Financial Advisor Manchester

Making the decision as to whether or not you should engage the services of an adviser can feel like a leap of faith, with already stretched finances being put under even more pressure in order to cover the cost of their services. However, on the flip side of the coin, poor economic decisions can end up costing you a significant amount of money and wading through the sheer volume of information can be overwhelming at best.

The common misconception is that professional independent financial advice near you is the domain of the wealthy, and while there certainly are firms that will only consider taking on clientele who have over £1 million in their portfolio, there are plenty of firms who cater to a more modest sum of money and can help you navigate the complex market in order to grow your wealth. Indeed, many clients seek help relieving debt load without neglecting their other goals.

If you are on the fence as to whether hiring an adviser is the right move for you and your money, then it may be worth taking stock of your current circumstances.

Things to Consider When Choosing a Financial Advisor in Manchester

If any of the following play a part in your life now, or in the future, then you may benefit from the services of an adviser.

Most people will at some stage in their life, need more than one of the above products. But working out how they can complement each other, as well as which is the right product to meet your individual requirements, is a complex area that takes years of experience to master. Not only this, but studies have shown that by working with a reputable adviser, the return on your portfolio can be as much as 3.75 percent per annum.

Top 10 Independent Financial Advisors in Manchester

Rank	Advisor	Description	Find An Advisor
1		At Camargue Wealth the highly skilled, independent financial advisors aim to provide a wide range of clientele with their holistic advisory services.	Find An Advisor
2		The advisors at Old Royle pride themselves on offering a highly personalised, face to face service that is the foundation for a long lasting, financially beneficial relationship.	Find An Advisor
3		Close Brothers are one of the longest established advisory services in the UK and currently manage over £11.7 billion with a high quality, professional service.	Find An Advisor
4		At Landmark, the chartered financial planners create strategic plans that revolve around your unique circumstances and aspirations.	Find An Advisor
5		At Innes Reid they believe their commitment to their customers and their ethical code of practice is clearly demonstrated by their chartered financial status and their award winning Financial Times Mystery Shopper for 2015.	Find An Advisor
6		The team of experts at Pareto implement a holistic approach to protecting and growing your finances in order to effectively plan for a comfortable and financially secure future for you and your family.	Find An Advisor
7		At Concerva they have taken a number of impressive steps to ensure that their clientele receive the best possible advice across all areas of financial planning.	Find An Advisor
8		Appleton Gerrard are independent financial advisors who offer a comprehensive service local to Manchester and with your success at the heart of everything they do.	Find An Advisor
9		At Cheetham Jackson they follow a comprehensive road map to set you on your path to financial freedom. They will work closely with you on a personal level in order to identify where you want to be, and how you can get there in how much time.	Find An Advisor
10		Athena Wealth is a small company that offers a bespoke and highly personal service to its valued clientele. They understand the importance of economic security and knowing that what you have is well looked after.	Find An Advisor

Can You Meet the Expense of an Independent Financial Advisor?

The price of engaging the services of an independent financial advisor can be prohibitive, however, how do you know if the benefits can outweigh this initial cost? The good news is that there are a large number of firms, who will offer clients an initial consultation completely free of charge to gauge whether they can offer you assistance, and also to ascertain whether they are a good fit for your continuing relationship.

Why You Should Look For An Independent Financial Advisor In Manchester

Often your relationship with your adviser is ongoing, and requires both trust and respect from both parties. An independent advisor can meet with you face to face, to get to know you and your individual circumstances. This can be an important step towards building a financially beneficial relationship that can help you realise your aspirations and goals.

Here is our round-up of IFAs in Manchester

At Camargue Wealth the highly skilled, independent financial advisors aim to provide a wide range of clientele with their holistic advisory services. They offer a free initial consultation where they take the time to sit down and really understand your unique circumstances before providing you with details of how their expertise can benefit you personally. The advisors at Camargue Wealth have extensive experience across a wide range of products and can offer expertise across the following services:

Business Protection
Protecting your business can help ensure your business survives financially in challenging times such as when owners or employees are afflicted by illness or death.

