VouchedFor s 2019 Guide to the UK s Top Rated Financial ...

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VouchedFor's 2019 Guide to the UK's Top Rated Financial Advisers

Why seeking financial advice is the best call you'll ever make

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Know your game plan

Many people are missing out on opportunities for investment, pension and wealth planning because they don't know how to track down trustworthy financial advice

Colin Randall

M ore than 18 million people in Britain who could benefit from professional financial advice are not seeking it, according to research for the Financial Conduct Authority (FCA).

A report for the regulator's Financial Advice Market Review in 2018 reinforces the sector's belief that working people across the UK ? and not just the very wealthy ? are in need of help with financial planning.

It found that of 46.5 million adults who had not obtained regulated advice, nearly 40 per cent had savings or investments of at least ?10,000 "and therefore might have a need for advice".

VouchedFor.co.uk ? a ratings

site that lists financial and legal professionals, and helps people access the best available advice at all stages of life ? has accumulated more than 100,000 verified client reviews and conducts its own extensive checks and monitoring.

Its key objectives are to "demystify the advice landscape", help consumers understand the value of good advice and make them confident about seeking it.

It's worth noting that the number of people receiving regulated advice on investments, pensions or retirement planning rose sharply from 3.2 million in 2017 to 4.5 million last year. But as the FCA report points out, that still only accounts for about one in ten UK adults.

Among the given reasons for the low uptake are expense, uncertainty and lack of trust about the quality of advice offered. This

underlines the challenges facing professionals as they try to convince people that even those with relatively modest incomes and savings have something to gain.

The situation hasn't been helped by the 2017 British Steel pensions mis-selling scandal, which rocked confidence in the financial advice sector. After British Steel owner Tata restructured its pension fund, thousands of scheme members were targeted by "vulture" financial advisers, many losing out in the process.

However, VouchedFor says the fallout from such isolated cases should be viewed against a background of countless examples of sound advice providing "financial uplift across a variety of common life events".

Rebecca Aldridge is a chartered financial planner and managing director of Nottinghambased Balance: Wealth Planning. As one of VouchedFor's listed advisers, she says: "There is a wide spectrum of people who need advice.

CHECKLIST

LIFE EVENTS WHEN YOU MIGHT SEEK FINANCIAL ADVICE

? Buying a home mortgage advice

? Starting a family life insurance, junior ISAs, school fee funds

? Starting investing ISAs, investment advice

? Starting a business funding, autoenrolment/pensions

? Bereavement or getting divorced holistic financial advice

? Nearing retirement take advantage of pension freedoms, equity release and annuities

? Leaving a legacy inheritance tax plans

"What people actually think can be a quite different matter, though. What I see is younger people ? particularly millennials ? who do not identify as needing such advice. Even if they do, they are much more likely to try to do it for themselves."

Aldridge believes professionals need to overcome this scepticism by "bending and changing" the way they offer services. Her own response has been to launch Neon Financial Planning, an online subsidiary catering for under-45s ? her own age bracket.

"There is a misconception that financial planning is all about investing money," she says. "We must focus on the predominant objective of restructuring wealth in order to make the best of it: minimising taxation, having your money in the right place, and having the structure to ensure you have enough ? and will continue to do so in the future."

See pages 7-15 for a list of the top rated financial advisers on VouchedFor.co.uk

5 years running

Inheritance tax...what the fugu?

There's no doubt about it, estate planning can seem like a complicated and slippery animal. Fortunately, at Octopus Investments we work with your financial adviser to slice, dice and serve up a tasty plan of action much

quicker than it takes a sushi grandmaster to learn the art of filleting the world's deadliest dinner. Of course, no "arigato" is required. Although we do insist you consider the possibility that if you invest with Octopus, the value of your investment can fall or rise, and you may not get back the full amount you invest. To get started, talk to your financial adviser about how inheritance tax may impact you and your family.

A brighter way

Issued by Octopus Investments Limited, which is authorised and regulated by the Financial Conduct Authority. Registered office: 33 Holborn, London EC1N 2HT. Registered in England and Wales No. 03942880. Issued: February 2019. CAM07693

Cover illustration: Valentina Verc

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How to pop the right questions

When you decide to seek financial or mortgage advice, you want an expert you can trust to make the most of your money. Here are the key questions you should ask...

What services do you provide? A financial adviser will let you know whether they are "independent" or "restricted" (see our Jargon Buster, below). They will generally be able to assist with preparing for retirement, building a pension pot, investments and inheritance planning. You may find that some financial advisers can also help with mortgages.

A mortgage adviser will let you know whether they are "whole of market" or "limited". They can typically help with first-time buyers, remortgaging, buy-to-let properties, insurance and protection, and moving home. An adviser must be clear with regard to what services they offer.

Search for the advisers listed in the tables on pages 7-15. In addition, you can find further services and advice they offer on VouchedFor.co.uk.

Why are you suitable for me? You want to work with someone who fills you with confidence

and whose knowledge, skills and advice you trust to be both accurate and in your best interests. Any adviser should be able to list their key attributes and state why they are someone you can rely on. You can also look at their testimonials and reviews from clients they have worked with.

How, and how much, do you charge clients? When considering whether to take advice, what it will cost will probably be one of your first concerns. An adviser must explain how much they will charge before you are taken on as a client.

Mortgage advisers may charge in different ways: an upfront fee, payment through commission on the mortgage loan, or a combination of both.

Many financial advisers charge a percentage of the value of your investment or pension pot. Fee structures can be complicated, so ask exactly what you'll pay based on your wealth and requirements.

By knowing how fees

are charged you may get a better deal

It's important to have this clear in your mind as early as possible. By understanding how fees are charged, it may even be possible to negotiate a better deal for yourself.

Do you have experience of people in a situation similar to my own? It is not uncommon for an adviser to only work with clients who have a minimum wealth level or mortgage size. For instance, if you have ?20,000 in savings, but your potential financial adviser generally deals with people who have ?500,000, you may be better off with someone who has more experience assisting those in a similar financial situation to you.

The same applies with personal circumstances. Major life events such as births, divorce, bereavement and critical illness can add a further level of complexity to your financial situation and it might be helpful to find advisers who have experience in these areas.

VouchedFor's online adviser profiles include minimum wealth levels and mortgage sizes. You will also soon be able to run a keyword search through adviser reviews ? such as "divorce" ? to find ones left by people in a similar situation to yourself.

Why is the product that you picked the best one for me? Supply anything you think is relevant, as your adviser can only recommend products for you (such as mortgage, investments and pensions) based on the information you've provided. Do ask why the product they have recommended is the most appropriate ? so that you feel comfortable with your decision. Always bear in mind there may be alternatives that, upon closer inspection, you would prefer to go with.

What do you do that I couldn't do myself? With the rise of multiple online services, it's important to know how your adviser can benefit your situation above what an automated service can offer you.

It may be tempting to use online services, such as "roboadvice" companies that offer investment and pension advice. However, a financial adviser should be able to discuss the additional services and assistance they can provide. For example, many advisers specialise in particular scenarios, such as helping you to understand how much you might want to draw down from your pension. Practical expertise and the human touch can make a huge difference to ensuring you hit all of your financial and personal goals.

Similarly, when speaking with a mortgage adviser, they will be able to discuss the full intricacies of your mortgage, so do be open with them. It is their job to advise you on which type of mortgage is the most suitable for you. They will factor in your whole financial situation, and will be able to display the full costs involved.

They are also usually able to secure better deals than those that are available on comparison sites; the latter will not show the full complexity of why each product is (or isn't) suited to you. The sites also might not include application charges that arise down the line.

A good mortgage or financial adviser will be able to provide validation and give you peace of mind that no stone has been left unturned.

INFO

JARGON BUSTER

Definitions for financial and mortgage advisers can be confusing. This guide will help you understand what you're dealing with.

