Khan Right Financial 36 I Stoke on Trent N
Financial Planning Chad Morris Norfolk & Suffolk FS 60 I Lowestoft Y
Advisory
Richard Fairstone 128 I Stone Y Phil Ball Norfolk & Suffolk FS 16 I Lowestoft N
Paul Urmston Fresh Approach 43 I Malvern Y
Hollington
Andrew Paul Brady 17 R Market Drayton Y Neil Alsop NKT Financial 41 I March Y
Steven Hendry Stonegate Wealth 83 I Stone Y Solutions
Sweetman
Management
Abigail Brown AFH Wealth 22 I Market N David Philpott DP Financial 24 I Newmarket N
Management Harborough Michael Harvey Charters Private 37 I Stratford upon N Solutions
Wealth Avon
Tom Spain Henry Spain 20 I Market N Antony Moyes Moyes Investments 53 I Newmarket N
Investment Harborough Pippa Cuciurean True Potential 24 R Stratford upon Y
Services Avon
Neil Marsden Alan Boswell 20 I Norwich Y
Daniel Thompson Sovereign Wealth 23 R Market Y Trevor Paginton Advisory Services 50 I Studley N Financial Planners
Harborough
Martin Brennan Ethical Adviser 40 I Sutton Coldfield Y John Whitehead Alan Boswell 15 I Norwich Y
Mark Briggs Cricket Hill 13 I Markfield N Financial Planners
Financial Planning Amanda Reid Gemini Wealth 139 I Sutton Coldfield N
Management David Perry Alan Boswell 11 I Norwich Y
Neil Gilbourne 3R Financial 194 I Newark Y
Matthew Hackett Skipton Building 12 R Sutton Coldfield Y Financial Planners
Services
Society
Ben Hewitt Alan Boswell 11 I Norwich Y
Wayne Evison 3R Financial 25 I Newark N
Hannah Cowell 2plan Wealth 126 I Swadlincote N Financial Planners
Services Management
Tony Robinson Alan Boswell 10 I Norwich Y
Madelene Turner 3R Financial 19 I Newark N Mark Johnson Integritas 87 I Swadlincote Y Financial Planners
Services
Kevin Wood Oak Four 33 I Tamworth Y Vicki Charles Iceni Financial 50 I Norwich N
Mark Block Leaf Financial 27 I Newark N
Planning James Zenith Financial 45 R Tamworth Y Advisers
Paul Joseph Flynn Paul J Flynn 64 I Newark N Hawksworth Planning Joseph Dunn Iceni Financial 48 I Norwich N
Marc Derbyshire Croft & Oakes 41 I Telford N Advisers
Paul Pitt AFH Wealth 24 I Northampton N
Management Alex Couling Lifetime Financial 25 I Norwich N
Daniel Morris Prosser Knowles 19 I Telford Y
Jaskarn Pawar Investor Profile 66 I Northampton Y Associates Solutions
Richard True Potential 19 R Telford N Michael Duale MD Wealth 12 R Norwich Y
Chris Stott Landmark IFA 25 I Northampton N
Scott- Management
Mark Hipkiss Skipton Building 11 R Northampton Y Worthington
Andy Fisher Quilter Financial 19 R Norwich N
Society Rikesh Bhatt True Potential 13 R Telford N Advisers
Rebecca Aldridge Balance: Wealth 67 I Nottingham Y Chris Broome Longhurst 64 I Towcester N Michael Johns Succession Wealth 45 I Norwich Y
Planning
Andy Betts Towcester 15 R Towcester Y Simon Every Best to Invest 21 I Peterborough Y
John Crichton Mansion Park 186 I Nottingham N Financial Planning
Thornton Holmes Orchid Financial 63 I Peterborough Y
Keiran Dunne Ryley Wealth 12 R Nottingham Y Lee Gardner Gardner Financial 85 I Warwick N
Management Services
Management
Charlie Reading Efficient Portfolio 69 I Oakham N Kate Arrowsmith Landmark IFA 30 I St Neots N
Ray Coker Sandringham 12 I Wellingborough N
Financial Ellen Landmark IFA 17 I St Neots N
Amer Nazir Henry Spain 11 I Oakham N
Investment Partners Emeleus-Barrett
Services
Andrew Reeves The Investment 100 I Wellingborough Y Neil Harden Abacus Associates 24 I Stamford N
