VouchedFor's 2021 Top Rated Financial Adviser Guide - Guiding you through life's financial decisions - Ascot Lloyd
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B R O U G H T TO YO U B Y DISTRIBUTED IN
VouchedFor’s 2021 Top Rated
Financial Adviser Guide
Guiding you through life’s
financial decisions
2 DISTRIBUTED IN BROUGHT TO YOU BY 3
Cover illustration by Ana Yael/Studio PI
INFO
UNDERSTANDING
DIFFERENT
Demand for The past year has presented
challenges in all walks of life,
ADVISER TYPES
What sort of adviser do you need?
Not all are the same, so it’s important
good advice is
to understand the different kinds and
and personal finances are no ensure you get help from a suitable
exception. It’s unsurprising, professional. Here’s our guide to
some of the main adviser types.
then, that expert advice
on the money
is more sought after than
ever – as leading review
site VouchedFor has found
FINANCIAL ADVISERS
These typically specialise in financial
planning, as well as savings and
investments, including pensions.
Some also help with mortgages,
£150bn
protection and equity release.
their advisers on the VouchedFor of clients put cover in place during
By David Prosser
‘People put website, which rose by
65 per cent during 2020.
a very difficult time,” she says.
“People often put this sort of thing has been tucked away by
H
as the Covid-19
pandemic prompted off these “We have never been busier,”
says Ian Pickford, head of
off but now they are keen to act.”
Setul Mehta, head of operations
households during the
pandemic, according to
the Bank of England
you to think more
carefully about your decisions financial advice at Mazars
Financial Planning. “Any kind
at financial and mortgage advice
network The Openwork MORTGAGE ADVISERS
55%
personal finances?
If so, you are far from alone: but now of disturbance causes uncertainty,
and in times of uncertainty people
Partnership, has also been busy
fielding questions from clients
Sometimes known as mortgage
brokers, these specialise in helping
a recent study carried out by naturally look at their personal about protection. “Some are people with home loans – advising
consultancy firm EY found they are circumstances. Covid-19 has eager to improve their insurance on which type of mortgage might
that 55 per cent of Britons are made everyone realise they need cover,” he says. “But we’ve also suit them best, for example, or
considering anew how to protect keen to act’ to plan their finances carefully talked to lots of people who are where to find the best deal. Some
and improve their financial and think things through.” struggling financially and of these also help with equity
wellbeing in light of the crisis. In some cases clients have wondering whether to cancel release and protection.
of Britons are rethinking
For some people, the driver has had immediate issues that they policies because they need the how they want to
been negative financial impacts wanted help with. Jane Hodges, money they’re currently spending protect their financial
from Covid-19. They may have managing director of Money on premiums each month.” wellbeing
lost their job or seen their income Honey Financial Planning, says In such cases, Setul’s firm has
fall, for example. But that doesn’t many got in touch when the tried to help clients find other
tell the whole story. Others have stock market lost a third of its ways to make savings so that they
found their finances improving value in a few short weeks as are able to keep crucial protection
over the past 12 months because, the pandemic hit the UK. policies going. “This is an example
while their income has not “It was easy to panic so we of where it might make sense to EQUITY RELEASE ADVISERS
been affected by the pandemic, wanted to stop people moving to consider taking a payment holiday
their outgoings have fallen cash in after the crash had already on their mortgage,” he says. “All These typically specialise in equity
as travel costs and opportunities happened,” she recalls. “We lenders agreed to allow borrowers opportunity to invest, so we’ve The list of specific Covid-19 different type of lifestyle.” Very to get advice, they are also release or later life mortgages.
INFO
for discretionary spending subsequently saw a new client who struggling financially during the talked to them about whether this issues prompting people to seek often, these changes are positive spending more time choosing
have disappeared. had previously done exactly that, pandemic to suspend repayments is the best way to use their extra out financial advice is a long one, and exciting but putting them into LIFE COVER ENJOYS the right adviser. Visitors to its
Whatever their circumstances, and lost 25 per cent of their pension for up to six months.” wealth,” Setul says. The Bank of but Ian Pickford of Mazars says practice on a permanent basis POST-COVID BOOST website during the first two
as households try to get on top fund.” By contrast, savers and At the other end of the England has estimated that savers he is also seeing an increasing requires careful financial planning, lockdowns spent an average of
EY’s recent study
of their finances they are seeking investors who sat tight have seen spectrum, Setul reports lots are sitting on an extra £150 billion number of clients with more spanning everything from 54 per cent more time reviewing
found 25 per cent of
professional help. VouchedFor, the markets make a recovery. of enquiries from potential amassed during the crisis. Setul’s fundamental questions. “The mortgage and housing advice to respondents agreed adviser profiles than before the
the service that helps people Protection products, such as homebuyers stemming from firm has also helped clients who pandemic has made some help with savings, investments that the pandemic had pandemic. They are certainly
find, rate and review financial life and health insurance, the decision by the chancellor, were remortgaging or moving individuals ask themselves and pensions. Clients may find affected their attitude doing their due diligence.
advisers and other professionals have been another important Rishi Sunak, to waive stamp duty house and had run into problems whether they want to change their their dreams within reach, Ian to protection insurance, That is good news, according
in their area, reports that this area of focus, says Jane, with the on property purchases and keep with lenders because of Covid-19. lives in quite radical ways – where says, but they need professional while 58 per cent of to Ian: “There is no typical client; PROTECTION ADVISERS
kind of support has never been pandemic having concentrated the housing market moving. Many mortgage providers are and how they live and work, for help to make them happen from them were feeling more everyone is different and they
more valued. One indicator of minds on how important it is to “Some interest is from those anxious about lending to those who example,” he says. “Some have a financial perspective. want advice tailored to their own These focus on products such as
positive towards
demand has been the number of ensure loved ones are properly who have been able to save have taken part in the government’s had more time to reflect and The evidence from VouchedFor needs. In that sense, the pandemic life insurance, health insurance
life-cover products.
users leaving five-star reviews of safeguarded. “We have helped lots more and see property as an furlough scheme, for example. others have just got used to a is that people are not only keener has been a catalyst.” and income protection.
CASE STUDY
D
Fotis assisted the pair in investing and to help them figure out what they turned out differently was a big
eb Rowles and Lyn Barrell say confident in the knowledge they had comfort at the time,” Lyn says.
their capital in a mix of ISAs and general truly want their life to look like, now ‘Our
SMART MOVES
they don’t know how they enough money to stop working. Deb and Lyn are continuing to work
coped before they had their “It was a huge step for us to come investment accounts using a low-cost, and in the future.
with their adviser to help with home
own financial adviser. out of a comfortable place of earning
well and having a certain lifestyle to
multi-asset, globally diversified portfolio.
Lyn, who worked as a graphic
“Deb and Lyn’s dream was to live in
Norfolk, to have a better balance in their
adviser renovation projects as well as estate
FINANCIAL COACHES
The couple have worked with Fotis planning. “Fotis is helping us work out These offer help with some aspects of
Joannou from financial advice firm
Sentient Wealth in Kent for a number
quitting work and living off pensions
and investments,” says Deb, who was
designer, says: “Thanks to Fotis’s
knowledge, reassurance and support,
lives and a better quality of life. They
didn’t think it was possible but, when helped the most tax-efficient place to take financial planning. They cannot advise
on investment or pension products.
money for the renovations, while in
of years to ensure that their money
is always working hard.
a headteacher at the time.
“We made some big changes, moving
we were able to take a big leap and we
are now very happily retired. He’s been
we looked at the cost of this ‘lifestyle’,
we were able to formulate a plan.” us take a the bigger picture we are looking at
a marvellous support for us.” Life doesn’t always follow the route ways to mitigate inheritance tax and
For Deb and Lyn, early retirement seemed Advice was initially centred on
mortgages and investments but in
from a house on the outskirts of London
to a smaller property in the Broadland Fotis stands by his mantra that the we might expect it to, though, as the big leap’ planning for long-term care should You can find a complete list of
most important thing an adviser can do couple discovered in 2016 when Lyn we need it in the future. advisers’ independent status (eg
a long shot. Then they spoke to a financial 2016, Deb, 60, and Lyn, 58, decided district of Norfolk.
“The profit we made on our London is to listen. “I mean, really listen,” he was diagnosed with cancer – from “I honestly don’t think people whether there are any restrictions on
they wanted to take early retirement. realise they need a financial adviser the products they can recommend),
adviser who devised a plan to achieve their They worked with Fotis to create the home and buying a smaller property says. “It is not all about dishing out
advice on products. A key part of my
which she has now fully recovered.