INDEPENDENT FINANCIAL ADVISER

An independent financial adviser can advise across all investment and pension matters relevant to their clients.

FOCUSED INDEPENDENT FINANCIAL ADVISER

Focuses on specific investment and pension matters. Within these areas of advice, the adviser is in no way limited in the products they can recommend.

RESTRICTED FINANCIAL ADVISER

They can advise across a limited set of investment and pension products.* This limitation may enable them to offer an improved service and lower fees, but you should consider how other products compare.

WHOLE OF MARKET MORTGAGE ADVISER

Can advise across a range of available mortgage products. Ask whether they check lenders' direct-only deals (ie, those available only directly to consumers from the lender, without going through an adviser).

LIMITED MORTGAGE ADVISER

Can advise across a limited set of mortgages.* This limitation might enable them to offer an improved service and lower fees ? but do also consider how other products compare.

*Product restrictions are often because the adviser can only recommend products provided by the company they work for, but this is not always the case. It is important to ask the adviser about any restrictions on the advice they can offer and how this can affect you.

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How much should financial guidance cost?

A new era of transparency is dawning with experts being more upfront about fees and exactly what clients can expect for their money

Laura Brodeur

W hether we have just had a baby, or waved a child off to university, are planning to retire or have been bereaved, we need help when managing our capital across the different stages of life. For many, however, seeking financial guidance from a qualified adviser

can seem a daunting process, not least because it's hard to tell what represents good value for money.

How much should we be paying for life insurance, having a mortgage arranged or getting advice on investing in an individual saving account (ISA)? It is difficult to find out what such help should cost.

This is because many advisers do not publicise their fees online, and even when you get the information their different charging structures can be poorly explained and hard to compare.

This is why, in June 2018, the ratings site VouchedFor decided to let advisers upload information on their fees for all to see. This means that when users are reading reviews of advisers on the site to find one suitable for their financial situation, they can compare prices clearly and unambiguously.

In the past six months, 47 per cent of VouchedFor's top rated advisers have added their fees. This is evidence, the site says, that the desire for transparency is actually coming from the advisers

themselves. The beneficiaries of such a move are consumers.

"Fee transparency is a vital step in giving millions of Britons who could benefit from financial advice the confidence to engage," says Alex Whitson, managing director of VouchedFor. "The key word here is value and it's important that consumers get to grips with how an adviser's fee structure and services align with their needs."

Free initial consultation

Most financial advisers offer this to establish how they can help, and must then make it clear what they can do for you and at what cost.

Initial fees

One-off or ad hoc charges for advice can vary from 0.5 to 5 per cent of the assets you wish to invest. The average initial fee submitted to the site is 1.74 per cent.

Ongoing charges

These are ongoing yearly fees you pay your adviser for looking after your investments, ranging from 0 to 2 per cent. The average ongoing fee (based on all fee structures uploaded to VouchedFor.co.uk) is 0.79 per cent but varies depending on the service you are looking for, whether you have assets to invest and what kind of advice you seek.

Average total charges

Translating percentage fees into pounds and pence can be difficult, which is why some advisers charge a pre-agreed fixed fee for their work. The initial and ongoing percentage

Received pension advice this year? Your boss can save you up to ?310!

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`The advice that put our finances back on track'

When Karen and Mark Broadhead needed advice about pensions and paying off their mortgage they turned to VouchedFor. What followed tied up loose ends, uncovered opportunities and gave peace of mind

K

aren Broadhead, 57, a sales representative for a gift company, and her husband Mark, 56, a director for a shopping centre, realised that with retirement looming they had to get their financial affairs in order.

They knew they wanted to consolidate pensions from previous jobs and address their larger than desired mortgage in order to safeguard their future, without impacting their outgoing lifestyles.

"We live in a wonderful village, Warmington, in Northamptonshire, and will have been there for four years in July," says Karen.

"We've been lucky enough to make a lot of friends here and love going to our local pub. We are social animals and it's fair to say that comes at a price, hence even more of a need to make sure we can continue our way of life once we retire.

"Also, our daughter Emma lives away from Warmington and at some stage it would be good to be close to

her, something that would obviously involve a house move."

So where should they turn to for help and advice? Karen tried searching online in her local area for a financial adviser, but was wary about approaching someone completely cold, having never visited a financial adviser before. "You're never sure of what people are going to try to sell you," she says.

"You hear horror stories and I needed reassurance that the person I was going to talk to wasn't going to run off with our pension. When you are putting all your finances and pensions into somebody's hands, you need to trust them and you want to know from the start that the person is reliable."

She discovered VouchedFor via an online recommendation on MoneySavingExpert. Impressed with its transparency, she could instantly access personal reviews on VouchedFor for financial advisers in her area, reassuring her that they came recommended.

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It really does pay to shop around for an adviser who can bring value to your cash and investments

fees, and fixed fee structures uploaded to VouchedFor produce an average advice cost of ?6,079 for an investment of ?100,000 over five years. Some advisers charge by the hour; expect to pay on average about ?180. Keep value in mind when calculating fees.

Financial plan

It's hard to provide a clear sliding scale when the parameters vary so much. A financial plan for someone with few savings, a reasonable income and one pension, who simply wants clarity on their goals and whether they are on track for retirement, might range from ?0 to ?500. On the other hand,

a financial plan for a client with a complex situation, such as business interests, multiple pensions and investments, plus inheritance tax planning needs might cost as much as ?10,000.

Stocks and shares ISA

To open one of these, you'd pay about 3.79 per cent of the amount invested as an average initial fee. That means if you were to invest the annual ISA limit of ?20,000, there would be a cost of ?758. You would then pay an average 0.84 per cent of the amount invested as an ongoing charge.

Pensions

Pensions can be complicated Pension advice is typically charged in the same way as investment advice, a pension is after all just a tax-efficient wrapper for your investments. Advice on a pension pot of ?250,000 would typically cost ?13,925 over 5 years, including initial and ongoing advice fees.

Mortgages

Some mortgage advisers charge no upfront advice fee, taking their fee out of commission from the lender instead. Where they do charge an upfront advice fee it averages ?356, however, this all depends on the complexity and size of the mortgage.

VouchedFor's Whitson says: "People expect to be able to see what something will cost them, or at least get a ballpark figure, financial advice is no different."

Of course, it's natural to put off dealing with your finances, but as Karen explains: "I think financial and retirement planning is something that many people don't consider, none of us like to think we'll ever be that old. But it comes to us all."

She says it was helpful to see what other financial issues and life stages ? for example, how to prepare for retirement ? had been addressed by advisers and what she might be able to ask about. Reviews included information about why a person originally sought help, whether they achieved the outcome they'd hoped for and what an adviser might have done better.

Calum O'Donnell, a chartered financial planner at AMAS Investments in Bury St Edmunds, Suffolk, was the independent adviser she approached. Today, Karen declares herself delighted with the decision, saying he has been "absolutely fantastic" and "nothing has been too much trouble".

Initially, she contacted him through VouchedFor. Within 24 hours he had responded and arranged a meeting. He visited the Broadheads at their home on several occasions ? and they are still in touch.

The couple approached Calum with "the usual bag of paperwork". But he didn't open it, instead taking his preferred approach of asking what it was Karen and Mark were most concerned about, and what they hoped to achieve. They wanted to address how to consolidate their pensions, retire early, deal with an inheritance and pay off what at their stage in life was still a large mortgage.

Calum reviewed their current and future income against outgoings to quantify their basic, leisure and luxury expenditure, and analysed their cashflow.

"We love our holidays and usually try to get away two to three times a year,

Financial makeover: Mark and Karen Broadhead

He helped us focus on how much we would

need to retire

plus long weekends," says Karen. "Two of our holidays this year are UK-based so that we can be together with Emma, her partner Rowan and our granddog Lola. We've also been able to comfortably support our daughter through university and teacher training so far."