Bobby Dhesi AFH Wealth 28 I Oldbury N Coach
Management Dan Payne Golden Oak 11 I Stamford N
Alan Moran Interface 22 I West Bromwich N
Dean Clifford Goddard Perry 51 I Pershore N Financial Planning Jacob Wright Landmark IFA 16 I Stamford N
Consulting
Matthew Jeffery Fairstone 37 I Wigston Y Lydia Molyneux Landmark IFA 16 I Stamford N
Steven Corrigan Sandringham 26 I Pershore N
Financial
Partners Lauren Herrick PSA 14 I Wigston N Felicity Smith Landmark IFA 10 I Swaffham N
Simon Millward Mercia Financial 75 I Rugby N Ash Desai IronMarket 12 R Wolverhampton N Martin Scowcroft Quilter Financial 18 R Thetford N
Planning Advisers
Martin Dodd Midlands 85 I Wolverhampton Y
Akhil Satsangi PKS Associates 28 R Rugby N Investment
Agency GREATER LONDON
Mark Neal PJL Financial 16 I Rugby Y
Services James Paul True Potential 13 I Wolverhampton Y
Ross Speedie InterestMe Financial 24 R Aldgate Y
David Jamieson Gee 7 Wealth 10 I Shrewsbury Y Mark Davis Bransford 28 I Worcester Y
Management Planning
Financial
Jtinder Braitch Jtinder Braitch 29 I Shrewsbury Y Planning Sukh Jawanda InterestMe Financial 15 R Aldgate N
Planning
Angela Quilter Financial 12 R Sleaford N Steve Perera Britannic Place 41 I Worcester Y
Davy-Makwana Advisers Financial David Cresswell David James Wealth 46 R Aldwych Y
Martin Brown Essential Money 14 I Smethwick Y Management Edward Thornton & Baines 14 I Aldwych Y
Simon Mansell Temple Bar IFA 80 I Worcester N Richardson
Ravinder Thind JPA Financial 70 I Smethwick Y
Services
Stephen Ranson Tilney 14 R Aldwych N
Derek Mills Derek Mills 25 R Solihull Y EAST OF ENGLAND James Woodfall Woodfall Wealth 10 R Aldwych Y
Wealth
Consultancy Consultancy
Paul Ross Landmark IFA 68 I Bourne Y
Paul Glover Ernest Grant 35 I Solihull N Daniel Bloomfield Daniel Bloomfield 16 R Arkley Y
Emma Wilson Landmark IFA 21 I Brandon N
James Richards Ernest Grant 10 I Solihull N Garrett Stenson St James’s Place 13 R Arkley Y
Calum O’Donnell Alan Boswell 89 I Bury St Edmunds Y
Steve Gallacher Gallacher Wealth 10 R Solihull Y Financial Planners Paul Coyle Hargreaves 29 R Ashtead Y
Management Lansdown
Andy Manning Succession Wealth 57 I Bury St Edmunds Y
Colin Hart Hamptons Wealth 91 I Solihull N Justin Jordan Leadenhall Wealth 52 I Bank N
Management Henry Metcalf Golden Oak 37 I Cambridge Y Management
View these advisers’ full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583 The information in these tables is correct as of January 13, 2020
BROUGHT TO YOU BY 9
VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS
Philip Forrester Plutus Wealth 36 I Barnes N Malcolm Samuels True Potential 28 R Hoddesdon Y Dean Mullaly Mark Dean Wealth 33 I Tower Hill Y
Management Management
Bill Paice Paice Financial 64 I Hornchurch Y
Filip Slipaczek Slipaczek 212 I Barnet N Planning Cieran Downes Regent Dow Wealth 16 R Tower Hill Y
Chartered FP
Jane Hodges Money Honey 59 I Hoxton Y John Pickles Globe IFA 18 I Twickenham N
Joshua Gerstler The Orchard 58 R Borehamwood Y
Practice Sam Whybrow Thanks Wealth 75 I Hoxton Y David Holland Globe IFA 12 I Twickenham N
Planning
Mark Flannery F3 Wealth 18 I Borough N Matthew Allen Mulberry Chartered 50 I Twickenham Y
Rongu Miah Advance Wealth 51 I Ilford N
Andrew Rumbles Prospera Wealth 32 R Borough Y Simon Allen Mulberry Chartered 46 I Twickenham Y