“Having Fotis make provisions in their life until they have one. I don’t qualifications and services at
right amount of capital along with a freed up capital that Fotis helped us
dream – and has been helping ever since budget that allowed them to retire to invest to generate an income.” role is to hear what is on a client’s mind, on the financial side in case things know what we would do without him.” VouchedFor.co.uk.
4 DISTRIBUTED IN BROUGHT TO YOU BY 5
CASE STUDY
en the ‘I discovered I could
h
W ce is retire straight away’
pri t...
rig h
If achieving financial freedom looks out of reach, growth and get him ready for
INFO get a second opinion. You might be surprised retirement. Robert decided he was
happy to continue working but when
R
the pandemic hit, and after months
Unders PRICELIST obert Pelley sought the of lockdown, that mindset changed.
advise tanding how
help of an adviser at “I lost the motivation and
The cost of advice will differ the beginning of 2020 enthusiasm for work – like many
rs fi
level a charge can i nancial
between firms according to to explore retiring from others, I’m sure – and in August,
how they price their services. his job as a computer software with more lockdowns on the
nd nf
But wh type of adv orm what
VouchedFor has searched its specialist in a few years. horizon, I decided to retire. I was
database to bring you the average He’d not worked with Madeleine glad I’d sought advice when I did
ile ic
investm sage couns e to seek.
fees charged for some of the most Sunley before, an independent and that everything was in place.”
common financial requests. These financial planner and the founder Robert started taking a monthly
e
costly ent portfolio l can boost
should help you gauge the likely of Blueberry Financial in Ascot, income from his pension, as well as
initial and ongoing costs involved. but it proved an ideal match. a one-off lump sum for a new car.
m s,
where istakes at ke preventing
“I was pleasantly surprised to Robert retired early Madeleine highlights how the
hear – after a comprehensive chat pandemic has changed a lot of
it could yl
really p ife stages is
and analysis of my pensions, plans. “Robert’s situation shows
AKING OUT A £200K
T savings, assets and aspirations for how it’s made many people focus
ay divi MORTGAGE lifestyle in retirement – that I could on what is really important in their
dends Average advice cost:
£419 (excludes fee-free
retire straight away if I wanted to,”
says Bristol resident Robert, 58.
lives, leading to changes in their
retirement plans. Financial advice
mortgage advisers) He went ahead with Madeleine’s is more than just pensions and
recommendations to consolidate his investments; it is crucial in helping
ETTING UP A £20K
S workplace pension schemes built up you make the right decisions for
ISA AND RECEIVING from employment over the years. your life, showing what is possible
ONGOING ADVICE This meant his savings were in the and helping you take the action
ABOUT IT right place to maximise potential to live the life you want.”
Average advice cost
over five years: £1,359
(£589 upfront, £770
ongoing management
teaching your seven-year-old charge an initial fee plus a adviser can only each year to stay up to date with over five years) After the markets crashed in INFO misled, you can take your case
By Joe Lynam what a fronted adverbial is.
This is where the advantages of
percentage of the value of the
investment, Life Matters prefers
‘Advisers bill you an ongoing
fee if they are
changes in industry regulation.
Whatever the charging I NVESTING £100K
March 2020, the message from
advisers was not to panic. Emily WHY IT’S NICE TO
to the Financial Ombudsman
(FOS). “Our profession is simple
engaging a financial adviser come one fixed charge determined by must tell providing an structure, an adviser must tell Turgoose of Life Matters cites the in that respect,” says Mike
W
AND RECEIVING STAY IN TOUCH
e’ve all thought to in. They have spent years learning the complexity of their clients’ ongoing service. you what their fees are before they ONGOING ADVICE cautionary tale of a would-be LeGassick from Manning & Co in
The International
ourselves: “How
difficult can it be
their trade, earning qualifications
and are bound by the rules of the
financial needs. “It means we have
a thorough conversation before we
you their In essence, you should
only pay for the value
take you on as a client. If an exact
figure isn’t possible, they will be
ABOUT IT
Average advice cost
client who sold his shares when
stocks started plummeting prior Longevity Centre’s
Cornwall. “The UK has become
a very litigious country. You only
2019 study found that
to shop around
and retrieve a few
Financial Conduct Authority (FCA).
Unless you work for HMRC, an
quote,” Emily adds. “We call them
‘made to measure’ fees.” A fixed fee
fees before they continue to add.
Location also has an impact
able to calculate a rough estimate,
or at a minimum tell you how
over five years £6,442
(£2,577 upfront, £3,865
to the first lockdown, before a bull
market in May recovered prices. “If retirees who maintained
have to look at all the daytime
TV adverts asking whether you
ongoing management a relationship with their
quotes?” After years of buying
and insuring, leasing and
adviser is probably not just better
equipped to navigate UK tax
also gives more clarity upfront
compared with a percentage levied
they take so it’s worth using a website such
as VouchedFor to compare. An
they determine the fee.
Research suggests it is money
charge over five years)
he had been a client, I would have
advised him not to have done that,”
financial adviser had as
have been mis-sold something
or been in an accident. Until the
much as 50 per cent
borrowing, saving and investing,
we feel empowered to make
changes but also provides valuable
objectivity, perspective and
on how assets perform, which won’t
be clear until the end of the year. you on’ adviser in central London may
charge more but there may also
well spent. A study by the
International Longevity Centre
CONSOLIDATING
THREE PENSION
she says “But, of course, IFAs can’t
stop a client making mistakes.”
higher average pension 1990s there was no requirement
to have a ‘reason why’ letter or
wealth than those who
the right call when it comes confidence that you’re making Other advisers may do things be more competition in busy in the UK, which looks at the POTS TOTALLING This market behaviour only took initial advice. ‘suitability report’ for advising
to financial transactions. Plus, the correct choices. differently, charging by the urban centres. If face-to-face impact living longer has on £250K, RECEIVING - the historical smoothing of someone to invest. Now you have
there’s the vastness of the “The real value comes with hour – around £185 on average correspondence is important to society, found that people who ONGOING ADVICE performance - is an example to have it otherwise you open the
internet as back-up. the non-financial advice,” says – or a set fee for work, such as you post-pandemic, then make took professional financial advice ABOUT IT of why 25 per cent of those who business up to legal recourse.”
While this may be true to an Emily Turgoose from Life Matters inheritance tax planning or sure your chosen adviser is in were, on average, £47,000 better Average advice cost received financial advice felt The FOS requests paperwork
extent, consider the financial Financial Planning. “There’s helping you decide the best course your vicinity or you can travel. off over a decade in retirement over five years: £14,265 optimistic in the wake of the to make sure the IFA was
(£5,400 upfront, £8,865
cost of a miscalculation: even a a major distinction between of action for accrued pension pots. FCA-approved qualifications than those who chose to go it ongoing management
financial downturn, according transparent when providing
mortgage taken out at 0.5 per cent financial advice and financial With lifestyle requirements or will have a bearing on fees too. alone – with the bigger benefit charge over five years) to research into investors’ advice before making judgment.
above what a shrewd adviser planning because the latter gives the performance of investments Most financial qualifications are enjoyed by the less well off. The emotional wellbeing by Dynamic If lockdown has given you time
could have sourced, or the value you that peace of mind, which is constantly in flux, others may assessed under the Qualifications report also found that those who TAKING OUT Planner and Henley Business to research mortgages, pensions
of your time in working it all out. so important. You want someone offer a monthly fee for a retained and Credit Framework (QCF), receive advice are more confident, A £250K LIFE School. There’s no denying the or investments, you may already
Are you confident researching who takes the time to show you number of hours or charge a graded from level one to level worry less about money and are INSURANCE POLICY seismic impact of the pandemic be wondering if the question isn’t
prices, tax legislation, interest where the pain points will be and percentage of the value of the eight. Every financial adviser who better prepared for life after work. No advice fee. but if the figure still seems low it’s what the initial cost of taking
rates, yields and future earnings advise on cashflow. For example, assets under management, for sells investment products must Yet less than one in six Adviser takes fee in comparison to just 12 per cent advice is, but what the cost of
for a major financial investment if you want an expensive lifestyle example 0.8 per cent. also have a current Statement of people in Britain actually take from commission of those who didn’t receive not taking advice could amount
or change of circumstances in retirement, you’ll need to save A guiding principle is that Professional Standing, indicating financial advice, and those professional financial counsel. to. If not, and you are still
without missing an opportunity? for it during your working life.” unless you’re paying off an they have signed up to a code of who do are usually individuals HOURLY FINANCIAL If your investment bombs or deliberating over advisers fees, it
Your time might be better spent Where some Independent initial charge over time through ethics and have completed at least who already have assets and ADVISER FEE you start facing unexpected may be time to check the meaning
£185 (average)
learning that new skill or Financial Advisers (IFAs) might a regular payment product, an 35 hours of professional training enjoy a decent income. charges, and feel you’ve been of the term “false economy”.