Karen says organising the family's financial affairs has given them the freedom to enjoy other pursuits away from work. The couple enjoy weekends away and have a list of places they want to tick off in their retirement. "When you're working, there's limited time to fit in everything you'd like to do," she explains, adding that she sees retirement "as golf for Mark and my learning to play so that I'm not a golf widow".

After a review, Calum recommended consolidating Mark's pension to a single wrapper with a uniform investment strategy.

He also helped the couple with mortgage advice, reducing their home loan and securing a more competitive rate, using the inheritance to reduce some of the mortgage. Moreover, he advised on tax returns, tax-advantaged savings and income protection.

"Following a bereavement while we were being advised by Calum, we received a lump sum of money," says Karen. "We were desperate to pay off our mortgage, however, Calum suggested that some of it could be invested in a better way to meet our end

goals and use our money to our best advantage."

The advice Karen has received from Calum has far exceeded her expectations and shown her the value of seeking good financial guidance. "He was open and honest about the costs involved, too.

"He helped us see how much we needed to live on when we retire and really gave us focus and a goal. It will save us tens of thousands of pounds.

"The financial help that Calum has given us is second to none ? without it we would quite honestly have been clueless as to how we stood financially in terms of our retirement. It has been invaluable to us." LB

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David Prosser

C harged at 40 per cent, your inheritance tax (IHT) liability can take a chunk out of what you are able to leave to your heirs. They won't have to pay any tax if your estate is worth less than ?325,000 ? known as the "nil rate band" ? or in certain circumstances ?450,000 if it includes your home.

The tax is payable on estates valued above these thresholds ? and in many parts of the country the average home is worth more. The Treasury doubled the amount it received in IHT between 2010 and 2018 with rising house prices bringing more families into that band.

In addition to the market value of your house, your estate is the sum of your savings, investments and other assets (which can range from jewellery to cars).

The headache for many families is that they end up paying far more IHT than they need to. But by seeking the right financial advice in good time for your own situation, it is possible to reduce or even eliminate a liability.

While such preparation is perfectly legal ? and makes good financial sense ? too many don't understand the complexities of the IHT system. They therefore fail to protect themselves, or to get expert advice on how to do so.

One of the lesser-known tax-efficient measures you can turn to is Business Property Relief, a government-approved relief from IHT.

"There is a common perception that inheritance tax is something that affects only the wealthiest people, but with the nil rate band frozen, and given the house price rises of recent years, more and more families are being affected," warns Paul Latham, the managing director of Octopus Investments.

"It doesn't have to be that way: with careful planning and expert financial advice, many people could substantially reduce their exposure to inheritance tax."

1

Write your will to make the best use of the nil rate bands The nil rate band ? which

currently stands at ?325,000 ?

is the amount of wealth you can

pass on with no IHT liability.

There is an additional allowance

called the "residence nil rate band"

which applies to the value of your

home. In the current financial

year, this band effectively

increases your total IHT-free

allowance to ?450,000 ? and this

will rise to ?500,000 in 2020-21.

When married couples and

civil partners leave assets to

one another, this wealth is

free from IHT. Also, both get

their own nil rate band and

residence nil rate band, which

they can leave to one another

if they don't use them.

It's important therefore for

couples to write their wills

in the same way. By leaving

their money and assets to each

other, they'll ensure not only

that there's no IHT to pay

when the first partner dies,

but also that the estate they leave

pays less tax when the second

partner passes away.

8 ways to cut your inheritance tax liability

ink inheritance tax doesn't apply to you? ink again. Planning what you leave to your heirs is increasingly an issue for many families

2 Spend more of your money Spending more of your wealth before you die will reduce the value of your estate and any liability faced by your heirs. Still, tread carefully. You need to ensure you have enough money to live on in later life.

3 Make the most of your IHT allowances By making gifts, you'll reduce the value of what might be taxable when you die. Currently, you can make as many small gifts, worth up to ?250, as you like. Each year you can also make larger gifts up to a total of ?3,000. If you don't use this full allowance, you can carry the unused portion into the next financial year.

4 Give more wealth away Even if you've exhausted your ordinary gift allowances, you can still make "potentially exempt transfers". They're only potentially exempt because if you die within seven years of making such a gift, it could be counted as part of your estate.

Careful planning and expert advice can make a real di erence

5 Use discretionary trusts A trust enables you to set aside assets for your heirs while maintaining control over when and how these bequests will be distributed ? usefully, wealth held within a trust is normally free of IHT. However, in some cases, there may be tax charges when you set up the trust or on an ongoing basis. You also have to live for seven years after moving assets into a trust for them to be IHT exempt.

6 Take out whole-of-life insurance Life insurance pays an agreed sum to specified beneficiaries on the death of the policyholder, so this could be a way to help your heirs cover the cost of an IHT bill that you haven't already eliminated. Clearly, it is important to keep paying the premiums on such policies. Take financial advice on how much cover to buy, given your family's exposure to tax, and on where to find the best-value insurance.

7 Investigate incentives, such as business property relief (BPR) BPR is an example of a government tax-planning incentive where you invest in qualifying assets, such as shares in certain companies. If you hold on to them for at least two years, your heirs won't have to pay any IHT when they receive these assets on your death. With tax legislation changing all the time it's important to be aware that an investor's tax benefit will depend on their circumstances, and that tax reliefs can change. Investments in companies that qualify for relief from IHT may be harder to sell than shares listed on the main London Stock Exchange. As well as seeking advice when planning for your estate, the usual risks on investments apply.

8 Leave money to charity Any assets you leave to charity in your will fall outside the IHT net. If you are able to leave 10 per cent or more of your total estate to charity, the IHT rate paid by your heirs (if there is still a tax bill to settle) drops to 36 per cent.

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The Guide's mission

Across the next nine pages are listings of VouchedFor's top rated financial

advice that they are in good hands.

and mortgage advisers. Here, the rating site's CEO explains the purpose of the Guide and how the tables were compiled

The report will list all the checks and reviews that support the adviser's inclusion in the Guide.

For a full breakdown of the

financial and legal professionals.

reviews, checks, services, top

Adam Price VouchedFor

In total, 1,171 advisers from 723 different firms are included in the Guide. They amassed 21,664

rated status and qualifications of each of the advisers listed in the Guide please visit VouchedFor.co.

CEO and founder

reviews in 2018, with an average rating of 4.9 out of 5.

As well as being endorsed by at

Firm favourites: here's a list of the top rated financial and

least ten clients, each adviser is a

mortgage advice firms with the most reviews on VouchedFor

fully verified member of

The ongoing uncertainty

VouchedFor, which means they

FIRM NAME

TOTAL REVIEWS

surrounding the UK's political and have been checked against the

economic future is encouraging Financial Conduct Authority's

True Potential

1896

many of us to consider some form Register as well as undergoing

of financial advice.

checks and ongoing monitoring.

2plan Wealth Management

1332

The VouchedFor 2019 Guide to the

The VouchedFor team are

UK's Top Rated Financial Advisers

committed to building public trust

GHL Direct

1147

aims to demystify the advice

in financial and legal advice so

landscape and highlight those

run more checks than any other

Hargreaves Lansdown

705

financial and mortgage advisers adviser directory. We check

who are consistently doing an

advisers' identity, qualifications

Investment Solutions

619

excellent job for their clients.

and client reviews. We also

The financial and mortgage

monitor news outlets, as well as the Gallagher

486

advisers listed below have

outcomes for anyone who contacts

received the highest volume of

an adviser through VouchedFor.

