If you are looking to save more, make sure you are prepared for your retirement, invest wisely, or mitigate some of your tax liabilities, then it may be that you could benefit from the services of an IFA. Use our free tool to Find an Independent Financial Advisor Near Me or read on for the rest of our guide to IFAs in Sunderland.
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Services on Offer by IFAs
- You are getting close to retirement age
- You have got a significant increase in earnings
- You have received an inheritance
- You are going through a divorce
- You sell a business, property, or have another significant event
- You want to consolidate your finances and take better control
- You are preparing to pass on some of your money to loved ones
- You are recently widowed
Top 10 Independent Financial Advisors in Sunderland
|Rank||Advisor||Description||Find An Advisor|
|1||The financial planners at Grainger in Sunderland employ a personalised service in order to deliver the best financial planning advice to their valued clients.||Find An Advisor|
|2||At Advanced IFA located on Sea Road, they aim to pave the way to a more secure financial future for you and your family so you can be free from financial stress and relax in the knowledge that you are covered for all of life’s uncertainties.||Find An Advisor|
|3||With over 20 years of experience helping clients realise their financial dreams, Mark McNally Wealth Management is a proud partner of the prestigious St James’s Place Wealth Management||Find An Advisor|
|4||Argent Wealth, Sunderland offer expert financial advice to both corporate and private clients across a wide range of services in order to ensure secure financial futures for their clients.||Find An Advisor|
|5||Quilter are one of the largest financial advice firms in the UK with specialist advisers local to Sunderland offering solutions to help you achieve your financial aspirations with tired and tested financial planning that is completely bespoke to you.||Find An Advisor|
|6||Wealth of Advice was launched in 2012 by Chris Breward, who had the vision to provide financial advice to people from all financial backgrounds, free from the elitist image of bygone years, accessible to all walks of life, and with the clients best interests at the heart of everything they do.||Find An Advisor|
|7||The main objective for the skilled advisers at Key Wealth Management, Sunderland, is to provide their clients with specialist financial advice, completely tailored to meet their unique financial goals.||Find An Advisor|
|8||When considering Prestige, Sunderland, Tyne and Wear, for your financial planning needs, it is worth noting that they have achieved the Chartered and Fellowship status, qualifications that can guarantee that you are getting financial advice from individuals who are trained beyond the industry standard.||Find An Advisor|
|9||With over 30 years of proven industry experience, the independent financial advisers at Taylor-Hall, Sunderland, support their clients at every stage of their life, whether it be with mortgage advice, life protection, or estate planning.||Find An Advisor|
|10||Perspective have changed the way they offer advice in response to the changes in legislation surrounding financial products such as pensions.||Find An Advisor|
Choosing an IFA
Independent financial advisers have the training and experience to guide us safely through lifes ‘one off’ situations for which we will have limited or no experience. These are times where small errors in judgement can end up costing us dearly down the road and include:
Purchasing a Home
Buying a home is likely to be one of the single biggest transactions of your lifetime and you would be joining around 37% of the population of the UK who currently have property debt. The advantage for anyone looking to take out a mortgage is that competition among mortgage providers and mortgage brokers in Sunderland is high, leaving you with hundreds of options to choose from. However, with varying interest rates, decisions on the length of the loan, working out how much you can afford and how that may affect your future, as well as selecting the right provider for you in Sunderland, this can be a complex area to navigate. An independent financial advisor Sunderland can safely guide you through all these crucial decisions to ensure you don’t end up crippling yourself financially in the long term.
Saving for Retirement
The younger you are when you start saving for your pension, the better. However, it’s not always natural to prioritise long term goals over short term goals, such as buying a home, and retirement plans often suffer as a consequence. It is often the case that people have multiple work pensions in place, often left forgotten about and as a result underperforming, whilst consolidating all these into an appropriate fund can mean the difference of thousands of pounds in the long term. Engaging the services of an independent financial adviser in Sunderland can increase your pension pot significantly and ensure other areas of your economic journey are in line with your retirement aspirations.