Investments
Unless you are obsessively following the markets and have the skill set and discipline to create realistic projections, you should seek financial advice from a professional such as the independent advisors at Camargue Wealth. They can help you carefully consider all your investment options, as well as your attitude to risk, in order to create a distinct portfolio to suit your individual requirements and help you meet your goals.

Life and Protection Insurance
Many people are unaware that the cost of life insurance has fallen while the level of cover has improved. Because of this it is worth consulting with an advisor even if you already have cover in place so they can review your existing product and ensure it is still the best one for your needs.

Long Term Care
Around 47% of men and 58% of women will require long term care in their old age, and as life expectancy continues to grow, these numbers continue to rise. With these odds it is worth making preparations now, so you know you will have enough to meet the cost of care in the future.

Mortgages
There are many different products available to suit different needs and the independent financial advisors at Camargue Wealth can help you navigate this area to find the best product for you. Purchasing a property is likely to be one of the biggest financial commitments you make in your lifetime, and therefore seeking the right financial advice is important.

The advisors at Old Royle pride themselves on offering a highly personalised, face to face service that is the foundation for a long lasting, financially beneficial relationship. They firmly put the client at the heart of everything they do and offer completely unbiased advice from across the whole market.
They offer new clients a completely free initial consultation where they strip back all the jargon in order to provide you with clear, concise information on how they can help you grow and protect your wealth.

Investments
Investing your money can come with considerable risk, and it is therefore important that you have the right advice, from a qualified professional, especially tailored to suit you. At Old Royle they can offer you experienced counsel across a number of different types of saving and investment including asset-backed investments, deposit based investment, and individual savings accounts.

Pensions
Whether you are searching for a pension scheme for your employees, or simply trying to find the best product for your own retirement, the expert advisors at Old Royle have you covered. Pension planning is a complex area with many different variables as well as tax considerations, restrictions, investments, projections and other forms of saving. The advisors at Old Royle can take you through all your retirement options and pension freedom so you can look forward to a comfortable retirement free from financial stress.

Protection
You may already have insurance in place to cover your assets or even to protect your family in the event of your death. However, it is important to review any cover already in place in order to take advantage of changing markets and in particular the recent cuts to the cost of life insurance. Protecting yourself against illness or death should be just as much of a priority as protecting your car or home. The advisors at Old Royle can take you through the myriad of different options to find the best level of protection for both you and your family.

Close Brothers are one of the longest established advisory services in the UK and currently manage over £11.7 billion with a high quality, professional service. The advisors at Close Brothers focus on building long term relationships that allow them to provide a comprehensive service for the entire lifetime of their clients.

Whilst Close Brothers do have their own investment products which they readily recommend to clients, they also implement a methodical research and analysis methodology, on the back of which they recommend unbiased products from other firms.

Investment Services
The advisors at Close Brothers provide their clients with ongoing, highly proactive investment management that is built on a foundation of disciplined, meticulous analysis across a multi-asset marketplace. They remained focused on growing your wealth, in line with your principles and attitude to risk, across the following principles:

• Investment management
• Socially responsible investing
• Managed portfolios
• Inheritance tax
• Investments for charities

Financial Planning
With their expertise and disciplined process, the advisors at Close Brothers can help you prepare for any of the important decisions that may arise in your future with a detailed, comprehensive plan that is tailored to your exact requirements. This includes helping you navigate areas such as mitigating your tax liability by making use of tax allowances and continually staying abreast of changes in legislation. Protecting, managing and growing your wealth couldn’t be easier than with the in-house experts taking care of all the problematical complexities in order to meet your expectations.

Clientele of Close Brothers can take advantage of a complimentary initial consultation where you can learn how their service can assist your unique situation including:

Investment advice
Expert asset management in order to achieve your goals in a timely manner in line with your plans and aspirations.

Retirement advice
The planners at Close Brothers can expertly guide you through the vast choice of retirement options in order to achieve the retirement you envisage.