Westminster Wealth

438

positive client reviews since the

Further, each top rated adviser

start of 2018 on VouchedFor.co.uk, will receive a background report

Jones & Co

369

the UK's leading ratings site for

to reassure people considering

uk where you can search for advisers by name. Alternatively, you can call 0203 1110580 and speak to a member of the VouchedFor team who will listen to your needs and point you in the right direction.

The Guide wouldn't be possible without the efforts of the thousands of advisers and clients who share our commitment to shining a light on the value of great financial advice and helping more people access it. My most sincere thanks to everyone who has contributed.

We hope you find the Guide valuable.

VOUCHEDFOR'S TOP RATED FINANCIAL ADVISERS

These financial advisers have received the highest volume of positive 2018 client reviews on VouchedFor.co.uk, the ratings site for financial and legal professionals. As well as being endorsed by more than ten clients, each adviser is a fully verified member of VouchedFor, which means they have been checked against the Financial Conduct Authority's Register, as well as undergoing several other checks and ongoing monitoring.

CENTRAL ENGLAND

NAME

FIRM

REVIEWS STATUS FEES PUBLLOISCHAETDION

Philip Truscott

Chris White Mandeep Singh

Robert Pryjmachuk Thomas Dickson Lisa Footes

Gary Franklin

Alan Moran

Truscott Wealth Management

Regent Financial

AFH Wealth Management

Chamberlain Group

Essential Money

Footes Financial Planning

GRF Wealth Management

Interface Financial Planning

Gem Durham

Obsidian Financial

68 I Y Alfreton

73 I 40 I

N Ashby De La Zouch N Birmingham

37 I 87 I 76 I

N Birmingham Y Birmingham Y Birmingham

40 I N Birmingham

22 I Y Birmingham

24 I Y Birmingham

George Kapositas Steven Johnson Kira Sehmbi Simon Cherry

Professional Capital

36 I N Birmingham

S Johnson

21 I N Birmingham

True Potential

25 R Y Birmingham

Hargreaves Lansdown 15 R Y Brackley

Helen Evans

Paul Jouhal

Robert Young

Duncan Hannay Robertson Steven Edwards Antony Moyes Craig Gilks Owen Williams

Paul Wilkinson Gemma Murden

Kevin Holleron

Chris Dunn Stuart Orridge Paul Harman

James Pillinger

Jane Newman John Pulahi

Matt Petrie Michael Crisp Brian Flindall Alan Crowley John Cowan Conor O'Sullivan

AFH Wealth Management

Aspirations Financial Advice

Gallagher

11 I 10 I 21 I

N Bromsgrove N Cambridge N Cambridge

Hannay Robertson

52 I N Cambridge

Hargreaves Lansdown 36 R Y Cambridge

Moyes Investments

44 I N Cambridge

Varsity Finance

15 I Y Cambridge

Beaufort Wealth Management

26 I Y Coventry

True Potential

13 R Y Coventry

Balance: Wealth Planning

Holleron Wealth Management

Orridge & Dunn

32 I Y Derby 13 R Y Derby 88 I N Derby

Orridge & Dunn

84 I N Derby

Profusion Wealth Management

Profusion Wealth Management

JNFP

21 I Y Derby 22 I Y Derby 28 I N Droitwich

Sterling Financial Planning

21 I N Edgbaston

JPM Insurance Advisers 18 I N Halesowen

Allen Tomas & Co

18 I N Hunstanton

Credencis

55 I Y Ilkeston

Financial Design

60 I Y Kenilworth

JDA Wealth

10 R N Kenilworth

O'Sullivan Financial Planning

10 I N Kettering

Pat McGee Nicholas Lue Ravinder Thind Lisa Varley

Eddy Chaudhry Ian Randon Gary Metcalf

Rob Handford

Ajay Badiani

Lena Patel

Mukesh Raichura

Faisal Hamed Scott Gallacher Richard Meats Bharat Chudasama Yomi Bashorun

Hargreaves Lansdown

JPA Financial Services

JPA Financial Services

Mercia Financial Planning FA Wealth

Gallagher

Gemini Wealth Management Hunter Aitkenhead & Walker Intelligent Financial Advisory ISJ Independent Financial Planning M R Wealth Management Michael Ambrose

Rowley Turton

Tudor Franklin

Tudor Franklin

Four Oaks

24 R 69 I 54 I 49 I

21 R 13 I 103 I

24 I

25 I

15 I

29 I

55 I 82 I 28 I 26 I 16 R

Y King's Lynn Y Kingswinford N Kingswinford N Leamington Spa

N Leicester Y Leicester N Leicester

N Leicester

N Leicester

N Leicester

N Leicester

N Leicester Y Leicester N Leicester N Leicester N Lichfield

KEY

STATUS: I: Independent financial adviser FI: Focused independent financial adviser R: Restricted financial adviser

FEES PUBLISHED: N: No, this adviser does not display their fees structure on

VouchedFor.co.uk Y: Yes, this adviser does display their fees structure on

VouchedFor.co.uk

The information in these tables is correct as of 14th February 2019

View these advisers' full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0592

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VOUCHEDFOR'S TOP RATED FINANCIAL ADVISERS

CENTRAL ENGLAND

NAME

FIRM

REVIEWS STATUS FEES PUBLLIOSHCEADTION

James Espin Nasreen Akhter

Jim Mee Stacy Coldicott Alan Curtis Chad Morris

James Slowey

Luke Baker

Frances Ford

Neil Alsop Andrew Sweetman David Smith Cat Eley-Gaunt

Neil Gilbourne Andrew Lewis Paul Flynn Paul Pitt

William Bowler Craig McClurg

Charles Landeman David Groves Alex Couling

Ian Couling

Sue Hodge

Michael Johns Julie Buxton

Rebecca Aldridge

John Crichton David Murden

Stephen Hunt

Charlie Reading Bobby Dhesi

Mark Evans Marc Derbyshire Tean Hatt Dean Clifford Andrew Brooks Thornton Holmes

Daryl Lay Chris Grimes Andrew Mason Steven Rowe

Matthew Jones Laurence Bembridge

IQ Financial Advice

Whateley Wealth Management Tavistock Partners

Tavistock Partners

True Potential

Norfolk & Suffolk Financial Services Gransha Financial Services Create Financial Management Major Oak Wealth Management

71 I 63 I

15 I 13 I 16 R 49 I

18 R

52 I

10 R

NKT Financial Solutions 32 I

Paul Brady

16 R

True Potential

11 R

2plan Wealth Management

54 I

3R Financial Services

Hargreaves Lansdown

Paul J Flynn

AFH Wealth Management Curo Mortgages

M L Financial Associates Sanlam Wealth

Finance Shop

Lifetime Financial Solutions Lifetime Financial Solutions Pearson Financial Consultants Succession Wealth

