17 financial advisers in Liverpool

Why choose a financial adviser in Liverpool?

A professional financial adviser can make a huge difference in your financial future. Here’s why choosing an Independent Financial Adviser (IFA) in Liverpool is important:

• Tailored to local needs

  Independent financial advisers in Liverpool understand local costs, property markets, and regional trends.

• Goal-oriented advice

  Whether building an investment portfolio or planning for retirement, a financial adviser keeps you on track.

• Tax-efficient planning

  Advisers may know the best strategies to reduce your tax burden and maximise investment returns.

How to find a financial adviser in Liverpool

When it comes to managing your finances, working with an independent financial adviser in Liverpool can provide the personal touch and local expertise you need. Whether you're looking for retirement planning, tax advice, or investment strategies, IFAs in Liverpool are often knowledgeable in both national regulations and local financial trends.

Use our comprehensive map above to find a financial adviser in Liverpool who can help you achieve your financial goals.

What to expect from an IFA in Liverpool

Engaging with a financial adviser in Liverpool typically involves the following steps:

1. Initial consultation

Your adviser will discuss your financial goals, assess your current situation, and identify opportunities for improvement. This may include a review of income, savings, investments, and tax status.

2. Tailored financial plan

Based on your unique needs, your adviser will create a personalised plan. This could include:

• Investment strategies

• Pension contributions

• Tax-efficient savings

3. Ongoing support

Financial advisers don’t just offer one-time advice. They provide ongoing guidance, regularly reviewing your progress and adjusting strategies as needed.

What to ask your independent financial adviser

Before you hire an independent financial adviser in Liverpool, it’s important to ask the right questions. Consider using this checklist to ensure you choose the best fit:

1. Certifications and experience

   • Are you accredited with qualifications like DipPFS, ACA, ACCA, LIBF, CII, and CISI?

   • How many years of experience do you have?

2. Fee structure

   • Do you charge a flat fee, hourly rate, or a percentage of assets managed?

   • Are there any hidden costs?

3. Specialisations

   • Do you specialise in areas like tax planning, retirement, or investments?

   • Have you worked with clients in my industry or financial situation?

4. Accessibility

   • How often can I contact you?

   • Do you offer online or in-person consultations?

5. Track record

   • Can you provide references or case studies?

   • What is your success rate with clients like me?

Comparison of financial adviser types

Choosing the right type of IFA can be challenging. Here’s a breakdown of your options:

The features, pricing, and services listed in the comparison table are based on general information and may vary by service provider. Please check directly with the IFA or service provider for specific details and the most accurate information.

Financial advice in Liverpool

Online IFAs can offer a full range of financial advice services in Liverpool, including:

Retirement planning in Liverpool

Retirement planning is crucial to secure your future. An online IFA can guide you through your pension options and savings plans, helping you feel confident about retirement.

Investment advice in Liverpool

Whether it’s stocks, bonds, or local property, an IFA can help you make the best decisions that fit your goals and the unique market conditions in Liverpool.

Pension advice in Liverpool

Navigating pensions can be confusing. An IFA can explain the ins and outs of both state and private pensions, helping you choose the best option for your needs.

FAQs about financial advisers in Liverpool

How much does a financial adviser in Liverpool cost?

The cost varies based on services, but typical fees include:

• Initial consultations: £150 -£500

• Ongoing support: 1% - 2% of managed assets or flat monthly fees

What does a financial adviser in Liverpool actually do?

A financial adviser in Liverpool aims to help you make informed decisions about your money. They provide tailored advice on saving, investing, retirement planning, tax strategies, and more. Their goal is to help you achieve your financial goals while considering local factors like the cost of living and property market trends in Liverpool.

Can a financial adviser in Liverpool help me with inheritance tax?

Yes, some financial advisers in Liverpool can provide expert inheritance tax planning advice. They help structure your estate efficiently, ensuring your beneficiaries receive the maximum possible inheritance while minimising tax liabilities. This can include strategies like gifting, trusts, and allowances specific to UK tax laws.

Do financial advisers only work with high-net-worth individuals?

Not at all. Financial advisers in Liverpool work with people from all financial backgrounds. Whether you’re planning for retirement, buying your first home, or managing debt, they can create personalised strategies to help you reach your goals.

Are financial advisers in Liverpool regulated?

Yes, reputable financial advisers in Liverpool are regulated by the Financial Conduct Authority (FCA). This ensures they meet strict standards of professionalism and ethics. Always check that your chosen adviser is FCA-registered before engaging their services.

How often should I meet with my financial adviser?

The frequency of meetings depends on your financial goals. You may consider:

• Annual reviews - To track progress and adjust plans.

• Quarterly check-ins - If you have active investments or ongoing tax planning.

• As needed - For life events like marriage, buying property, or starting a business. Online advisers offer flexible meeting schedules to suit your needs.

Can I get financial advice online in Liverpool?

Yes, an online IFA can offer expert advice, providing the same level of professionalism as in-person advisers in Liverpool.

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Reviewed by Andrew Holmes. This page was last updated on 6th January 2025.