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INFO
Increases seeded in the spring budget won’t be come from a freeze in the pensions
lifetime allowance, which imposes
“Make sure you use your pension
and individual savings account
felt straight away but most of us will ultimately punishing tax charges on those who (ISA) allowances,” she says. “Also,
HOW EQUITY Industry body the ERC is out to remake
the image of equity release by offering
notice their effect. With a little careful planning,
build up private pension savings
above a set level. The frozen capital
you have tax-free allowances to
use every year, including the
RELEASE IS PUTTING
Are you
protection from bad practice. And with the gains tax allowance – how much personal savings allowance,
age of those drawing on their property’s profit you can make on investments the dividend allowance and the
though, many people could soften the blow
ITS HOUSE IN ORDER
value dropping, there’s even more demand each year without paying tax – will capital gains tax allowance. You
for responsible, long-term expert advice bring in another £65 million. may need an adviser to navigate
practice. As people’s incomes The government says these tax the best way to do all this.”
E
By David Prosser increase, this should raise more increases – more than £21 billion Some aspects of the budget
quity release is a way of taking used to urge them to sell the property than £19 billion in extra tax over for individuals alone over the next changes are quite complicated,
ready for
out a loan against the value of IF YOU’RE LOOKING and repay the full principal of the loan. the next five years. five years – are necessary to repair warns Ian Pickford, head of
your property to provide you INTO EQUITY Lenders have introduced ‘lifetime Similarly, the chancellor damage done to the public finances financial advice at Mazars
R
with liquidity – either as a lump mortgages’, so being forced to sell
RELEASE, ishi Sunak appears announced he would freeze the by the Covid-19 crisis. Financial Planning. For example,
sum or by drawing down cash as you up doesn’t have to happen.”
CONSIDER THE to be a fan of inheritance tax thresholds, which However, with so many changes, to work out whether you are
need it. It’s generally only available Equity release has been criticised
to those aged 55 and over and is FOLLOWING STEPS for firms taking advantage of St Augustine, govern how much you can pass people will often need professional affected by the pensions lifetime
traditionally used as a way to help fund consumers’ need for cash. Examples whose most famous on to your heirs without any tax help, says Jane Hodges, managing allowance, you will need to
1. TAKE ADVICE
tax rises?
retirement, with your property helping of bad practice include properties prayer was, “Oh liability, over the same period. He director of Money Honey Financial make some estimates of future
Consult an adviser Lord, make me chaste – but not expects this to raise an additional Planning, who points to the steps investment returns; the income
to pay off the debt when you die. specialising in equity being undervalued by equity release
It typically comes in two forms: home providers, so homeowners receive far yet.” The chancellor’s spring £1 billion. A further £1 billion will you can take to protect yourself. tax changes, meanwhile, mean
release for an unbiased budget included an array of tax higher earners may pay punitive
reversion, where you sell your property view on whether it’s less than they would have had they
but have a legal right to continue living your best option. sold on the open market. Or customers increases for both businesses rates on some of their income.
and individuals, but most of “It is possible to plan to avoid
6
there; or a lifetime mortgage, where taking out a lifetime mortgage only to
3
Investments including venture
you take out a loan against the sale find high rates of compounded interest them are not coming into effect capital trusts (VCTs) and the tax traps such as the lifetime
2. USE ACCREDITED
of the property in the future. Both swallow up their estate’s value, and until next year, or even later. enterprise investment scheme allowance charge and the
options mean you can carry on living PROVIDERS with it their loved ones’ inheritance. Even so, it will pay to think 65 per cent tax trap on income
Make sure your (EIS) offer additional tax breaks
in your home and will have cash to The good news is that the industry about these tax rises ahead of for savers who have used up between £100,000 and £116,000,”
fund your living costs - or whatever provider belongs to the has become more transparent and
Equity Release Council. time. With advance planning, their ISA allowances. Ian says. “You should also
else you wish to use the money for. responsible in recent years, led by the it may be possible to mitigate be planning to maximise your
body set up to protect people from some of the increases, or to take WAYS TO BECOME tax breaks and to structure your
4
3. CHOOSE THE Potential inheritance tax
losing out with these schemes, the advantage of opportunities investments to minimise tax.”
‘Some parents RIGHT FORM OF Equity Release Council (ERC). The ERC before they disappear. MORE TAX liabilities can be reduced with
careful planning. For example, That said, it is also important
EQUITY RELEASE
Lifetime mortgage or
has drawn up a Statement of Principles, One such case is in the EFFICIENT you may be able to give away not to let the tax tail wag the
want to gift home reversion
a set of rules and objectives, to ensure
customers get a good deal, and all of its
housing market, where Sunak
announced an extension of the
assets that reduce the value investment dog. It is never a
good idea to make savings and
Make use of your annual of your estate, or use trust
1
scheme? It will depend members have signed up to it. So the
money to their on your circumstances. first step for anyone considering equity
stamp duty holiday on purchases
of properties worth up to
individual savings account (ISA) structures to protect parts
of it from tax.
investment decisions purely for
tax reasons – they should reflect
release is to check their potential allowance, through which you
kids and reduce 4. BORROW provider is a member of the ERC. £500,000. There will now be no can shelter savings and your financial objectives and your
5
tax to pay on these until the end investments worth up to Make use of the annual individual circumstances.
IN STAGES For example, its regulations now
inheritance tax’ With a lifetime mean you cannot be evicted from your of June, followed by a further
three months of reduced stamp
£20,000 a year from tax allowances that mean you
earn interest on savings,
This is an area where financial
advice can be hugely valuable,
mortgage consider a own home irrespective of how acute on income or profit.
duty until the end of September. receive dividend payments with advisers able to help
series of smaller loans, your debt burden becomes. The ERC and make investment profits
With so many Britons having their As for planning ahead for savers and investors pinpoint
2
to pay less interest over also guarantees that you will never pass Take advantage of income tax
wealth wrapped up in property, it’s an tax increases, the scale of the with no tax to pay – these are opportunities that reflect their
time. Try to pay off the on more debt than the value of your relief on pensions savings. It
increasingly popular choice. Despite the challenge is clear from the worth £1,000, £2,000 and appetite for risk. “If you are happy
interest as you go so it home - even if the property value costs additional, higher and
uncertainty of Brexit and the disruption “Red Book”, the small print that £12,300 respectively. to take more risk with part of your
doesn’t compound. collapses due to a housing market basic rate taxpayers £550, £600
of a pandemic, £3.9 billion of equity was crash. For those whose changing the Treasury publishes alongside and £800 respectively to pay portfolio, a good option might be
released in this way in Britain last year,
6
financial fortunes mean they are in a the budget to explain the detail £1,000 into a private pension. Take professional financial tax-efficient investments in
on a par with 2019. The average age of 5. CHECK YOUR
position to pay off a lifetime mortgage of its announcements. But keep an eye on the annual advice on how to implement smaller companies that benefit
those taking out equity release is BENEFITS SITUATION these tax efficiencies so that
Equity release may early, the council is also working with For example, the chancellor allowance, which limits most from tax reliefs,” says Jessica
dropping and it’s easy to see why it banks and building societies to cap to annual pension contributions you arrange your finances,
seems an enticing proposition, with affect whether you announced that income tax Franks, head of tax at Octopus
early repayment charges. thresholds – the level of income of £40,000, or their income including your savings and Investments. “For example,
interest rates at an all-time low and continue to get investments, in the most
benefits, which could Releasing equity from a property still you can earn before paying tax or if lower. Watch out for the venture capital trusts, which tend
the feeling of security that comes with needs to be carefully thought through pensions lifetime allowance, appropriate manner for
remaining in familiar surroundings. make it a poor option. paying it at a higher rate – will be your individual needs. to invest in early stage start-ups,
and alternatives considered, such as frozen until the 2025-26 tax year, which imposes tax on funds provide tax-free dividends and
However, Paul Saroya, director of whether downsizing would be a better worth more than £1,073,000. Everyone is different.