Management Ashish Popat Hoyl Independent 11 I Ilford N
Advisers Sarah Pearson Mulberry Chartered 31 I Twickenham Y
Graeme MacKay Foxgrove Associates 89 I Bromley Y
Sam Sloma Engage Financial 23 I King’s Cross Y Robert Wilcocks Wilcocks & Wilcocks 32 I Twickenham Y
Bobby Phillips Cooper Associates 42 R Canary Wharf Y Services
Simon Evans AFH Wealth 11 I Upminster N
Lawrence Dean Intelligent Wealth 47 I Canary Wharf N Brian Byrnes Wealthsimple 23 R Knightsbridge Y Management
Planning
Robert Saunders Foster Denovo 12 I Lisson Grove N Sandra Corkhill Fairstone 35 I Upper Norwood Y
Martin Card TBA Wealth 38 I Carshalton N
Guy Bolam BolamRose 37 R Liverpool N Peter Ditchburn Buckingham Gate 10 I Victoria Y
Management
Street
Fotis Joannou Sentient Wealth 82 I Chislehurst Y Matthew Smith Buckingham Gate 76 I Victoria Y
Edward Tudor The Private Office 25 I Loughton Y
Richard Paddle St James’s Place 18 R Chislehurst Y Andrew Nicolson Devine Financial 35 I Victoria Y
Jeremy Askew Town Close 137 I Loughton Y Management
Alex Smith Watson Moore 64 I Chiswick Park Y Financial Planning
Paul Standerwick MLP Wealth 112 I Wallington N
Keith Galgut Gale and Phillipson 83 I Church End N Kanishk Swarup St James’s Place 29 R Mapesbury Y Management
Nigel Shaffer Radcliffe 24 I Church End N Amina Kamal Amina Kamal 16 R Mayfair Y Christine Tucker One Financial 66 I Wallington Y
& Newlands Solutions
Nick Brown NB Wealth 21 R Mayfair Y
Alistair Mann Clocktower Fund 93 I Cobham N Management Stephen James Radcliffe 12 I Walthamstow N
Management & Newlands
Ted Wilson Wilson Wealth 16 R Mayfair Y
Paul Birtill Paul Birtill 13 R Cockfosters Y Advisory Adam Nettleship Bigmore Associates 18 I Walton on N
Thames
Paul Shackleton Sandringham 10 I Coulsdon N Adam Rideout Foster Denovo 28 R Monument N
Financial Partners Patrick Primavera Financial 29 I Wanstead N
Jonathan Kinch Fairstone 72 I Moorgate N McClelland Partners
Keith Jobson Gold Griffin – 34 I Covent Garden N
Wealth Planning Laurence Jackson Fairstone 57 I Moorgate N Jonathan Willis Future Start 34 I Watford N
Dave QI Financial 30 I Croydon Y Andrew Kennedy Fairstone 41 I Moorgate Y Lisa Murphy Sandringham 13 I West Wickham N
Chamberlain Solutions Financial Partners
Scott Miller Fairstone 30 I Moorgate Y
Vinay Malhotra Sandringham 135 I Croydon N Rachel Lane Group Rapport 71 I Weybridge Y
Anne McClean Smith & Williamson 32 I Moorgate Y (part of Fairstone)
Financial Partners
Richard Howard St James’s Place 12 R Croydon Y Sean Irwin Clarity Wealth 62 I New Cross N Paul Hodge Pennymatters 34 I Weybridge N
Management
Roy Dravid Lighthouse Wealth 23 I Deptford N Michael Powell Sandringham 26 I Weybridge N
Neil Jacobs Prosperity Wealth 53 I Oakleigh Park N Financial Partners
Alun Webster Audley Asset 16 I Dollis Hill Y Creation
Management James Wade Charles Wade 64 I Whitehall Y
Kieran Hartnett True Potential 31 R Orpington Y Finance
Andrew Lochrie Andrew Lochrie 10 R Dulwich Y
Jessica Cook AES International 15 R Parsons Green N Wayne Griffiths One Financial 60 I Whyteleafe Y
Wealth Management
Solutions
Simon Humphrey Agile Life UK 25 R Ealing Y Geetika Sethi SensInvest 16 I Pinner N
Ian Hart Unbiased 51 I Wimbledon Y
Kevin Tutt bdhSterling 13 I Epsom Y Mike Moran Fairstone 33 I Potters Bar Y
Financial Group
