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Financial Advisor Liverpool

Need a financial advisor near Liverpool? We’ve got you, we listed everything you need to know before you talk to one. For more help, take a look at our news & blogs.

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Financial Advisor Liverpool

Searching for a financial advisor in Liverpool

What specific experience do financial advisors in Liverpool have? How do I know if the fees charged by a financial advisor are reasonable? What should I prepare or consider before my initial consultation with a financial advisor? These are some of the questions you should consider when you start your search. 

Simply enter your postcode to find a local financial advisor in Liverpool by clicking here.

How and where to start

A financial advisor will assess both your current and future financial situation. Our financial advisors in Liverpool offer a free, no-obligation initial consultation. After the review, the advisor will provide some recommendations.  Once you appoint the advisor, they will conduct an annual financial review. Therefore, we recommend choosing a local financial advisor who works nearby.

The FCA authorises and regulates all our advisors. Explore current case studies to understand how a financial advisor in Liverpool can assist you. 

Pension advice

The most common type of financial advice pertains to pensions. This typically includes company pensions, such as group personal pensions, occupational schemes, and auto-enrolment schemes. These schemes allow you to withdraw approximately 25% of your pension as a tax-free lump sum after the age of 55. Additionally, upon retirement, you can consider a money purchase arrangement. This includes income drawdown or purchasing an annuity.

There are many good reasons to engage a financial advisor in Liverpool. Especially to ensure that fees are competitive with other schemes and that the pension provides drawdown facilities.

Other areas of advice offered by advisors covering Liverpool

  • Investment & savings: An advisor can access investment funds you cannot find on the high street.
  • Financial planning: A financial advisor can help you evaluate your financial goals.
  • Final salary pension schemes: It is mandatory to have advice if the funds are over £30,000.
  • Inheritance tax planning advice: Avoid passing on a large inheritance tax bill.
  • Insurance and protection: Access a wide variety of insurance products.
  • Mortgage & remortgage: Getting the right financial advice can prove crucial whether you buy your first home or move home.

Contact us for a financial advisor in Liverpool

We have listed more than 250 financial advisors in nearly every city, including Liverpool. Our goal is to connect you with advisors who are close to your location. The FCA approves all our advisors. Therefore, ensuring you have reliable financial advice. Finding an advisor near you has never been easier than with Regulated Advice.

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Frequently asked questions

How much does a financial advisor cost?

If you appoint a financial advisor to review your investment or pension portfolio, you may be charged a fee based on the total value of the funds. Typical percentages range from 1% to 3%. For complex cases, such as a final salary scheme, a fixed fee can be agreed upon before giving advice. Some advisors may charge you an hourly rate for certain specific services, such as calculating pension lifetime allowances.

Do I need a financial advisor?

If your pension pot is more than £30,000 and is a defined benefit scheme, you will require regulated financial advice. UK regulations mandate this requirement. Most leading UK pension providers now insist on regulated advice for transfers of this size on defined contribution schemes.

Who can help with pension advice?

Any financial advisor in Liverpool certified by the FCA can give you financial advice. All our listed advisors are checked against the Financial Conduct Authority (FCA) register. We list on all advisor profiles both the personal FCA reference number and the FCA reference number for your peace of mind.  

How do I find a financial advisor?

Feel free to search our financial advisor directory by clicking here. Alternatively, we can match you to a financial advisor by clicking here.

Are you qualified to help me?

By law, all financial advisors must hold at least an FCA-approved level 4 qualification. Many will have higher qualifications for specialist areas of advice, such as defined benefit schemes, but you may want to check that they at least meet the standard.

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