Estate planning
The advisors will help you successfully navigate estate planning and structure in order to protect your wealth for your loved ones.

Protection
Quality advice in line with your unique circumstances, in order to effectively protect your income, family, property and business.

Mortgage advice
The complete mortgage advice service can effectively guide you through the different products and procedures in order to find the best mortgage to suit your needs.

At Landmark, the chartered financial planners create strategic plans that revolve around your unique circumstances and aspirations. They take the time to get to know you, your current situation, and your goals and ambitions, in order to create a true personalised strategy, providing the very best solutions. Clientele of Landmark can confidently place their trust in a company that has you and the local community at its heart, as illustrated by the charitable work they carry out in Manchester.

Whilst Landmark will positively work with any client, of any age or circumstance, they specialise in the following areas:

Over 55
It is at this age that many of us have a shift in priorities, and thoughts start to turn to your retirement. It is therefore important that you have a solid plan in place to help you achieve the future that you aspire to, and this is where the experienced planners at Landmark come in. Helping you answer questions such as Can you afford to retire early? and How do you achieve a smooth transition into retirement? is part of how the experts at Landmark help you put a plan in place. They can consolidate multiple pensions as well as savings and investments to give you a clear picture of what your options are and give you the confidence to make the best decisions with regards to your future.

Widowed
In what is already a stressful and emotional time, the planners at Landmark can handle all your dealings with compassion and patience in order to help reduce your stress and provide you with a sound plan that is working towards a secure future.

Business Owners
The planners at Landmark understand that as a business owner you are likely to have very little time to dedicate to matters of finance, both personally and within the business. That is why they are on hand to ensure that you don’t neglect to protect and grow your business and personal wealth in line with your goals and aspirations. They can help navigate the complex tax structures in order to ensure you are tax efficient as well as how to make the best use of benefits, freedoms and allowances available to you.

At Innes Reid they believe their commitment to their customers and their ethical code of practice is clearly demonstrated by their chartered financial status and their award winning Financial Times Mystery Shopper for 2015. They offer clear, objective advice that covers the entire market and is totally tailored to each individual client. Their highly skilled team of professional advisors are on hand to offer advice and guidance on investment opportunities, improving tax efficiency, saving for your retirement, financing your personal goals and protecting your family and/or business.

The aim at Innes Reid, is to provide friendly, relaxed, advice that is free from any jargon and easy for clients to digest, giving them the confidence to make informed decisions about their future. Innes Reid also believes in providing innovative solutions in a highly competitive market and utilising the latest technology in order to provide their clientele with real time solutions.

Financial Planning
It is the plan at Innes Reid to provide their clientele with a solid plan that cares for and maintains the economic security of them and their families. Their personal service works in line with your unique circumstances to create financial well-being with saving and investment opportunities, retirement plans, insurance and income protection and ways to minimise tax liabilities.

Wealth Management
Investment opportunities are constantly arising and changing in today’s marketplace and therefore having experienced advice is paramount to creating a successful investment portfolio in order to grow your wealth. Innes Reid have harvested technology in order to deliver their innovative six stage process to best meet your individual needs.

Pension and Retirement Planning
Clientele of Innes Reid can be confident that they are receiving the very best retirement service, as your advisor will hold the G60 Advanced Pension qualification and are approved pension transfer specialists with the Financial Conduct Authority.

Inheritance Tax Planning
With inheritance tax being 40% of the total value of your estate, the value of engaging the services of an inheritance tax specialist in order to mitigate your exposure, is priceless to your beneficiaries.

The team of experts at Pareto implement a holistic approach to protecting and growing your finances in order to effectively plan for a comfortable and financially secure future for you and your family. The dedicated service clientele receive at Pareto is completely tailored in order to meet your short, medium, and long term plans with the most appropriate advice for you.