Having a Family
A startling statistic recently released, revealed that the average cost of raising a child to the age of 18 is £227,000, a figure that is comparable to the average price of a home in the UK. Much like a mortgage, this kind of expense can certainly benefit from rigorous planning as well as saving for significant milestones. In addition to this, you may want to consider your children’s economic stability should something happen to you, and make provisions for economic protection in line with your financial plan.
With greater flexibility surrounding how you access your pension, it can be wise to enlist the services of an independent financial adviser in Sunderland to avoid costly mistakes and ensure you are making the most of your pension pot.
Here is our round-up of top IFAs in Sunderland
Grainger Financial Planning
St Peter’s Gate, Charles Street, Sunderland Tyne and Wear, SR6 0ANFind and Advisor
The financial planners at Grainger in Sunderland employ a personalised service in order to deliver the best financial planning advice to their valued clients. They take the time to really get to know you, where you are now, and where you aspire to be, and then work alongside you to answer questions such as how much you will need to secure your financial future, and what you would like to do with the rest of your life. They can then assess any current investments you have in place to ensure you are investing in line with your risk profile and make recommendations that are completely tailored to your circumstances.
Protecting your business can help ensure its survival should the worst happen. Financial advisers at Grainger in Sunderland can help ensure you have the correct level of protection across the following areas:
- Key person insurance – if the financial health of your company is at all reliant on one or more key individuals then it is worth considering this cover to protect the business against financial losses in the event of their death, or should they become unable to work for any reason.
interest in the company in the event of their death and avoid that share being passed to beneficiaries who may be uninterested in the business.
- Shareholder Protection – This provides a safety net against the death of a shareholder.
Effectively managing your investments in order to ensure maximum returns, within your timescales and in line with your attitude to risk requires expert knowledge, skill, and time. The financial advisers at Grainger in Sunderland can assist you across the following types of saving and investments:
- Asset-backed investments – including shares, gilts, unit trusts, ISAs, investment trusts, OEICs, and investment bonds all of which offer the distinct advantage of being able to effectively manage your exposure to risk.
- Deposit based investment – including banks and building societies, cash ISAs, and national savings and investments, all of which offer a guarantee on the return of your investment and can provide regular earning potential.
Advanced IFA Limited
63/65 Sea Road, Fulwell Sunderland Tyne & Wear, SR6 9BW
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At Advanced IFA located on Sea Road, they aim to pave the way to a more secure financial future for you and your family so you can be free from financial stress and relax in the knowledge that you are covered for all of life’s uncertainties. Regulated and authorised by the Financial Conduct Authority, the independent financial advisers build a bespoke plan for you, taking the time to listen to your dreams and aspirations and getting to know you, your family and where you want to be financially. They find the best products from across the entire market to ensure you achieve your goals and your assets are protected along the way.
Financial planning, simply put, is a means to an end, in this case, the end being your financial goals. With careful consideration and meticulous planning you can relax in the confidence that all your finances are working towards your aspirations with nothing being left to chance.
Preparing for your retirement can ensure you can maintain your lifestyle even when you don’t have an income to support it. The independent financial advisers at Advanced IFA, Sea Road are confident that they can add value to any existing arrangements you may have in place and can help you nail down the exact sum you will need in order to put a comprehensive plan in place to help you get there. Of course, with changes to your circumstances as well as changes to the markets, it is important to constantly review your pensions in order to ensure they stay on track to meeting your objectives.
Savings and Investments
The skilled independent financial advisers at Advanced IFA in Sunderland can work with you, taking into account your current situation and what you want to achieve, in order to identify if you are a saver or an investor. Saving is less risky than investing, however, the returns are limited and if the rate of inflation is greater than the interest earned on your savings product, then you could end up losing money over time. Conversely, investing your money could earn you a greater return and get you where you need to be quicker. However, there are risks associated with any investment and you need a fair bit of market knowledge in order to be a successful investor.
Mark McNally Wealth Management Ltd
3 Pickersgill Court, Quay West Business Village, Sunderland Tyne & Wear, SR5 2AQ
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With over 20 years of experience helping clients realise their financial dreams, Mark McNally Wealth Management is a proud partner of the prestigious St James’s Place Wealth Management. Mark uses his years of experience, expertise, and the guarantee of St, James’s Place to provide clients in Sunderland with the best independent financial advice in order to grow and protect their wealth.