AFH Wealth Management Balance: Wealth Planning Mansion Park

Sense Financial Solutions Better Retirement Group Efficient Portfolio

AFH Wealth Management Beaumont Financial

Croft & Oakes

Hargreaves Lansdown

Go IFA

Brooks Wealth

Orchid Financial Services HL Consulting

Succession Wealth

Masons IFA

Lucent Financial Planning Moneywatch Finance

AFH Wealth Management

173 I 19 R 55 I 15 I

11 I 66 I

19 R 14 I 15 I

78 I

40 I

31 I 11 I

54 I

140 I 69 I

35 I

46 I 15 I

38 I 28 I 18 R 48 I 23 I 41 I

61 R 12 I 31 I 16 I

19 I 11 I

N Lincoln N Longbridge

Y Loughborough Y Loughborough N Louth Y Lowestoft

N Lutterworth

N Mansfield

Y Mansfield

Y March Y Market Drayton Y Market Rasen Y Melton Mowbray

N Newark Y Newark N Newark N Northampton

N Northampton Y Northampton

N Northampton N Norwich N Norwich

N Norwich

N Norwich

N Norwich N Nottingham

Y Nottingham

N Nottingham Y Nottingham

Y Oakham

N Oakham N Oldbury

N Oswestry N Oswestry Y Oundle N Pershore Y Peterborough Y Peterborough

Y Redditch N Rugby N Shrewsbury N Solihull

N Solihull N Southwell

Gary Fulcher

Christopher Clark Henry Metcalf

Richard Ash Richard Hollington Steven Hendry

Ashley Clifton Michael Harvey

Pippa Cuciurean

Kimbolton Financial Planning

Premier Plus

46 I 57 I

Golden Oak Wealth Management

Liberty Partnership

27 I 17 I

Octagon Wealth

75 I

Stonegate Wealth Management

72 I

ASC Financial Advisers 85 I

Charters Private Wealth

True Potential

28 I 16 R

Robin Place Amanda Reid

Jeremy Lake Helen Blackburn

Hannah Cowell

Mark Johnson David Chapman

Gary Puffett James Hawksworth Veronica Harrison Nicholas Davies

Gavin Roberts Daniel Morris Lee Gardner

Roy Donoghue Paul Anstee

Andrew Reeves Spencer Clifton David Stait

Scott Saxby Martin Dodd

Chris Stallard

Simon Mansell

Four Oaks

49 R

Gemini Wealth Management

Jeremy George Lake

127 I 23 R

Oaklands Wealth Management

2plan Wealth Management

Integritas

73 I 104 I 78 I

Complete Advice Services

Mansion Park

38 I 63 I

Pendra House

31 R

True Potential

17 R

AFH Wealth Management

11 I

Chartered Independent 68 I

Future Perfect

10 R

Gardner Financial Management

The Money Map

69 I 51 I

Moneytree Financial Services

66 I

The Investment Coach 85 I

ASC Financial Advisers 60 I

Gemini Wealth Management

JPA Financial Services

60 I 29 I

Midlands Investment Agency

Stallard Wealth Management

Temple Bar

70 I 10 I 68 I

N St Neots

N St Neots N Stamford

N Stamford Y Stone N Stone

N Stourbridge N Stratford Upon

Avon Y Stratford Upon

Avon N Sutton Coldfield N Sutton Coldfield

N Sutton Coldfield Y Sutton Coldfield

N Swadlincote

Y Swadlincote Y Tamworth

N Tamworth Y Tamworth N Tamworth N Telford

N Telford Y Telford N Warwick

Y Warwick N Wellingborough

Y Wellingborough N West Bromwich N Wolverhampton

Y Wolverhampton Y Wolverhampton

N Wolverhampton

N Worcester

GREATER LONDON

Kam Bains Guy Stout Sukh Jawanda Ross Speedie Philip Dragoumis

Templar Financial Associates

Templar Financial Associates

InterestMe Financial Planning

InterestMe Financial Planning

St. James's Place

James Woodfall Paul Coyle

Woodfall Wealth Consultancy

Hargreaves Lansdown

Filip Slipaczek

Filip Slipaczek

Dhan Sharma

Succession Wealth

Christopher Wotton Adam Liddelow Joshua Gerstler

Wotton Wealth Management

Liddelow Financial Services

The Orchard Practice

Adam Rideout

Foster Denovo

Ray Rastall

Foster Denovo

29 I

11 I

10 R

18 R

11 R 10 R

16 R 154 I 53 I 11 R

40 I

45 R 19 R 59 I

N Abbots Langley

Y Abbots Langley

N Aldgate

N Aldgate

Y Aldwych Y Aldwych

Y Ashtead N Barnet Y Beckenham Y Bexley

N Blackheath

Y Borehamwood N Borough Y Borough

View these advisers' full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0592

8

Andrew Rumbles Graeme Mackay

Prospera Wealth Management

Foxgrove Associates

13 R Y Borough 79 I Y Bromley

Bobby Phillips Martin Card Richard Paddle

Cooper Associates Wealth Management

TBA Wealth Management

St. James's Place

15 R Y Canary Wharf 30 I N Carshalton 13 R Y Chislehurst

James Wade

Charles Wade Finance 35 I Y Chiswick

Alex Smith

Watson Moore

41 I Y Chiswick Park

Matthew Brennan Alistair Mann David Bull Wayne Griffiths

Motus Financial Planning

11 R N City of London

Clocktower Fund Management

88 I N Cobham

Creative Wealth Management

18 R N Croydon

One Financial Solutions 24 I Y Croydon

Dave Chamberlain Qi Financial Solutions 17 I Y Croydon

Nick Blackford Ray Martin

Copthorne Financial Services

Four Seasons

12 I N Egham 30 I N Epsom

Belinda Coombs

Origen Financial Services

Andrew Sotiriou

Ethical Financial Planning

Owen Cook

Ablestoke Wealth Management

Jonathan Ritterband The Private Office

10 R N Epsom 46 I N Finchley 88 I Y Fitzrovia 17 I N Fleet Street

Paul Sanders

The Private Office

14 I N Fleet Street

Tony Whelan

True Potential

10 R Y Grange Park

Salvatore Volante

Andrew Brixey-Williams Bejal Shah

Origen Financial Services Fiduciary Partners

Capital Financial Consultants

44 R N Gray's Inn 14 I N Gunnersbury 11 R N Harrow

David Hadrava

Westminster Wealth

40 I N High Holborn

Stephanie Jones

Westminster Wealth

35 I N High Holborn

Danny McFarlane

Westminster Wealth

39 I N High Holborn

Kevin Hughes

Westminster Wealth

13 I N High Holborn

Rebecca Cherry

Westminster Wealth

42 I N High Holborn

Lisa Conway Hughes

Gemma Stanbridge

Westminster Wealth Westminster Wealth

23 I N High Holborn 38 I N High Holborn

Malcolm Samuels

True Potential

17 R N Hoddesdon

Sean Irwin

DFP Wealth Management

53 I N Honor Oak

Philip Cohen Jane Hodges Nigel Shaffer Henrietta Oxlade Rongu Miah Kanishk Swarup Sam Sloma

Ruban Sanmuganathan

In2 Planning Money Honey Radcliffe & Newlands Radcliffe & Newlands Advance Wealth St. James's Place Engage Financial Services Plutus Wealth Management

17 I N Hoxton 29 I Y Hoxton 14 I N Hoxton 98 I N Hoxton 39 I N Ilford 13 R Y Kensal Green 14 I Y King's Cross

17 I N King's Cross

Michael Bower Stewart Twidle Amyr Rocha-Lima

Aspen Financial Services

Asset & Investment Management

Holland Hahn & Wills

Matthew Smith Andrew Nicolson

Paul Shorten Guy Bolam Jeremy Askew

Buckingham Gate

Devine Financial Management Blacktower FM

BolamRose

Town Close Financial Planning

27 I 128 I 61 I 61 I 27 I

Y Kingston Upon Thames

Y Kingston Upon Thames

N Kingston Upon Thames

Y Knightsbridge

Y Knightsbridge

11 I 33 R 122 I

N Leatherhead N Liverpool Street Y Loughton

The information in these tables is correct as of 14th February 2019

9

Keith Galgut

Vintage Financial

74 I N Mill Hill

Barnaby Balkwill Sam Whybrow

Ablestoke Financial Planning

Cervello

24 R Y Moorgate 58 I Y Moorgate

Tuli Ghosh Laurence Jackson

Consilium Financial Management

Fairstone

19 I N Moorgate 48 I N Moorgate

Jonathan Kinch

Fairstone

71 I N Moorgate

John Brock-Edgar

Fairstone

21 I N Moorgate

Scott Miller

Fairstone

13 I N Moorgate

Mark Beynon

Foster Denovo

34 I N Moorgate

Veronica Mann

Facts and Figures

19 I Y Pinner

Chandan Hinduja

SensInvest

68 I Y Pinner

Mark Gibson Jayesh Ratna Peter Adcock

Searles Financial Planning

AFH Wealth Management

Adcock Financial

13 R Y Putney 11 I N Queensbury 28 I N Richmond

Fiona Morpurgo

Morpurgo Wealth

14 I Y Romford

David Chew Tony Martin

Professional & Medical 55 I Financial Planning

N Romford

True Potential

26 R Y Romford

Amit Mittal

One Financial Solutions 22 I Y Ruislip

Rebecca Robertson Ed Shardlow Lucie Gee

Evolution Financial Planning

Ablestoke Financial Planning

Westminster Wealth

27 I Y Somers Town 11 R N South Bank 14 I N Southfields

Jonathan Rowe

Inpartnership

19 I Y St James's

Priyesh Patel Hamil Mason Liam Martin Adrian Douglas James Lindley Tom Wood Adrian Lambe Greg Neall