Viva Retirement Solutions, says the 6. CONSIDER rather than increasing in line growth as well as 30 per cent
move, so a trusted financial adviser can with inflation as is normal upfront income tax relief.”
motivations for equity release are ALTERNATIVES be worth the fee here. However, equity
widening: “Parents want to gift money Look at alternative
release can also offer flexibility and
to their kids with a ‘warm’ hand and sources of income,
choice and, through the ERC, the
reduce inheritance tax. Others are such as downsizing,
More focus on loved ones and legacy
guarantee that you’ll never be forced
looking to pay off an interest-only before making a
out of your home. “That can never
mortgage. When people are coming to final decision.
happen,” Paul says. “You’re free to live
the end of their term, high street banks there until long-term care or death.”
financial wellbeing. More advisers reduces over time, the potential Liam cautions against just opting
By Joe Lynam are specialising in life cover, and payout reduces too. for the cheapest premiums. “You
VouchedFor, a service that helps An alternative is a whole-of-life need to consider the value of the
A
people find those with the best policy, which as the name suggests plan, the service from the provider
lmost 126,000 people reputations, now provides a separate covers you until you die and is and the claims experience, should
in the UK have list of specialists within its guide. typically more expensive as a it be needed. Advisers can help you
died as a result of There are different types of life result. A life insurance payout through the process.”
Covid-19. That’s more insurance. Term insurance is the does not always have to be taken Contrary to public scepticism,
than the number of simplest option: you choose a policy as a lump sum either. For example, payout rates for life cover are
British civilians killed in both world to cover you for a fixed number of a family income benefits policy high, with a 97.4 per cent payout
wars. The shocking loss of life years. If you die within that period will pay out a monthly income to for term life insurance and
should abate with the rollout of it will pay out but if you live longer, beneficiaries until its expiry date. 99.99 per cent for whole-of-life
vaccines, but it has already focused the premiums aren’t returned. Term As for the cost, premiums depend policies, according to figures
the thoughts of millions on their insurance can also be increasing, on age, lifestyle, profession, health, from insurer Liverpool Victoria.
own mortality. Should we die before level or decreasing, so the potential and the type and size of a policy. Liam cautions that not disclosing
we expect to, we would like to think payout may change over time. “Generally, the younger you are and relevant personal information
our dependents might inherit A typical example might be a the healthier you are, the lower the – particularly about your health
something more positive than decreasing term policy designed premium you will pay,” says Liam – when setting up a policy could
a financial headache. That’s why to cover a large repayment Richards, director of Owl Financial, have “a profound impact on you or
minds have turned to life insurance. mortgage. Should you die before a protection-focused advice firm. your loved ones when you come to
A 2020 poll by consultancy firm your mortage is cleared, you want “Insurers decide the premium make a claim”. If in doubt, disclose
EY found that 58 per cent of those the peace of mind that the bill based on how likely you are to it. The figures show that when set
surveyed agreed that Covid-19 won’t have to be picked up by make a claim – younger, healthier up in the right way, plans will pay
had made them re-evaluate their your dependents. As the mortgage people make fewer claims.” out in the desired manner.
8 DISTRIBUTED IN BROUGHT TO YOU BY 9
INFO VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS
The guide’s mission HOW TO USE THE GUIDE
All of the Top Rated Advisers invited scrutiny by encouraging
their clients to review them on VouchedFor.co.uk, and all
Anthony Baynham
Tom Driver
Jason Strain
HB&O Financial
Services
HB&O Financial
Services
HB&O Financial
26
33
32
I
I
I
Leamington Spa
Leamington Spa
Leamington Spa
N
N
Y
Neil Gilbourne
Illa Pujara
Daniel Nash
3R Financial
Services
Skipton Building
Society
Nash Wealth
236
80
19
I
R
I
Newark
Newark
Northampton
Y
Y
N
Andrew Fell
Andy Betts
Sukh Sahota
Fairstone
Towcester Financial
Planning
CFS Wealth Planning
15
25
34
I
R
R
Towcester
Towcester
Walsall
Y
Y
Y
received excellent feedback and passed multiple checks. To Services Management
Michael Future Perfect 17 R Walsall Y
help you dig a little deeper and decide which adviser may be Lisa Millward Millward Wealth 119 I Leamington Spa N Mark Hipkiss Skipton Building 35 R Northampton Y Mullen-Hughes
With the release of its 2021 Top Rated Financial Adviser Guide, VouchedFor best suited to you, we’ve pulled together these extra tips… Management* Society
Lee Gardner Gardner Financial 118 I Warwick Y
aims to provide greater transparency for those seeking financial advice
Lee Barton Bosworth Wealth 41 R Leicester Y Rebecca Aldridge Balance: Wealth 80 I Nottingham Y Management
1. UNDERSTAND inviting reviews from all of Management Planning
Paul S Johnson Johnson Savage 21 R Warwick Y
THE DIFFERENT their clients (if, for instance, Peter Holden Fairstone 12 I Leicester Y Consultancy
John Crichton Grange Estates 205 I Nottingham N
ADVISER TYPES they work with several clients Wealth Management
from March to December 2020 who do not have email Gary Metcalf Gemini Wealth 146 I Leicester N Ray Coker Sandringham 10 I Wellingborough N
which means we’ve checked with The different types of advisers
– that’s a 65 per cent increase addresses), but it’s important Management Scott Rogers Rogers Wealth 18 R Nottingham N Financial Partners*
Alex Whitson, on the same period in 2019.
the Financial Conduct Authority can be confusing, particularly to understand this up front.
Management
Andrew Reeves The Investment 121 I Wellingborough Y
(FCA) and/or their firm’s senior as their services often overlap, Nilesh Patel Positive Solutions 10 R Leicester N
managing The 2021 Top Rated Financial
managers that they have the
David Murden Sense Financial 90 I Nottingham Y Coach
Adviser Guide sets out to give the so for instance a financial 3. READ REVIEWS LEFT Lauren Herrick PSA 28 I Leicester N Solutions
director, necessary permissions to practise. adviser may also offer
Alan Moran Interface Financial 49 I West Bromwich N
millions of Britons who could BY PEOPLE LIKE YOU Andrew Fennell Succession Wealth 11 I Nottingham N
Planning
VouchedFor benefit from advice, but have not
We also check members’ mortgage advice. We Alan Turton Rowley Turton 12 I Leicester N
Tony Richard Ashwood Law 13 R Wigston N
recommend reading the On VouchedFor you can filter
W
identity, qualifications and reviews Scott Gallacher Rowley Turton 114 I Leicester Y Stephen Hunt Better Retirement 61 I Oakham Y Wealth Management
yet sought it, confidence to engage. article at the start of this advisers’ client reviews based Group
hen the Top Rated and monitor news outlets and the
The articles will help people guide to better understand on criteria such as the service Bharat Chudasama Tudor Franklin 47 I Leicester N Ian Morris Fairstone 35 I Wigston Y
Financial Adviser outcomes for anyone who contacts Charlie Reading Efficient Portfolio 94 I Oakham N
understand the advice landscape what each adviser does. received and client age. An
Guide was published an adviser through VouchedFor. A definitive list of each Top adviser with lots of positive
Kristian Vind Chapter House 35 I Lichfield Y Jo Singh Fairstone 10 I Wigston Y
and whether it could benefit them. Wealth Management
Nick Henbrey Smith Eliot Financial 28 R Oakham Y
on February 8, 2020, At the end of the guide you will Rated Adviser’s services can reviews from people like you Management Matt Jeffery Fairstone 38 I Wigston Y
The tables celebrate the financial,
who could have thought Covid-19 find the Top Rated Firms section. be found on their VouchedFor may be a better fit than an Rory Menmuir Charles Stanley 24 R Lichfield N
mortgage, protection and equity Sarah Seeley Kind Wealth 12 R Oldbury Y
Clive Langley PSA 24 I Wigston N
would have such a lasting impact? These firms regularly invite all profile. Visit VouchedFor.co.uk adviser with lots of glowing
release advisers who have gone Fiona Monro AFH Wealth 19 I Lincoln N
Dean Clifford Goddard Perry 67 I Pershore N
Five weeks later we were plunged clients to review them and have and search by adviser name reviews from people with Management Jeevan Matharu Wealth At Work 41 I Wigston Y
above and beyond for their clients to find their profile. very different requirements.