Tax Planning
Without professional guidance, it is likely that you will sacrifice much of your hard earned estate to the taxman. At Parvo they will leave no stone unturned in their efforts to mitigate your tax liability in order for you and your family to have complete peace of mind that your finances are working in line with your objectives. They can help with your succession plans as well as taking advantage of various allowances and taking appropriate steps to protect your assets through tax mitigation measures.

Pensions
Managing your retirement plans now, can help you secure the lifestyle you aspire to in the future. Realising your full potential in retirement requires a highly skilled and meticulously planned strategy that harnesses pension tax efficiency in order to avoid any deficiencies. Working closely with you, the specialist team of advisors will put together a plan that meets your retirement aspirations while taking into account the here and now in order to help you achieve your desired lifestyle. This is done in an entirely holistic way, in order to take into account all your existing commitments to ensure your finances are all complementing each other.

Investments
At Pareto they focus on achieving the maximum returns on your investments by understanding your unique circumstances, your aspirations and your appetite for risk in order to put together an investment portfolio that will work hard towards achieving your goals. Whatever level of investment advice you require, the team are on hand to guide you through the process as well as constantly monitor and assess your portfolio to ensure your investments continue to perform well in an ever changing marketplace. Investment advice at Pareto covers the following areas:

• ISAs
• Unit Trusts
• Open ended investment companies
• Investment bonds
• Corporate investments
• Structured products
• Exchange traded funds
• Offshore investment
• Access to discretionary fund management
• Wrap platforms
• Asset allocation
• Cash management

At Concerva they have taken a number of impressive steps to ensure that their clientele receive the best possible advice across all areas of financial planning. Primarily, they achieve this by employing advisors who have specialist expertise in a particular discipline in order to ensure that you ultimately benefit from the combined efforts of all the advisors across the team. In addition to this, they will only employ advisors who are salaried in order to ensure the advice you receive is completely impartial and none of their employees have any bias towards any one product on the market place.

Financial Planning
Planning your finances can seem like a daunting task, however, at Concerva they utilise their specialist advisors to take the ambiguity out of your finances and replace it with a clear, concise plan that is easy to understand and will work hard towards achieving your objectives. This is all done in a highly personalised way, after getting to know you and your aspirations as well an exhaustive review of your current arrangements.

Retirement Planning
Retirement planning is a complex area with many different products and services available. Getting specialist advice can make all the difference to your retirement and help you achieve your goals as well as set realistic expectations. At Concerva their specialist advisors are on hand to advise you on the following pension schemes:

• • • • Stakeholder pension
      • Personal pension
      • Self invested personal pension (SIPP)
      • Small self administered scheme (SSAS)
      • Executive pension plans
      • Previous employer pension schemes
      • QROPS

Wealth Management
At Concerva they can professionally assist you in identifying and achieving your objectives when it comes to managing your wealth. They can review and manage your current arrangements as well as assist you in investments, ISAs, inheritances and long term security.

Tax Planning and Advice
Taxes often present a complex and potentially costly area of your plan and it is therefore of enormous benefit to engage the services of a professional to help you mitigate your tax liability as well as identify any tax opportunities.

Appleton Gerrard are independent financial advisors who offer a comprehensive service local to Manchester and with your success at the heart of everything they do. They offer everyone the chance to obtain a quick online diagnosis of their current situation and how Appleton Gerrard can help them grow and protect their finances using their online predictor as a first step indication. This can help you ascertain which of their strategies or programmes would be relevant to your unique circumstances.

Once you establish contact with Appleton Gerrard, they will employ a proactive approach that is completely tailored to you. They achieve this by helping you understand and organise your finances before identifying your goals and ambitions. This is the foundation for a long term relationship that has you and your financial success at the heart of everything they do. They implement a Lifetime Cash Flow Modeling system which enables them to put a personalised strategy in place, supported by the products and services that are best suited to help you achieve financial freedom.

Tax Mitigation
With income in excess of £150,000 being hit with a massive 45% tax bill, as well as entities such as the 40% inheritance tax levied on your estate, this makes up a large sum of your overall wealth and therefore, hiring experts who can operate legitimately to mitigate your tax exposure can make a huge difference to your economic future. There are many means of reducing your tax, including authorised investments which repay some of the tax you’ve paid and remuneration packages.