Ablestoke Financial Planning

Ablestoke Financial Planning

Audley Asset Management

Audley Asset Management

Castell Wealth Management

Clearwater Wealth Management

Clearwater Wealth Management

Wake Up Your Wealth

18 R Y St Paul's 13 R Y St Paul's 15 I Y St Paul's 15 I N St Paul's 14 R Y St Paul's 11 R Y St Paul's 12 FI Y St Paul's 32 I Y Staines

Jean-Fran?ois Rio Alexander House

11 R N Stockwell

Se?n Standerwick Christine Tucker

MLP Wealth Management

58 I

One Financial Solutions 31 I

N Surbiton Y Sutton

Nicholas Paling Justin Jordan Sarah Pearson

Motus Financial Planning

Leadenhall Wealth Management

Mulberry Chartered

11 R N Tooting 49 I N Tower Hill 16 I Y Twickenham

Matthew Allen

Mulberry Chartered

39 I Y Twickenham

Simon Allen

Mulberry Chartered

38 I Y Twickenham

Shazana Anwar Rebecca Welthy

Lighthouse Financial Advice

Watson Moore

18 R N Upminster 11 I Y Upminster

Sandra Corkhill

Wren Sterling

30 I N Upper Norwood

Luke Lally

Charles Derby

11 R N Wallington

Paul Standerwick Patrick McClelland Jonathan Willis

MLP Wealth Management

Primavera Financial Partners

Future Start

101 I N Wallington 15 I N Wanstead 17 I N Watford

Dean Barham Rachel Lane

Prospect Tree Financial 45 I Services

Fairstone

60 I

N West Wickham N Weybridge

Raj Unadkat

Foster Denovo

12 R N Weybridge

Paul Hodge

Pennymatters

25 I N Weybridge

The information in these tables is correct as of 14th February 2019

BROUGHT TO YOU BY

VOUCHEDFOR'S TOP RATED FINANCIAL ADVISERS

Michael Powell David Rose Gareth Rees Elliott Swatton Paolo Standerwick

Ian Hart

Antony Smith Simon Chandler Khalid Mahmood

Sandringham

12 I

Rose Financial Planning 10 I

GEM & Co

42 I

GEM & Co

66 I

MLP Wealth Management

Unbiased Financial Group

Providus Financial

181 I 46 I 14 I

Positive Solutions

58 I

Money Advice & Planning

15 I

N Weybridge N Whetstone N Wimbledon Y Wimbledon N Wimbledon

Y Wimbledon

N Woodford N Woodford Green Y Worcester Park

NORTH ENGLAND

Adrian Mahon

Depledge

13 I Y Altrincham

Stefan Stimpson

Entire FS

57 I N Altrincham

Morven Millar

Flora MaudsleyBarton Janine Barron

Gresham Wealth Management Parsonage

Sandringham

12 I N Altrincham 71 I Y Altrincham 15 I N Barnard Castle

David Cole

Regent Street Advisers 31 I N Barnsley

Damion Keyworth Stones McCourt

38 I Y Barnsley

Mark Gill

Co-operative Wealth 75 I N Barnsley

Nigel Porritt Alison Beardsell James Downing Stephen Hogg Paul Gilsenan Steve Crowe Paul Mullin

Heritage Wealth Solutions

18 I N Batley

Heritage Wealth Solutions

12 I Y Batley

Broadgate Financial Management

32 I N Billingham

Broadgate Financial Management

17 I Y Billingham

PSG Wealth Management

24 R Y Billingham

Ribble Wealth Management

85 I Y Blackburn

Ten Financial Planning 44 I N Blackburn

Glyn Hill Ben Wrigley Stephen McDine Chris Markham

Adcas Financial Management

Adcas Financial Management

Positive Wealth Management

True Potential

44 I N Blackpool 49 I Y Blackpool 70 I Y Blaydon On Tyne 18 R Y Blaydon On Tyne

Oliver Banks Lee Jeavons

Abbey Lane Financial Associates

24 I N Bolton

Hargreaves Lansdown 18 R Y Bolton

Byron Johnson

Sandringham

18 I Y Bolton

Garry Goodinson

True Potential

41 R N Bolton

Keith Jones

True Potential

24 R Y Bolton

Anthony Dukes Martin Miller Peter Slack

Meridian Wealth Management

Live Smart Financial Planning

Burlington Financial

19 I Y Bradford 79 I Y Bramhope 33 I N Bridlington

Wayne Graham

True Potential

36 R Y Burnley

Brett Garlick

Bury Financial Advisers 165 I Y Bury

Steve Holmes

Fair Trade IFA

45 I Y Bury

Emma Connaughton Holcombe

25 I N Bury

Jeremy Bostock

Holcombe

42 I N Bury

Paul Lindfield

Stratagem Wealth

42 I Y Bury

Matthew Slessor

Armstrong Watson

31 I N Carlisle

Keith Eastwood

True Potential

35 R Y Carnforth

Paul Ward

IJP Wealth Management 77 I N Cheadle

Angela Farrell

Sandringham

32 I Y Cheadle

David Jacobsen David Brassington

Arrow Financial Services

Cestrian Financial Planning

13 I N Chester 40 I N Chester

Mark Reidford Haleam Muhashash

Jane O'Hara Cathy Smith Mark Jones Donna Robertson Chris Sadler Melanie Wray Stephen Danson

Ashley Parry Paul Lewis Christina Clegg Kevin O'Neill

Kate Boon

David Nattrass Stephen Sumner

Peter French

Peter Davey Gary Smith Steven Bell Wayne Vernon Leonard Birnie Victoria Bell

Chris Breward Guy Austin Michael Lovell

Laura Berry

Paul Steel Michael Davidson Nick Berry William Churchill Laurence Turner Scott Palmer

Carl Shepherd Peter Johnys Chris Riley

Nick Barraclough Susan Tait Bob Stephenson Phil Smith Steven Cattle

Yianni Theodorou Richard Ilgmann

Innes Reid

34

Moneytree Wealth

24

Management

Rosebridge

12

Jones & Co

46

Jones & Co

123

Jones & Co

150

Jones & Co

50

Anne Wray

15

Banks Wealth

68

Management

Polygon Financial

73

Polygon Financial

98

Christina Clegg

137

O'Neill Financial

17

Services

Lifeplan Financial

99

Management

Sandringham

10

Explore Wealth

95

Management

Integrity Wealth

37

Management

Tilney

16

Tilney

29

True Potential

19

The Private Office

29

Tait Walker

17

The Pension Review

21

Service

Wealth of Advice

163

The Private Office

16

Chameleon Financial

21

Planning

IFS Wealth

11

Management

Pension Matters

88

Pension Matters

24

Prism Financial Advice 12

Positive Solutions

72

Investing For Tomorrow 68

Novus Financial

12

Services

Platinum Advice

36

Sandringham

11

Seventy Financial

65

Planning

The Private Office

17

The Private Office

20

Stephenson Johnson

48

Stephenson Johnson

49

Explore Wealth

22

Management

Logic Wealth Planning 84

Dane Valley Financial 11 Services

I Y Chester R N Chester

I Y Chester I N Chesterfield I N Chesterfield I N Chesterfield I N Chesterfield I N Chorley I Y Chorley