Consulting
into a UK lockdown and so began achieved exemplary feedback. Samuel Robinson Almond Financial 34 R Lincoln N
– as decided by those clients. Simon Millward Millward Wealth 92 I Rugby N Gemma Simpson Ascot Lloyd 18 I Wolverhampton N
one of the most uncertain, difficult VouchedFor’s mission has
Advisers on the following pages 2. ASK HOW MANY 4. LOOK AT THE MOST Ian Francis Chestnut Financial 17 I Lincoln Y Management*
periods in many of our lives. always been to help people get the Daniel Morris Prosser Knowles 31 I Wolverhampton Y
have received the highest volume CLIENTS THE ADVISER HAS RECENT REVIEWS Services Associates
One positive to emerge is how best advice. It’s the North Star that Akhil Satsangi P K S Associates 57 R Rugby N
of positive client reviews on James Espin IQ Financial Advice 93 I Lincoln N
financial advisers have stepped up guides every decision we take and It’s helpful to know what As with anything, excellent Mark Neal PJL Financial 39 I Rugby Y
Gary Singh Sigma Wealth 39 I Wolverhampton N
VouchedFor.co.uk since the start Partners
for clients. Transitioning to deliver every campaign we launch. This percentage of an adviser’s recent reviews are a stronger Steve Fowler RetireInvest 30 R Lincoln N Services
of 2020. In total, 2,052 advisers
advice remotely, they’ve helped guide is an important part of that clients have reviewed them indicator of current service Nicholas Morris Clarity Wealth 22 I Shrewsbury N
Matthew Williams Ascot Lloyd 27 I Worcester N
from 1,116 firms are included here. on VouchedFor – 20 great levels than excellent older
Paul Boutle RetireInvest 17 R Lincoln N
clients navigate concerns about job Management
They amassed 36,942 reviews in reviews for an adviser who reviews. The VouchedFor
Mark Davis Bransford Financial 35 I Worcester Y
security, pensions and much more. Keith Carrington Skipton Building 39 R Lincoln Y Joe Allen Hoyl Independent 13 I Shrewsbury N Planning*
2020 (96,916 all-time) with an has 40 clients is usually a platform makes it easy for Society
The value to clients is clear, with Advisers Richard Powell Skipton Building 58 R Worcester Y
average rating of 4.9 out of 5. better indicator of quality advisers to invite regular
more than 41,000 five-star reviews Julie Buxton AFH Wealth 34 I Loughborough N Society
As well as being endorsed by than 20 great reviews for an reviews from their clients, Management
Jtinder Braitch Jtinder Braitch 73 I Shrewsbury Y
posted on VouchedFor.co.uk, the adviser who has 80 clients. including enabling advisers Simon Mansell Temple Bar 101 I Worcester N
at least ten clients, each adviser is a Mark Davies Charles Stanley 23 R Smethwick N
UK’s largest adviser review site, Sometimes there are valid to automatically invite Jordan Wong Chesterton House 19 I Loughborough Y
verified member of VouchedFor, Alex Whitson Financial Planning
EAST OF ENGLAND
reasons for advisers not annual follow-up reviews. James Richards Ernest Grant 21 I Solihull N
Ajay Naik Fairstone 36 I Loughborough Y
Paul Glover Ernest Grant 48 I Solihull N Thomas Yallop Parklands IFA 14 I Beccles N
VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS Killian Kirkpatrick First Service 23 I Loughborough N
Paul Ross Landmark IFA 83 I Bourne Y
Financial Gordon Symes Jerroms Financial 53 I Solihull Y
Planning
These advisers received the highest volume of positive 2020 Matthew Speakman Schroders Personal 30 R Birmingham N
Luke Baker Create Financial 97 I Derby N
Robert Lallo Sandringham 34 I Loughborough N
Management Henry Metcalf Golden Oak 47 I Cambridge Y
client reviews on VouchedFor.co.uk. Each is a fully verified Wealth Financial Partners* Steven Rowe Lucent Financial 97 I Solihull N
Planning
member of VouchedFor, as well as being endorsed by more Simon Duffield- Schroders Personal 19 R Birmingham N Chris Dunn Orridge & Dunn 110 I Derby N
Matthew Walne Santorini Financial 38 I Loughborough Y
Harding Wealth
than ten clients. They have the necessary permissions to Planning* Gem Durham Obsidian Financial 58 I Solihull Y Steven Edwards Hargreaves 65 R Cambridge Y
Stuart Orridge Orridge & Dunn 104 I Derby N Lansdown
practise from the Financial Conduct Authority, and also Lloyd Batey Skipton Building 45 R Birmingham Y
Tracey Mather Tracey Mather 41 R Loughborough Y Natalia Lingiah Sandringham 71 I Solihull Y
Society Martin Harvey Trust Will Plan 30 R Cambridge N
undergo several other checks and ongoing monitoring. Wealth Management Financial Partners*
Tim Clay Succession Wealth 21 I Birmingham N Matthew Donovan Hoyl Independent 23 I Cromer N
James Pillinger Profusion Wealth 56 I Derby Y Ross Evans Flying Colours 15 I Louth Y Pavan Chamba Skipton Building 45 R Solihull Y
Management Advisers
CENTRAL ENGLAND Stacey Chamberlain Succession Wealth 14 I Birmingham Y Finance Society
Paul Harman Profusion Wealth 57 I Derby Y Alan Curtis True Potential 38 R Louth Y Paul Stewart 2plan Wealth 15 I Southwell N Adam Tebbutt Foundry Wealth 13 R Dereham Y
Sean Rebbetts Succession Wealth 14 I Birmingham Y Management
ON
Management
B.
S
PU
TI
EW
Alan Griffiths Hoyl Independent 52 I Dereham N
S
Joel Leversedge Leversedge Wealth 10 R Ludlow N
ME
U
CA
Gemma Murden Talent Financial 58 I Derby Y
RM
Chris Guttridge True Potential 139 R Birmingham Y Advisers
AT
ES
VI
Mitchell Robinson PSIAM 28 I Southwell N
NA
LO
Planning Management
ST
RE
FE
FI
Kira Sehmbi True Potential 46 R Birmingham Y Anthony Crockert Iceni Financial 48 I Dereham N
Jason Harris AFH Wealth 17 I Alcester N Emily Newman Jane Newman FP 21 I Droitwich Y James Slowey Gransha Financial 56 R Lutterworth N Leighton Parkes Prosser Knowles 25 I Stourport on N Advisers
Management Services Associates Severn
Dave Hadley Prosperity Wealth 17 I Brierley Hill Y Adrian Pepper Hoyl Independent 28 I Fakenham N
Philip Truscott Truscott Wealth 109 I Alfreton Y Ajay Badiani Intelligent Financial 46 I Lutterworth N Michael Harvey Charters Private 47 I Stratford upon N Advisers
Management Sarfraz Munir AFH Wealth 16 I Bromsgrove N Jane Newman Jane Newman FP 139 I Droitwich Y Advisory Wealth Avon
Management David O'Kane D O'Kane Financial 52 I Great Yarmouth Y
Adam Rhodes Rhodes Wealth 36 R Ashbourne Y Stuart Neale SN Financial 67 I Droitwich Y Robert Burns Beaufort Financial 10 I Malvern N Pippa Cuciurean True Potential 39 R Stratford upon Y Services
Management Bobby Dhesi AFH Wealth 41 I Bromsgrove N Services Planning Avon
Management Paul Miller Hoyl Independent 37 I Great Yarmouth Y
Andy McGowan Charles Stanley 17 R Edgbaston N Paul Urmston Fresh Approach 72 I Malvern Y Martin Brennan Ethical Adviser 57 I Sutton Coldfield Y Advisers
Sharon Burton Ashwood Law 22 R Ashby de la N Darren Mason Ascot Lloyd 24 I Bromsgrove N
Wealth Management Zouch Christopher James Ewing Associates 22 R Huntingdon N
Stuart McDarby AFH Wealth 45 I Evesham N Martin Johnston HDA Chartered 21 I Malvern N Nicholas Whittaker Four Oaks 28 R Sutton Coldfield Y