Matthew Porter bdhSterling 11 I Epsom Y Paul Sanders The Private Office 25 I Primrose Hill Y Carl Baker Gallagher 15 I Worcester Park N
David Sheehan True Potential 25 R Purley N
Ray Martin Four Seasons 49 I Epsom Y Anil Malik One Financial 33 I Queensbury Y NORTH OF ENGLAND
Paul Keeley One Financial 28 I Epsom Y Solutions
Simon Nutter Sandringham 46 I Accrington N
Solutions Peter Adcock Adcock Financial 41 I Richmond N Financial Partners
Paul Hudson Roxborough Wealth 16 I Esher Y Miles Hawkins PK Financial 27 I Richmond N Joe Magee Sandringham 18 I Accrington N
Management Planning Financial Partners
Thomas Schofield Ablestoke Financial 14 R Fleet Street N Fiona Morpurgo Morpurgo Wealth 41 I Romford Y Liam White Capstone Financial 28 R Altrincham Y
Advisers
Management
Tony Martin True Potential 38 R Romford Y
Sebastian Hurst Plutus Wealth 93 I Fleet Street N
Adrian Mahon Depledge 50 I Altrincham Y
Management Amit Mittal One Financial 51 I Ruislip Y
Solutions Chris Weetman Otus Financial 68 I Altrincham Y
Olivier Pfanner VITA Capital 15 R Fleet Street N
Planning
Management Rebecca Evolution Financial 37 I Somers Town Y
Robertson Planning Garry Newman Sandringham 41 I Ashington N
Andrew Fiduciary Partners 24 I Gunnersbury N
Financial Partners
Brixey-Williams Shazana Anwar Lighthouse Financial 25 R South N
Advice Ockendon Janine Barron Sandringham 43 I Barnard Castle N
Toby Walker EQ Investors 10 I Hammersmith N
Financial Partners
Nisheet Shah Positive Solutions 25 R Southgate N
Bejal Shah Capital Financial 34 R Harrow N
Mark Gill Co-operative 84 I Barnsley N
Consultants Priyesh Patel Ablestoke Financial 31 R St Paul’s Y
Wealth
Planning
Veronica Mann Talis Financial 31 I Harrow N
Advisers Liam Martin Audley Asset 30 I St Paul’s Y KEY
Management
Bob Bassi Serenity Financial 20 I Hayes N FIRM
Planning Ovie St James’s Place 16 R St Paul’s Y
Top Rated Firm (includes trading names of Top Rated Firms), learn
Onomakpome
David Rose Rose Financial 10 I Hendon N more on page 19
Planning Mark Wilson Waymark Financial 47 I St Paul’s N
STATUS
Rebecca Cherry Westminster Wealth 42 I High Holborn N Jean-François Alexander House 18 R Stockwell Y
I Independent financial adviser
Rio
Lisa Conway Westminster Wealth 40 I High Holborn N R Restricted financial adviser
Hughes Seán MLP Wealth 68 I Surbiton N
Standerwick Management FEES PUBLISHED
Stephanie Jones Westminster Wealth 39 I High Holborn N N N o, this adviser does not display their fees structure on
Jonathan The Private Office 29 I Tooting Y
Dan Dando Westminster Wealth 15 I High Holborn N VouchedFor.co.uk
Ritterband
Y Yes, this adviser does display their fees structure on
Antony Smith Providus Financial 22 I Highams Park N Ravi Dadlani Gate Capital Group 21 I Tower Hill N VouchedFor.co.uk
The information in these tables is correct as of January 13, 2020 View these advisers’ full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583
10 DISTRIBUTED IN
VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS
NORTH OF ENGLAND Mark Bird Chester Financial 57 I Chester N Peter Johnys Sandringham 24 I Harrogate Y
Wealth Management Financial Partners
FEES PUBLISHED
Mark Reidford Innes Reid 44 I Chester Y Kevin Quick Skipton Building 21 R Harrogate Y
Society
LOCATION
Haleam Moneytree Wealth 33 R Chester N
REVIEWS
STATUS
Muhashash Management Nick Barraclough The Private Office 37 I Harrogate Y
