Financial Advisor Oxford

Need a financial advisor near Oxford? We can help; we work with over 250 financial advisors who cover the whole of the UK. And in 2024, we connected more than 12,000 people with those advisors. Many advisors these days conduct remote video meetings as they are convenient and time-efficient for both parties. However, some still do prefer face-to-face meetings. Whatever you prefer, we aim to find an advisor close to you.

Finding a financial advisor in Oxford

When starting to search for a financial advisor in Oxford, ask yourself a few things.

What experience does the advisor have?'
What sort of advice are you looking for?'
What charges can you expect to pay for the financial advice offered?

You may also find it useful to browse through our tips and guides for help and information or use our financial tools.

How and where to start

A financial advisor in Oxford will conduct an initial meeting, free of charge. It gives them a chance to find out what your current and future financial goals are. At the same time, it also gives you a chance to get to know them and what they can offer.

Following the initial meeting. The advisor will provide suggestions tailored to you and your situation. If you then choose to appoint them as your advisor, they will conduct regular reviews. The ongoing reviews are at intervals that you choose and that suit you. Therefore, in some cases, it's convenient if the advisor is close to you. Above all, remember the FCA authorises and regulates all of our financial advisors.

Pension Advice

The most common types of company pension schemes are:

Group personal pension schemes
Occupational schemes
Auto-enrolment schemes

These schemes allow you to access up to 25% of your pension as a tax-free lump sum. You can access your pension from the age of 55, rising to age 57 from 2028. In addition, you can also enter a money purchase scheme at retirement, giving you various income options. These options include flexible income drawdown and annuity purchase.

The financial advisor in Oxford can also help with personal pensions. Personal pensions are a bit like company schemes, but can have different features. As such, it is essential to understand all your options. Getting expert pension advice will help you fully understand the options available. This, in turn, will also help you to make the right choices.

So, if you’re looking for advice on your pensions, it's an ideal time to find a financial advisor in Oxford.

Other key areas of financial advice offered by advisors in Leeds

Final Salary Pensions: In the UK, if you have a final salary or defined benefits pension scheme of over £30,000. It is now mandatory to seek financial advice. Hence, a financial advisor will help you understand your retirement income options.
Investment and savings: Financial advisors have access to a wide range of investment products that are not always available on the high street. Their aim is to help you achieve more growth on your funds than you could get in a bank or building society. However, they will only recommend suitable products that align with your risk profile.
Financial Planning: A financial advisor can help you evaluate and achieve your financial goals and objectives. Whether it’s over the short, medium or long term. The advisor can create a plan to suit your needs.
Insurance and Protection: Financial advisors can access a large range of insurance and protection products. For example, income protection, critical illness cover and various life insurance policies. With their knowledge and expertise, they can find the best deals available to suit what you need.
Inheritance Tax Planning: With the correct planning, your financial advisor can help you avoid or reduce future IHT bills your heirs may face.

Contact us for a financial advisor Oxford

We always aim to find a financial advisor close to you whenever possible. We work with over 250 advisors who cover the whole of the UK. In 2024, we connected more than 12,000 clients with our financial advisors. They can assist you with every aspect of financial advice. Also, remember the Financial Conduct Authority authorises all our advisors. So finding an advisor near you could not be easier when using 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 Oxford 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 piece 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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