Thomas Morgan True Potential 37 R Bromsgrove Y Management Financial Planners*
Chris White Cobens Wealth 95 I Ashby de la N
Management Zouch Christopher Harris Harris Associates W 12 R Huntingdon N
Eugenie Cameron HDA Chartered 56 I Malvern N Amanda Reid Gemini Wealth 162 I Sutton Coldfield N M
Nasreen Akhter Whateley Wealth 85 I Bromsgrove N Karl Thorpe AFH Wealth 31 I Evesham Y
Management Management
David Farrance Consequential 29 I Bewdley Y Management Financial Planners*
Planning Phil Oddy Phil Oddy Financial 12 I Long Stratton Y
Declan Kiely Claremont Financial 23 R Broughton Y Mark Popple Intuitive FS 45 R Sutton Coldfield Y Solutions*
Richard Bishop Premier Practice 40 I Halesowen Y Frances Ford Major Oak Wealth 32 R Mansfield Y
Planning Astley Management
Daniel Chadwick AFH Wealth 10 I Birmingham N Louise O'Reilly Intuitive FS 57 R Sutton Coldfield Y Phil Ball Norfolk & Suffolk 32 I Lowestoft Y
Management Anthony Ward Blackstone Financial 12 I Henley in Arden Y CFP
Shane Fox Principle Financial 92 I Coalville Y Abigail Brown AFH Wealth 34 I Market N
Services Management
Management Harborough Helen Blackburn Oaklands Wealth 89 I Sutton Coldfield Y
Mandeep Singh AFH Wealth 60 I Birmingham Y Matthew Beck Smith & Pinching 17 I Lowestoft N
Management Goss Lumsden Prosser Knowles 12 I Hereford N Management
Daniel Sperber Coleshill Wealth 11 R Coleshill Y
Management Associates David Bolton Fairstone 20 I Market Y
Matthew Hackett Skipton Building 55 R Sutton Coldfield Y David Spark David Spark 11 R Newmarket N
Simon Carroll AFH Wealth 15 I Birmingham Y Harborough
Management Benny Liu Beaufort Wealth 15 I Coventry Y Claire Markham FH Manning Financial 54 I Horncastle Y Society
Services Paul Eason RMI Independent 31 I Market Y David Glover Hoyl Independent 25 I North Walsham N
Management Advisers
Rudy Smith Ascot Lloyd 25 I Birmingham N Harborough Ross Foxall Warwick Wealth 20 I Sutton Coldfield N
Financial Advisers
Stef Goodwin Close Brothers Asset 39 R Coventry Y Anthony Richards Punter Southall 50 R Ibstock Y Management
Wealth Neil Marsden Alan Boswell 46 I Norwich Y
David Neale Beckford James 17 I Birmingham N Management Daniel Thompson Sovereign Wealth 38 R Market Y
Hannah Cowell 2plan Wealth 163 I Swadlincote N
Harborough
Robert Boland Cotswold IFS 43 I Coventry N Brian Flindall Credencis 104 I Ilkeston Y Management
Michael Shepherd Beckford James 67 I Birmingham N
Linda Dominiak Tantum Financial 14 I Market Y KEY
Adam Rudnicki Cotswold IFS 11 I Coventry Y Kevin Holleron Holleron Wealth 46 R Ilkeston Y Mark Johnson Integritas Financial 100 I Swadlincote Y
Richard Venner Charles Stanley 71 R Birmingham Y Services Harborough
Management Planners
FIRM
Martin Brown Essential Money 26 I Birmingham Y Craig Bonsor Jalapeno 29 I Coventry N Mark Rodgers Ascot Lloyd 23 I Matlock N Ian Laker Bosworth Wealth 30 R Tamworth Y
Alan Crowley Financial Design 97 I Kenilworth Y Top Rated Firm (includes trading names of Top Rated Firms), more on p23
Management
Thomas Dickson Essential Money 145 I Birmingham Y Paul Grice Jalapeno 38 I Coventry N Paul Rose Sandringham 42 I Matlock N STATUS
Alex Johnston Succession Wealth 26 I Kenilworth Y
Financial Partners* James Hawksworth Zenith Financial 57 R Tamworth Y
I Independent financial adviser
Gary Franklin GRF Wealth 64 I Birmingham N Adrian Middup Jalapeno 21 I Coventry Y Planning
Ravinder Thind JPA Financial 80 I Kingswinford Y Cat Eley-Gaunt Elegant Wealth 72 I Melton Mowbray Y R Restricted financial adviser
Management Services
Graeme Lewis Rothesay Bennett 33 I Coventry N Management Peter Sargeant Carl Summers 14 R Telford Y
Financial Planning FEES PUBLISHED
Laura Thursfield Mazars Financial 26 I Birmingham N David Stokes HB&O Financial 15 I Leamington Spa N
Planning* Alasdair Walker Handford 59 I Melton Mowbray Y Marc Derbyshire Croft & Oakes 59 I Telford N N N o, this adviser does not display their fees structure on VouchedFor.co.uk
Paul White Cedars Wealth 33 R Derby N Services Aitkenhead & Walker
Management
Y Yes, this adviser does display their fees structure on VouchedFor.co.uk
George Kapositas Professional Capital 63 I Birmingham N Rikesh Bhatt True Potential 23 R Telford N
Thomas Dawe HB&O Financial 17 I Leamington Spa N Wayne Evison 3R Financial 43 I Newark N
Stephen Jones Clear Solutions 38 I Derby N Services Services
View each adviser’s services and qualifications, and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583 The information in these tables is correct as of March 12, 2021 The information in these tables is correct as of March 12, 2021 View each adviser’s services and qualifications, and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583
10 DISTRIBUTED IN BROUGHT TO YOU BY 11
VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS VOUCHEDFOR’S TOP RATED FINANCIAL ADVISERS
EAST OF ENGLAND Filip Slipaczek Slipaczek Chartered 263 I Barnet N Frazer Horton Edward Frazer* 55 I Gravesend N Barnaby Balkwill Ablestoke Financial 39 R Moorgate Y Alex Shields The Private Office* 26 I Selhurst Y Clive Lewis LMP Wealth 36 R Wanstead Y
FP Planning Management
Bob Rains Heritage Wealth 13 R Gravesend N Hugo Sparks Clarence Place 15 R Shacklewell Y
B.
ON
Mark Flannery F3 Wealth 41 I Beckenham N Steve Midgley Black Swan Financial 42 I Moorgate N Wealth Management Ross Crake Osprey Wealth 35 I Warlingham Y
S
PU
EW
S
Planning*
TI
Management
U
ME
CA
ES
Michael Margai Perfect Protect 45 R Greenhithe Y
AT
VI
RM
Lawrence Gold Gold Wealth 19 R Beckenham N Rakesh Sharma Albany Finance 10 I Sidcup N
FE
NA
LO
ST
RE
Andrew Peters Black Swan Financial 53 I Moorgate N
FI
Management Sarah Drakard Cruze Financial 81 I Watford Y
Edward Richardson Quilter Financial 47 R Greenhithe Y Planning* Solutions
Advisers Ravi Dadlani Abacus Associates 31 I Soho N
Tony Robinson Alan Boswell 12 I Norwich Y Alex Danks Danks Financial 14 R Bexley N
Planning Rob Young Black Swan Financial 28 I Moorgate N Jonathan Willis Future Start 54 I Watford Y
Neil Jenkins Fintegrity* 13 I Greenwich Y Planning* Sam Sloma Engage Financial 33 I Somers Town Y
John Whitehead Alan Boswell 18 I Norwich Y Services
Christopher Wotton Wotton Wealth 40 R Bexley Y Alex Norwood N2 Asset 17 I West Byfleet N
Management Daren Wallbank Ginkgo Financial 52 R Greenwich Y Patrick Foley Bournebridge 14 I Moorgate N Management
David Perry Alan Boswell 14 I Norwich Y Financial Services Simon Ben-Nathan Arkenstone Wealth 42 I Southfields Y
Rebecca Harbrow Blue Heron Financial 24 R Bishopsgate N Management
Carl Mountain 2plan Wealth 64 I Hampton Court N Shabaz Hussain Stratos Wealth 10 R West Green Y
Lewis Jones Ascot Lloyd 14 I Norwich N Services Paul Gray Cavendish Brooke 28 R Moorgate Y Management
Management Financial Tom Donlea Castell Wealth 11 R Southfields Y
Tom Kesterton Eclipse Financial 11 R Blackheath Y Management Management
Robert Beevor Hoyl Independent 34 I Norwich N Dipen Tanna Dipen Tanna Wealth 10 R Harrow N John Symonds Talis IFA 13 I West Heath N