NAME
FIRM
Jane O’Hara Rosebridge 23 I Chester Y Rachel Storey Fairstone 18 I Hartlepool Y
Michelle Richards Cricket Hill 10 I Barnsley N Neil Bevan Skipton Building 41 R Chester Y Karen Clegg Sandringham 36 I Hessle N
Financial Planning Society Financial Partners
Damion Stones McCourt 54 I Barnsley Y Mark Jones Jones & Co 175 I Chesterfield N Jonathan Farnill Sandringham 13 I Hessle N
Keyworth Financial Partners
Ashley Hewitt Rosedale Financial 46 I Chesterfield N
Elliot Daniels Utopia (part of 12 I Barnsley Y Management Bob Stephenson Stephenson Johnson 63 I Hessle N
Fairstone)
Donna Robertson Rosewood Wealth 180 I Chesterfield Y Phil Smith Stephenson Johnson 62 I Hessle N
Stephen Hogg Broadgate Financial 17 I Billingham Y Management
Management Christian Derrick Stephenson Johnson 43 I Hessle Y
Shannan Rosewood Wealth 11 I Chesterfield Y
James Downing Broadgate Wealth 49 I Billingham Y Pool-Gorman Management Steven Cattle Explore Wealth 40 I Hexham N
Management
Paul Gilsenan PSG Wealth 36 R Billingham Y Melanie Wray Anne Wray 26 I Chorley N
Management Yianni Theodorou Logic Wealth 96 I Heywood Y
Stephen Banks Wealth 74 I Chorley Y Planning
Louise Allott Skipton Building 11 R Bingley Y
Society F Danson Management
Frank Watts FW Financial 11 I Holmfirth N
Barry Talman MGL Wealth 11 R Bishop Auckland Y Mike Clarke True Bearing 47 I Chorley N
Nick Heald AFH Wealth 18 I Horsforth N
Management
Ashley Parry Polygon Financial 89 I Clitheroe Y Management
Steve Crowe Ribble Wealth 107 I Blackburn Y
James Kitson Fairstone 23 I Colne Y David Hardman Argent Wealth 54 I Houghton le Y
Management
Spring
Ben Wrigley Adcas Financial 60 I Blackpool Y Mark Pedley Fairstone 16 I Congleton Y
Leanne Harris 2plan Wealth 52 I Huddersfield N
Management Kevin O’Neill O’Neill Financial 27 I Congleton Y Management
Anthony Questa Chartered 70 I Blackpool N Services
Benjamin Philpott Financial 36 I Huddersfield N
Hoskisson Kate Boon Lifeplan 109 I Consett N Philpott
Robert Carr True Potential 21 R Blaydon on Tyne N Gary Barnes Lifeplan 63 I Consett N Steven Haigh Portal Financial 115 I Huddersfield Y
Simon Turner Fairstone 29 I Boldon Colliery Y Planning
David Nattrass Sandringham 25 I Consett Y
Damian Cross AFH Wealth 11 I Bolton N Financial Partners Paul Sheard Sandringham 22 I Huddersfield N
Management Financial Partners
Stephen Sumner Explore Wealth 108 I Cramlington N
Rhiannon Berkeley St James 58 R Bolton Y Management Matthew Rose Sandringham 22 I Huddersfield Y
Cafferty WM Financial Partners
Lee Spragg True Potential 13 R Crewe Y
Johnathan Sedgwick Wealth 16 R Bolton Y Robert Smith Sandringham 13 I Huddersfield N
Adrian Peacock Acumen Investment 38 I Darlington N
Webster Management Financial Partners
and Pension
Paul Burns Skipton Building 21 R Bolton Y Solutions Leslie Sykes Sandringham 11 I Huddersfield N
Society Financial Partners
Alan Wheeldon Destiny – Total 14 I Darlington N
Julie Alexander Cater Associates 15 R Bootle N Financial Planning Richard Sandringham 11 I Huddersfield N
Derdowski Financial Partners
Martin Miller Live Smart 91 I Bramhope Y Stewart Hodgson Fairstone 35 I Darlington Y
Financial Planning Jonathan Fox Skipton Building 10 R Huddersfield Y
Craig Dyball Fairstone 22 I Darlington Y Society
Sachin Jain Reward Financial 27 I Bramhope N