I Y Clitheroe I Y Clitheroe I Y Colne I N Congleton

I N Consett

I Y Consett I N Cramlington

I Y Crewe

R N Darlington R N Darlington R Y Doncaster I N Dronfield I Y Durham I N Durham

I N Durham I N Elland I Y Fleetwood

R N Gateshead

I N Gateshead I Y Gateshead I N Gateshead R N Guisborough I Y Halifax R N Harrogate

I N Harrogate I Y Harrogate I N Harrogate

I N Harrogate I N Harrogate I N Hessle I N Hessle I N Hexham

I Y Heywood R Y Holmes Chapel

KEY

STATUS: I: Independent financial adviser FI: Focused independent financial adviser R: Restricted financial adviser

FEES PUBLISHED: N: N o, this adviser does not display their fees structure on

VouchedFor.co.uk Y: Yes, this adviser does display their fees structure on

VouchedFor.co.uk

View these advisers' full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0592

DISTRIBUTED IN

10

VOUCHEDFOR'S TOP RATED FINANCIAL ADVISERS

NORTH ENGLAND

NAME

FIRM

REVIEWS STATUS FEES PUBLLOISCHAETDION

David Hardman Leanne Harris

Andrew Dodd

Steven Haigh

Martin Parry Barry Crawford

Robert Morse John Metcalf Ben Town

Michelle Ritson James Larton David Toner Richard Platt David Berry Darren Goodall

Adam O'Melia Joseph O'Shea Louise Pearson Alan Parkin

Clive Barwell Mike Greenhalgh Gurdit Singh

Julie Alexander Chris Douglas Julie Roche

Paul Kelly Malcolm Wallace Emma Craig

Sean McDermott Philip Wasley Martin Wilcocks Darron Whitehead

James Collins

Chris Lunt Mark Birchall

Simon Warburton

Kevin Titmus

Richard Clayton Wayne Chatwood Gary Stewart

Darrell Barnes Jonathan Garnett

Alex Pritchard

Simon Richards

Argent Wealth

42 I Y Houghton Le Spring

2plan Wealth Management

Heritage Wealth Solutions

Portal Financial Planning

Sandringham

38 I N Huddersfield 79 I N Huddersfield 91 I Y Huddersfield 20 I Y Huddersfield

Origen Financial Services

The Private Office

25 R N Hull 12 I N Ilkley

The Private Office

19 I N Ilkley

2plan Wealth Management

Gallagher

92 I N Keighley 11 I Y Lancaster

Truly Independent

11 I Y Lancaster

True Potential

22 R Y Lanchester

Clarity Wealth

66 I N Leeds

Gallagher

13 I Y Leeds

Informed Financial Planning

The Private Office

54 I Y Leeds 12 I N Leeds

The Private Office

43 I N Leeds

True Potential

15 R N Leeds

Vista Financial Management

Wren Sterling

107 I Y Leeds 29 I N Leeds

True Potential

18 R N Leigh

Chameleon Financial Planning

Cater Associates

35 I N Leyland 10 R N Liverpool

Douglas White

58 I N Liverpool

Hanover Wealth Management

Parker Kelly

29 I N Liverpool 10 I N Liverpool

Parsonage

37 I Y Liverpool

Prosperity Private Wealth

14 I N Liverpool

SMC Financial Services 112 I N Liverpool

True Potential

18 R Y Liverpool

Wilcocks & Wilcocks

40 I N Liverpool

Utopia Financial Planning

Cheshire Wealth Partnership

Chris Lunt IFA

96 I Y Liversedge 83 I N Macclesfield 112 I N Maghull

Birchall Financial Planning

Chequers Financial Services

Halcyon Financial Planning

Old Royle Wealth

14 R Y Manchester 74 I N Manchester 53 I N Manchester 82 I N Manchester

True Potential

16 R Y Manchester

The Pension Review Service

The Money Map

24 I N Middlesbrough 73 I N Mirfield

Utopia Financial Planning

Applewood Independent

Bailey Richards

19 I N Mirfield

14 I N Nantwich

75 I Y Newcastle Upon Tyne

Paul Bain

Gale and Phillipson

Craig Annan

Gale and Phillipson

Julie McBlain

J. McBlain

Christopher Booth Anthony Field

Lycetts Financial Services

Tilney

Carrie-Ann Woodgate

Jonathan Wilcox

True Potential True Potential

40 I N Newcastle Upon Tyne

37 I N Newcastle Upon Tyne

17 R Y Newcastle Upon Tyne

55 I N Newcastle Upon Tyne

29 R N Newcastle Upon Tyne

44 R Y Newcastle Upon Tyne

14 R Y Newton Le Willows

Paul Richardson

Amethyst IFAs

28 I N North Shields

Rachael Hall Derek Dryden

Circle Financial Services

Gale and Phillipson

34 I N North Shields 132 I Y Northallerton

Ryan Phelps

True Potential

15 R Y Northwich

Fergus Rushe

Vision

11 I Y Northwich

Michael Ablott

Hargreaves Lansdown 13 R Y Oldham

Eric Mowinski Shelagh Taylor Christopher Foster

Landmark Financial Planning

Landmark Financial Planning

Pennines IFA

38 I N Oldham 25 I N Oldham 19 I N Oldham

Angela Maher Joseph Stevens

Acumen Financial Partnership

True Potential

63 I N Ormskirk 102 R Y Ormskirk

Phillip Jones

True Potential

11 R Y Ormskirk

Thomas Hatley

Christopher Little & Co 16 R Y Otley

Jonathan Waterton JM Glendinning

10 I N Otley

Sachin Jain Andrew Brierley Neil Edmondson

Reward Financial Services

14 I N Otley

Seventy Financial Planning

41 I Y Otley

Hargreaves Lansdown 19 R Y Penrith

David Lamb

Lamb & Associates

11 I Y Ponteland

Dominic McLoughney Robert Gill

Stephen Fox

Becketts F.S.

TMF Wealth Management Flying Colours

67 I Y Poulton Le Fylde 49 R N Poulton Le Fylde 11 I N Preston

Ailsa Thomas

Springfield Financial Services

Vanessa Townshend Springfield Financial Services

Mark Russel

True Bearing

15 I N Preston 57 I Y Preston 79 I N Preston

Jonathan Darwen

True Potential

58 R N Preston

Adrian Hill Carl Fletcher

Octagon Financial Services

Fletcher Associates

14 R Y Retford 90 I N Ripon

Dominic Bowers

Farsight Financial

45 I N Rochdale

Gary Morgan

Hargreaves Lansdown 16 R Y Rochdale

Richard Martin

Norden and Bamford

89 I N Rochdale

Matthew Thompson Amit Ghai

Revolution Financial Services

Regency Wealth

36 I Y Rossendale 15 R Y Rotherham

Adrian Reese

True Potential

15 R Y Runcorn

Paul Taylor

Burnett & Co

46 I Y Sale

Darren Burnett

Burnett & Co

117 I Y Sale

Paul Campion

Haven IFA

59 I N Sale

Andrea Gregory

True Potential

40 R N Sale

Ken Whitworth

True Potential

24 R Y Salford

Mike O'Dea

True Potential

15 R N Salford

Paul Robinson

Moneyweb

75 I N Scarborough

Andrew Mence

Hargreaves Lansdown 13 R Y Selby

Andrew Ball

Fogwill & Jones

82 I N Sheffield

Sophie Smith

Fogwill & Jones

10 I N Sheffield

View these advisers' full profiles and contact them by visiting VouchedFor.co.uk or calling 020 3111 0592