Advisers Planning Management Ed Smith Fairstone 13 I Moorgate Y Nisheet Shah Insight Financial 35 R Southgate N
Services Takunda Sando Quilter Financial 24 R West Wickham Y
John Edwards Hoyl Independent 24 I Norwich N Bina Dayaram Bina Dayaram 14 R Borehamwood N Amit Mittal Expert Independent 96 I Harrow Y Advisers
Advisers Wealth Management Financial Planning Anthony Brummitt Fairstone 18 I Moorgate Y
Danisha Chadha Close Brothers Asset 10 R Spitalfields Y
Management Lisa Murphy Sandringham 25 I West Wickham N
Michael Chandler Hoyl Independent 14 I Norwich N Ophir Lethbridge Lethbridge Wealth 20 R Borehamwood Y Nigel Shaffer 2plan Wealth 32 I Hendon N Harry Sims Fairstone 13 I Moorgate Y Financial Partners*
Advisers Management Management Chris Budden Close Brothers Asset 47 R Spitalfields Y
Ron Hoare Fairstone 23 I Moorgate Y Management Rachel Lane Group Rapport 82 I Weybridge Y
Mark Wright Hoyl Independent 33 I Norwich N Joshua Gerstler The Orchard Practice 87 R Borehamwood Y Simon Dunkerley M & N Insurance & 19 I Hendon Y
Advisers Financial Services Julian Bingle London Premier 18 I St James's Y
Jeremy Plevin Fairstone 10 I Moorgate Y Lisa Calvert St. James's Place 16 R Weybridge N
Thomas Schofield Foster Denovo 35 R Borough Y Wealth Management
Lewis Charles IBA Wealth 71 R Norwich Y Thomas Skinner Barnaby Cecil 16 I Highgate Y
Richardson Management Financial Planning Laurence Jackson Fairstone 71 I Moorgate N Barnaby Wilde Ablestoke Financial 10 R Whyteleafe N
Andrew Rumbles Prospera Wealth 51 R Borough Y Priyesh Patel Ablestoke Financial 49 R St Paul's Y Planning
Management Planning
Ian Couling Lifetime Financial 98 I Norwich Y Adrian Nunn Iceni Financial 17 I Highgate Y Jonathan Kinch Fairstone 101 I Moorgate N
Solutions Advisers Wayne Griffiths One Financial 75 I Whyteleafe Y
David Rodricks Quilter Financial 14 R Brockley Y Liam Martin Audley Asset 63 I St Paul's Y Solutions*
Advisers Russell Waller Fairstone 142 I Moorgate N Management
Andy Fisher Quilter Financial 52 R Norwich Y Vanessa Deen Deen Financial 25 I Hoddesdon N
Advisers Services Martin Binyon Fortress Wealth 25 R Wimbledon N
Graeme Mackay Foxgrove Associates 102 I Bromley Y Owrang Rahmani Credius Wealth 30 R St Paul's Y Partnership
Andrew Kennedy Fairstone 53 I Moorgate Y
Carl Lamb Smith & Pinching 27 I Norwich Y Katie Campbell Think Financial 13 R Hoddesdon N
Henry Betts TNS Financial 23 R Bromley Y Wealth Management Georgie FLM Wealth 15 R St Paul's Y Gareth Rees GEM & Co Financial 59 I Wimbledon N
Services Paul Ellis Fairstone 38 I Moorgate Y Muir-Mackenzie Management Services
Michael Johns Succession Wealth 89 I Norwich Y
Malcolm Samuels True Potential 42 R Hoddesdon Y
Kostas Stylios Regency Wealth 11 R Buckhurst Hill Y Carol Higgin-Jones Fairstone 44 I Moorgate Y Charlie Okell FLM Wealth 14 R St Paul's Y Elliott Swatton GEM & Co Financial 83 I Wimbledon N
Dan Seal AFH Wealth 24 I Peterborough Y Management Management Services
Management David Bean David Bean Wealth 22 R Hornchurch N
Management Nick Cummins Nick Cummins 40 R Moorgate Y
Ike Benson St. James's Place 24 R Bushey N Wealth Management Jonathan Waymark Financial* 18 I St Paul's Y Ian Hart Unbiased Financial 56 I Wimbledon Y
Julian Fryer Fairstone 15 I Peterborough Y Attenborough Group
Bill Paice Paice Financial 81 I Hornchurch Y
Gareth Lewis Cooper Associates 25 R Canary Wharf Y Planning Sean Irwin Clarity Wealth 73 I New Cross N
Simon Every Hill Grafford 35 I Peterborough Y Wealth Management Management Mark Wilson Waymark Financial* 87 I St Paul's Y Glen Howe Howe Financial 24 R Winchmore Hill N
Advisers
Amit Kohli AK Mortgage 11 R Hounslow Y
Greg Thompson Ewing Associates 16 R Saffron Walden Y Christine Tucker One Financial 91 I Carshalton Y Services Steffan Alemanno The Private Office* 24 I New Cross Y Greg Neall Wake Up Your 44 I Staines Y
Solutions* Wealth Paul Bartlett Piccadilly Wealth 17 I Woodford Green N
Gavin Calderwood St. James's Place 16 R New Malden N Management Limted
Frank Banks- Fairstone 13 I Saffron Walden Y Jane Hodges Money Honey 72 I Hoxton Y
Fotis Joannou Sentient Wealth 94 I Chislehurst Y Dipesh Shah Oakdale Financial 70 R Stanmore N
Seeney Services
Henrietta Oxlade Radcliffe & 116 I Hoxton N Mark Glanfield Glanfield & 15 R North Woolwich N NORTH OF ENGLAND
Daniel Turner Greenways Financial 15 R Saffron Walden Y Alex Smith Watson Moore 75 I Chiswick Park Y Newlands Associates
Andrew M Baird Fortress Wealth 12 R Stoke Newington N
Planning Partnership Stephen Mallard Fairstone 17 I Accrington Y
Keith Galgut Gale and Phillipson 107 I Church End N Sam Whybrow Thanks Wealth 98 I Hoxton N Waseem Herwitker Earlswood Wealth 15 R Northwood N
Jamie Gordon Lynas Vokes 58 I Spalding N Planning Management
Seán Standerwick MLP Wealth 106 I Surbiton N Sean McParland Fairstone 39 I Accrington Y
Investments Molly O'Donnell Fortress Wealth 10 R Clapham N Management
Partnership Rongu Miah Advance Wealth 61 I Ilford N Sasan Lohrasb Frontier Wealth 17 R Oakleigh Park Y
Gary Fulcher Kimbolton Financial 67 I St Neots Y Management Simon Nutter Sandringham 62 I Accrington N
Simon Wade J G Wealth 14 R Sutton N
Planning Gary Youssef GSQ Wealth 25 R Clapham N Ravinder Gill PSA 37 I Ilford N Financial Partners*
Neil Jacobs Prosperity Wealth 68 I Oakleigh Park Y
Gary Wilson Premier Plus 19 I St Neots N Creation Olivia Bucher Mazars Financial 22 I Sutton N Joe Magee Sandringham 49 I Accrington N
Alistair Mann Clocktower Fund 105 I Cobham Y Kanishk Swarup St. James's Place 44 R Kensal Green Y Planning* Financial Partners*
Management Abigail Banks The Private Office* 19 I Peckham Rye Y
Neil Harden Abacus Associates 40 I Stamford N Andy Springford Mazars Financial 29 I Sutton N
Howard Morgan Keystone Wealth 25 R Kingston upon Y Adrian Mahon Depledge* 76 I Altrincham Y
Geraldine Halpin Succession Wealth 23 I Coulsdon N Management Thames Planning*
Dan Payne Golden Oak 24 I Stamford N Bejal Shah London Wealth 49 R Pinner N
Merve Oral The Private Office* 16 I Swiss Cottage Y Garry Robinson Elite Financial 62 R Altrincham Y
Keith Jobson Gold Griffin - Wealth 85 I Covent Garden N Tom Sidgwick Skipton Building 26 R Kingston upon Y Planning
Andy Ollason Hoyl Independent 58 I Wymondham N Planning Society Thames Paul Hodge Pennymatters 82 I Pinner N
Consultants
Advisers Jim Anderson Black Swan Financial 20 I Tadworth Y
Bobby Bhuiyan Thomas Oliver UK 23 R Crouch End Y Ashley Gregory BlackFin Wealth 18 R Knightsbridge N Geetika Sethi SensInvest 41 I Pinner N Planning* Matthew Skipton Building 54 R Altrincham Y
Management Pennington Society
GREATER LONDON Dave Chamberlain QI Financial 39 I Croydon Y Chandan Hinduja SensInvest 86 I Pinner Y Daniel Mayo Daniel Mayo 11 R Thames Ditton N
Solutions James McLaren BlackFin Wealth 10 R Knightsbridge N Financial Planning Garry Newman Sandringham 58 I Ashington N
Adam Rideout Foster Denovo 41 R Aldgate N Management Financial Partners*
Veronica Mann Talis IFA 43 I Pinner N