Shelagh Taylor Landmark Financial 39 I Diggle N Gary Munroe Skipton Building 11 R Ilkley Y
Services
Planning Society
Peter Slack Burlington Financial 45 I Bridlington N
Ian Bagshaw Fairstone 14 I Doncaster N Ian Chaplin Sovereign Wealth 12 R Ilkley Y
Dawn Patrick Burlington Financial 12 I Bridlington N
Dominic Fallon Sovereign Wealth 18 R Doncaster Y Robert Morse The Private Office 30 I Ilkley Y
Claire-Anne Quilter Financial 20 R Burnopfield N
Steven Bell True Potential 26 R Doncaster N Ben Town 2plan Wealth 109 I Keighley N
Lytton Advisers
Management
Charlene Love Bury Financial 14 I Bury N Loraine Hunt True Potential 11 R Doncaster N
Advisers Michael Hogg Hogg Financial 21 I Keighley N
Sophie Lackie Willson Grange 13 R Doncaster Y Planning
Brett Garlick Bury Financial 215 I Bury Y
Advisers David Forster Willson Grange 11 R Doncaster Y Richard Morris Skipton Building 11 R Keighley Y
Society
Danielle Gregory Fairstone 27 I Bury Y Cathy Smith Belmayne IFA 57 I Dronfield N
Chris Wheatman Advice Matters 28 I Kendal N
Abdul Khan Fairstone 17 I Bury Y Wayne Vernon The Private Office 44 I Dronfield Y Financial Planning
Jeremy Bostock Holcombe 64 I Bury N Leonard Birnie Tait Walker 37 I Durham Y Chris Hill Armstrong Watson 11 I Kendal N
Emma Holcombe 36 I Bury N Chris Breward Wealth of Advice 178 I Durham Y Amanda Heys Armstrong Watson 10 I Kendal N
Connaughton Guy Austin The Private Office 29 I Elland Y Justin Heap Swiftsure Wealth 12 R Knutsford Y
Paul Jones Mackenzie FP 30 I Bury Y Management
Debbie Mearns Avista Financial 13 I Ellesmere Port Y
Paul Lindfield Stratagem Financial 53 I Bury Y Planning James Larton Truly Independent 23 I Lancaster Y
Planning
Gareth Wallis Sandringham 28 I Ellesmere Port N David Toner True Potential 36 R Lanchester Y
Philip Slater Slater Financial 21 I Buxton Y Financial Partners
Helen Tansley Armstrong Watson 11 I Leeds N
Matthew Slessor Armstrong Watson 41 I Carlisle N Callum Tyrrell Fairstone 25 I Gateshead Y
Ashley Armstrong Watson 11 I Leeds N
Steve Shovlin Armstrong Watson 18 I Carlisle N Graeme Pegman Vital Wealth 62 I Gateshead N McCartney
Management
Marcus Dodds Armstrong Watson 14 I Carlisle N Richard Platt Clarity Wealth 82 I Leeds N
Andrew Capstone Financial 37 R Glossop Y
Darren Parker Celestial Wealth 10 R Castleford Y Williamson Management Darren Pickersgill Pickersgill Financial 89 I Leeds Y
Planning
Edward Brown BP Sanders 16 I Cheadle N Linda Ellis Skipton Building 10 R Guiseley Y
Society Mark Hinchliffe Sandringham 23 I Leeds N
Oliver Tuffy Retirement 18 R Cheadle N Financial Partners
Solutions Laurence Turner IFT Wealth 71 I Halifax Y
Management Tracey Bromley Sovereign Wealth 27 R Leeds Y
Jane Irvine Retirement 17 R Cheadle N
Toby Turner IFT Wealth 20 I Halifax N
Solutions Management Diane Watson Sovereign Wealth 10 R Leeds Y
David Gill Retirement 11 R Cheadle N Sheena Doherty Sovereign Wealth 42 R Halifax Y James Bowers Sovereign Wealth 10 R Leeds Y
Solutions Private Clients
Joseph O’Shea The Private Office 52 I Leeds Y
Angela Farrell Sandringham 47 I Cheadle Y Scott Palmer Novus Financial 16 R Harrogate N
Financial Partners Services John Metcalf The Private Office 38 I Leeds Y
View these advisers’ full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583 The information in these tables is correct as of January 13, 2020You can also read