Wealth Accumulation
The advisors at Appleton Gerrard will employ comprehensive, transparent strategies in order to devise the best way to budget and plan for your future. By identifying your goals and the time frames you have to achieve them, they can work with you to put a target growth rate in place in order to make focused investment decisions. This is all carefully monitored in order to ensure that your investments remain on target in volatile market conditions.

At Cheetham Jackson they follow a comprehensive road map to set you on your path to financial freedom. They will work closely with you on a personal level in order to identify where you want to be, and how you can get there in how much time. This information can then be used to put a holistic plan in place to help you achieve your goals and ensure you have complete security in the future.

Investment
The investment market place is an intricate and complex arena in a constantly changing marketplace. Unless you have the time and dedication to study the markets and obsessively follow the ebbs and flows, as well as the expertise to know when and how to place your money, then it’s likely that you would benefit greatly from the services of one of the professional advisors at Cheetham Jackson. They will work with complete transparency in order to educate you enough to make the right decisions at the right time for your finances.

Shares, Bonds and Gilts
Our experienced investment advisors can build you a diverse portfolio across a range of products. They can access the entire market including unit trusts, shares, bonds and gilts that can work together to create the building blocks of a truly balanced portfolio that can act towards achieving your goals.

Pensions, ISAs and Other Tax Efficient Plans
The highly skilled team of advisors at Cheetham Jackson can work with you to enable you to mitigate your tax liability on your income tax, capital gains tax, and corporation tax. This can be done in line with your investment portfolio to enhance your returns through a complex system that includes tax wrappers such as ISAs and tax relief on pension contributions.

Wealth Management
Maximising, growing, and protecting your wealth, in order to achieve your desired lifestyle, and also to bequest to your beneficiaries, is all part of the expert service at Cheetham Jackson. This can also include provision for long term care in your later years.

Athena Wealth is a small company that offers a bespoke and highly personal service to its valued clientele. They understand the importance of economic security and knowing that what you have is well looked after. They aim to remove the stress and worry of monetary uncertainty with clear, concise, professional guidance that has you and your dreams at its core. The first meeting is at their own expense and focuses on developing a clear understanding of your current situation, as well as your priorities and objectives. They take pride in offering clientele an ongoing service, for their entire lifetime, that focuses on providing security, happiness and financial freedom. At Athena Wealth they work with clientele at all stages of life with varying priorities including:

• • • • Starting out on your economic journey
      • Building and maintaining wealth
      • Considering retirement
      • Already retired
      • Thinking about passing on your assets
      • One off monetary needs

Five Step Process Towards Developing Your Financial Plan
It is important to the advisors at Athena Wealth that you feel confident in their services and that they are the right fit for you and your needs. In order to achieve the highest level of service they implement a five step process for all new clientele.

Step 1 – Your Discovery Meeting
This is your chance to get to know your adviser and give them all the appropriate information for them to make informed and educated decisions. They will guide you through a process of really getting to know your goals so they can ascertain what is important to you. At this point they will also gain an understanding of your appetite for risk and where your priorities lie.

Step 2 – Your Financial Road Map
A review of any existing monetary commitments and plans is put in place as well as an overview of how they plan to achieve your goals and any allowances that they would like to put in place.

Step 3 – Your Unique Plan
Your adviser will now confirm their recommendations and how this will help you achieve your goals as well as complete any due diligence in order to give you a complete picture as to how your plan will take you from where you are now to where you would like to be.

Step 4 – Implementing Your Plan

Step 5 – Managing Your Plan
Keeping you constantly updated on reviews that have taken place in order to ensure the efficiency of the plan in line with the changing markets and your changing circumstances.

Useful links:

• Stepchange.org
• National Debt Help UK
• Citizens Advice – Financial Advice
• Financial Services Compensation Scheme