Richard M Howard RMH Financial 24 R Croydon Y Tom Lyon Timeline Wealth 13 I Thames Ditton N
Sukh Jawanda Interestme Financial 42 I Aldgate N Planning Tessa Codron CF Wealth 10 R Knightsbridge N Management Brian Adams Merlyn Wealth 17 I Bacup N
Planning Management Gordon Craft Chasebridge Wealth 23 R Potters Bar Y Management
Management Jonathan Ritterband The Private Office* 39 I Tooting Y
Harry Copp Skipton Building 32 R Croydon Y
Society Andrew Nicolson Devine Financial 50 I Knightsbridge Y Janine Barron Sandringham 80 I Barnard Castle N
Ross Speedie Interestme Financial 69 I Aldgate Y Management Mike Moran Fairstone 39 I Potters Bar Y Financial Partners*
Planning Aryan Chopra Castell Wealth 11 R Tower Hill Y
Andy Norrington Sterling & Law 19 I Croydon Y Management
Gay Worrow Gay Worrow 11 R Knightsbridge N Adam Salomon Fairstone 21 I Primrose Hill Y James Carr Cricket Hill Financial 26 R Barnsley N
James Robinson Mazars Financial 22 I Aldgate N Sandra Corkhill Fairstone 46 I Crystal Palace N Jordan Marshall Jordan Marshall 17 R Tower Hill N Planning*
Planning* Sumun Kanda McMillan Wealth 24 R Knightsbridge N Jonny Shingles Jonathan Stephen 17 R Primrose Hill N Wealth Management
Consultants Shingles Thomas Harper Cricket Hill Financial 54 R Barnsley N
Nicholas Hamilton Mazars Financial 46 I Aldgate N Tony Martin True Potential 48 R Dagenham Y Dean Mullaly Mark Dean Wealth 44 I Tower Hill Y Planning*
Planning* Nick Brown NB Wealth 36 R Knightsbridge Y Jason Wood The Private Office* 19 I Primrose Hill Y Management
Brian Downton Downton and Ali 50 R Dartford Y Management Michelle Richards Cricket Hill Financial 29 R Barnsley N
Paul Simmons Mazars Financial 51 I Aldgate N Associates Tracey Reddings Reddings Wealth 15 R Tower Hill N Planning*
Planning* Paul Sanders The Private Office* 42 I Primrose Hill Y
Athy Watson Noula Wealth 13 R Knightsbridge N Management
Melinda Bush Quartz Financial 78 I Dartford Y Consultancy Edward Downey Navigation Wealth 10 R Beverley N
Services Hazari Farook Opulence Wealth 20 R Queensbury N Sean Wilkinson Reliance Wealth 13 R Tower Hill N Management
David Cresswell David James Wealth 70 R Aldwych Y Christopher Webb Corfe Wealth 20 I Leatherhead N Management Uk Management
Alun Webster Audley Wealth 28 I Dollis Hill Y Management Don Axtell True Potential 110 R Billingham N
Gary Meloy Eswaran Stone 71 R Aldwych N Joseph Awaritefe Medical Family 17 R Regent's Park N Steven Jerath SRJ Wealth 35 R Tower Hill N
Chartered FP David Villa-Clarke DVC Wealth 32 R Leatherhead N Finance Management
David Gruenstein The Private Office* 21 I Ealing Y Louise Allott Skipton Building 80 R Bingley Y
Management Society
Mark Islin Islin Wealth 21 R Aldwych N Daryl Stafford Medical Family 15 R Regent's Park N Nick Tock St. James's Place 12 R Tower Hill N
Management Chris Berger Three Hills Wealth 18 R Ealing Y Steven Burgess Fortis Financial 42 R Leatherhead Y Finance
Management Mark Eldor Mark Eldor Financial 19 R Birkenhead N
Planning Alfie Richmond Stanford Wealth 10 R Tower Hill N Planning
Justin France Justin France Wealth 17 R Aldwych N Paul Hart Medical Family 34 R Regent's Park N
Management Simon Humphrey True Potential 35 R Ealing Y Finance Management
Tom Grunsell Grunsell Financial 24 R Leatherhead N Barry Talman MGL Wealth 37 R Bishop Auckland Y
Planning Nathan Stanford Wealth 10 R Tower Hill N Management
Shabeer Ahmed Opulence Wealth 30 R Aldwych N Matthew Rowland St. James's Place 16 R East Sheen N Mark Martin Medical Family 17 R Regent's Park N
Management Uk Finance Gonsalves-Williams Management
Peter Hawthorne Hawthorne Wealth 26 R Leatherhead N Rachael Benford Newcastle Financial 11 R Bishop Auckland Y
Kirsty Stone The Private Office* 13 I East Sheen Y Management Edmund Wilson The Edmund Wilson 15 R Tower Hill N Advisers
Steven Field Silverman Field 28 R Aldwych N Andrew Coles Adcock Financial 14 I Richmond N
Practice
Peter Ditchburn Buckingham Gate 32 I London Charing Y Peter Wray APW Financial 23 I Blackburn N
Marc Norris Twelve Wealth 12 R Aldwych N Tom Low Tilikum Wealth 13 R East Sheen Y Cross
Management Peter Adcock Adcock Financial 57 I Richmond N Sarah Pearson AFH Wealth 41 I Twickenham N Planning
Management Management
Jamie Kyte Buckingham Gate 17 I London Victoria Y Miles Hawkins PK Financial 38 I Richmond N Steve Crowe Ribble Wealth 130 I Blackburn Y
Daniel Bloomfield Daniel Bloomfield* 44 R Arkley Y Martin Kyrke-Smith McMillan Wealth 19 R Eltham N
Consultants Planning Simon Allen AFH Wealth 57 I Twickenham N Management
Matthew Smith Buckingham Gate 115 I London Victoria Y Management
Paul Coyle Hargreaves 39 R Ashtead Y Simon Neville Walbrook Financial 19 R Enfield N Ben Ricketts Ben Ricketts Wealth 16 R Rickmansworth Y KEY
Lansdown Strategies Chia Shamsaddini Clarence Place 25 R Longfield Y Management Matthew Allen AFH Wealth 71 I Twickenham N
Wealth Management Management
Scott Miller Fairstone 40 I Balham Y Ray Martin Four Seasons 76 I Epsom Y Ian Jenkins Fairstone 14 I Rickmansworth Y FIRM
Edward Tudor The Private Office* 38 I Loughton Y James Wade Charles Wade 76 I Twickenham Y
Finance Top Rated Firm (includes trading names of Top Rated Firms), more on p23
Stuart Murphy St. James's Place 27 R Bank N Paul Keeley One Financial 49 I Epsom Y Robert Goodman Fairstone 17 I Rickmansworth Y
Solutions* Royston Fox Royston Fox 13 R Mayfair N David Holland Globe IFAs 27 I Twickenham N
STATUS
Jon Watts Trinity Lifetime 10 R Bank N Associates Fiona Morpurgo Morpurgo Wealth 70 I Romford Y I Independent financial adviser
Owen Cook Ablestoke Wealth 126 I Fitzrovia Y
Rafal Amer Vitruvian Financial 23 R Bank Y Management Ted Wilson Wilson Wealth 56 R Mayfair Y Andrew Thompson Succession Wealth 15 I Uxbridge N R Restricted financial adviser
David Chew Professional & 71 I Romford N
Planning Advisory Medical FP
Sebastian Hurst Plutus Wealth 98 I Fleet Street Y Paresh Shah City Financial 22 R Wallington N FEES PUBLISHED
John Donnelly Clear Financial 35 I Banstead N Management Henry Killingbeck Antler Wealth 17 R Merton N Consultants N N o, this adviser does not display their fees structure on VouchedFor.co.uk
Jatish Pindolia Lyfe FS 44 R Ruislip N
Advice Management
Reinaldo Soto-Rosa RSR Weath 53 R Fulham N Alex Kyprianou The Private Office* 26 I Waltham Cross Y Y Yes, this adviser does display their fees structure on VouchedFor.co.uk
Management James Lindley Castell Wealth 29 R Monument Y Lara Turner Knight Turner 17 R Selhurst Y
Paolo Standerwick MLP Wealth 219 I Banstead N Private Clients
Management Management Antony Smith Providus Financial 38 I Waltham Forest N
View each adviser’s services and qualifications, and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583 The information in these tables is correct as of March 12, 2021 The information in these tables is correct as of March 12, 2021 View each adviser’s services and qualifications, and contact them by visiting VouchedFor.co.uk or calling 020 3111 0583
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