Jillian Thomas

James Lawton Gregory Cooke

Steve Proctor Antony Barton Simon Shorthouse Daniel Schofield Allie Baglow

Chris Dixon Barry Orr

David Lloyd Pradeep Sharma Andrew Platt Mark Evans

Peter Tarr Neil Homer Paul Crossan Matthew Bryan-Harris Mark Carter Joe Rose Christopher Bailey Chris Newland

Emma Cherrington

Anthony Prior Nick Matthews Don Axtell Chris Flynn Wes Wilkes Abad Khan Paul Clough

Joe Bonallie Glen Sayer Martin Amer Joe O'Connor John Carter Ian Pine Mark Brown David Rogers Alastair Miller Paul Moat

Andrew Elson Anthony Roberts David Barton Andrew Day Dominic Liptrot

Gareth Nicholson Helen Brown Stephen Cross William Smith

Andrew Gilmore

Simon Hanson Nick Lawson

Future Life Wealth Management Futures Assured Polaris Wealth Management The Money Map Robertson Baxter Robertson Baxter The Private Office Allisons Financial Planning Approachable Finance Barker Sutcliffe and Associates Lloyd & Co. Optasia Callisto Revolution Financial Services Hargreaves Lansdown Lonsdale Wealth Hargreaves Lansdown Hargreaves Lansdown

23 I Y Sheffield

74 I N Sheffield 63 I N Sheffield

48 I 10 I 35 I 14 I 106 I

Y Sheffield N Shepley N Shepley N Shipley N Skelmersdale

56 I N Skipton 64 I N Skipton

54 I N Southport 10 R N Southport 52 I N St Helens 26 I Y St Helens

33 R Y Stafford 46 I N Stafford 16 R Y Stalybridge 14 R Y Stockport

Pettecrew

65 I Y Stockport

Prest Financial Planning 33 I Y Stockport

True Potential

45 R N Stockport

WTK Financial Solutions

Active Chartered Financial Planners

132 I Y Stockport 62 I N Stockton On Tees

Joslin Rhodes

10 I N Stockton On Tees

MG Shaw

73 I N Stockton On Tees

True Potential

70 R N Stockton On Tees

Giliker Flynn

65 I N Stoke On Trent

IronMarket

12 I N Stoke On Trent

Right Financial Planning 26 I N Stoke On Trent

Grainger Financial Planning

Inspire Financial

79 I Y Sunderland 26 R N Sunderland

True Potential

16 R Y Sunderland

True Potential

21 R N Sunderland

True Potential

14 R Y Tarporley

Charles Derby

11 R N Wakefield

Gallagher

14 I Y Wakefield

True Potential

21 R Y Wakefield

Elliot Miles

72 I Y Warrington

Farsight Financial

78 I Y Warrington

Explore Wealth Management

Berry & Oak

15 I N Washington 64 I Y Wetherby

Hargreaves Lansdown 12 R Y Wetherby

Prosper IFA

78 I N Wigan

Depledge

105 I Y Wilmslow

Nigel Liptrot and Associates

Tait Walker

20 I Y Wilmslow 60 I N Windermere

Phillip Bates & Co

101 I Y Wirral

True Potential

38 R N Wirral

Wirral Financial Services

56 I N Wirral

Active Chartered Financial Planners

11 I N Yarm

Hargreaves Lansdown 12 R Y York

HGH Wealth Management

47 I Y York

The information in these tables is correct as of 14th February 2019

11

Graham Thompson Asif Sadullah Ricardo Da Silva John Walker Al Spall Simon Cowley

Huntington Ross PenLife Associates PenLife Associates PenLife Associates True Potential Walker Crips

60 I N York 32 I N York 51 I Y York 57 I N York 34 R N York 15 I N York

NORTHERN IRELAND

Zara Davis Gareth Elliott Steven Crothers Dale Kirkpatrick

Ciaran Scullion Patricia Newell David Hill Glenn Welby Paul Chada Frank Smyth

Newbridge

12

Newbridge

87

True Potential

11

Navigator Financial

24

Planning

From Acorns

47

Hargreaves Lansdown 19

Hills Financial Planning 50

Welby Associates

20

Furnley House

68

Atlas Planning

42

I N Belfast I Y Belfast R Y Belfast I Y Dromore

I N Dungannon R Y Holywood I N Larne I N Lisburn I N Magherafelt I N Newry

SCOTLAND

Charlotte Sinclair Andrew Macintyre

Carl Melvin

Graham Brodie Andrew Finnie Stuart Huxtable Paul Lothian Alistair Lauchlan Ian Galston

Terry Hunter Hugo BalfourMelville Andrew Reynolds Kathryn Tomlinson Stephen Hall Samantha Gibson David Garvey Malcolm Ramsay

Michael Angus Paul Allan David Mackintosh Clayton Cumming

David Jack Iain Forrest

Steven Mason Alistair Creevy

Paul McFadyen

Dhawal Chandan Andrew Singleton

David Hands

Martin Banerjee

Thomas Marshall

Bobby Welsh

St. James's Place

15 R

MacIntyre Wealth Management

Affluent Financial Planning

Succession Wealth

12 R 184 I 35 I

Border Finance

248 I

True Potential

69 R

Verus Wealth

52 I

Verus Wealth

27 I

2plan Wealth Management

Westgate Mortgages

43 I 41 I

2plan Wealth Management

AAB Wealth

61 I 11 I

Cailean

56 I

Cornerstone

10 I

Hargreaves Lansdown 14 R

LIFT-Advice

39 I

Ramsay Asset Management

Sanlam Wealth

29 I 14 R

Wren Sterling

14 I

Advanta Wealth

72 I

Advice & Weath Management

Castlebank

117 I 21 I

Forrest Financial Management

17 I

Gilliland Neilson Brown 43 I

Independent Advisers Scotland

Independent Advisers Scotland

Just Financial Group

74 I 50 I 73 I

Money Advice & Planning

Origen Financial Services

Origen Financial Services

S W Financial Management

Simple Wealth Management

61 I 20 I 14 R 27 I 14 R

Y Aberdeen N Aberfeldy

N Bridge Of Weir

Y Doune N Dumfries N Dumfries N Dundee N Dundee N East Kilbride

N East Kilbride N Edinburgh

N Edinburgh N Edinburgh N Edinburgh Y Edinburgh N Edinburgh N Edinburgh

N Edinburgh N Edinburgh N Glasgow N Glasgow

N Glasgow N Glasgow

Y Glasgow N Glasgow

Y Glasgow

Y Glasgow N Glasgow

N Glasgow

N Glasgow

Y Glasgow

Y Glasgow

The information in these tables is correct as of 14th February 2019

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Y Carterton Y Chelmsford Y Chelmsford

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12 R Y Chesham 55 R Y Chichester

11 I N Chichester 45 I Y Chichester 37 I Y Christchurch

36 I N Clacton On Sea

27 R Y Clacton On Sea

90 I N Colchester 34 I N Colchester 10 R Y Colchester 20 I N Colchester 11 I N Colchester 17 R N Cranleigh 35 I N Crowborough 13 R N Dartford 52 I Y Dartford

12 I N Dedham 13 I N East Grinstead 41 I N East Grinstead 220 I N Eastbourne 32 R N Eastbourne 11 R N Eastbourne 11 I N Epping 66 I Y Fareham

16 I Y Fareham

11 I N Fareham 65 I N Fareham

16 I Y Fareham 17 I N Fareham

12 I N Farnham

22 R Y Felixstowe 57 I N Folkestone 10 I N Folkestone 12 R Y Frinton On Sea

KEY

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FEES PUBLISHED: N: N o, this adviser does not display their fees structure on

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