Getting your investments right can make all the difference towards helping you achieve your financial goals. Conversely, getting them wrong can end up costing you a significant amount of money. The expert independent financial advice at Mark McNally, backed up by the wide range of global asset types available at St James’s Place, allows you to spread your investments across different investment styles in order to reduce your risk. You can expect quality independent financial advice, and regular reviews from Mark McNally, to ensure your investments continue to perform well.
Protecting Your Finances
Regardless of the size of your estate, inheritance tax is a consideration for most people and mitigating your liability can help protect your beneficiaries when it comes time to inherit your estate.
Another valid consideration is how your family will survive without your income should you be unable to work due to illness or death. Protecting your income against unexpected events in life can help keep your financial plan on track, or provide for your family at a stressful time. Mark McNally has all the specialist knowledge in this area to ensure you get just the right level of cover from the best possible provider to generate a solid foundation for your financial plan.
Planning Your Retirement
Pensions are a highly efficient way of planning for your retirement, however, with changes to legislation, as well as the constant fluctuations in the marketplace, this can be a complex area to successfully navigate without professional help. Mark McNally can assist you in ensuring your retirement plans are in line with your overall financial plan and help you find the best products across the following range:
- Self-invested Pension Plans (SIPPs)
- Trustee schemes
- Retirement plans
- Drawdown plans
Evolve Building, Cygnet Way, Rainton Bridge Business Park, Houghton le Spring, Tyne and Wear, DH4 5QYFind an Advisor
Argent Wealth, Sunderland offer expert financial advice to both corporate and private clients across a wide range of services in order to ensure secure financial futures for their clients. Regardless of your current financial planning, or lack of, the independent financial advisers at Argent, Sunderland can help you identify and achieve your financial objectives with clear, concise planning that is free from jargon and easy to understand. An initial consultation is completely free and comes without any further obligation.
Regulated and authorised by the Financial Conduct Authority the specialist investment team at Argent Sunderland, are completely independent and unbiased towards any one provider. The team works closely with you, the client, in order to identify what you need from your investments and how long you have to get there. They take the time to carefully assess your risk profile in order to put together a strategic investment portfolio that carefully balances dynamic investment opportunities with your appetite for risk. Once this is in place the team will constantly review and adjust your portfolio, in line with your requirements and changes to the market, in order to ensure continued maximum returns.
Protecting your assets, your wealth, and your family is crucial if you are to have the peace of mind that one of life’s unexpected events won’t throw you completely off the path to financial freedom. Your biggest asset is likely to be your ability to earn a salary, and with approximately one third of the population likely to be unable to work for two months due to accident or injury, it really is worth considering income protection for you and your family.
The team of specialist experts at Argent, Sunderland offer a wide range of solutions for the protection of your wealth, and work in line with your financial plan to identify the best product for your unique circumstances. They can help establish wills, trusts, and inheritance tax protection to keep you and your money safe as well as offering life insurance to protect your family in the event of your death.
Planning for your retirement has never been more important as we start to live longer, it’s crucial to be sure that you don’t outlive your savings. Specialist advice can help you establish how much you will need, by when, as well as making sure you are completely tax efficient and making the most of any benefits available to you in order to maximise your pension pot.
Quilter Financial Advisers
Hebburn, Tyne and Wear, NE31 2LQFind an Advisor
Quilter are one of the largest financial advice firms in the UK with specialist advisers local to Sunderland offering solutions to help you achieve your financial aspirations with tired and tested financial planning that is completely bespoke to you. They offer a full financial service, all the way through your lifetime, from the very first penny saved, through to your retirement.
The Four Stage Process
In order to achieve the best possible outcomes from your financial journey, the advisers at Quilter employ a four stage process that includes the following:
The first stage is all about getting to know you, your current circumstances, and your dreams and aspirations. Your advisor in Sunderland will gather as much information as possible in order to build a clear picture of what you hope to achieve as well as your attitude to risk and any plans you already have in place. This meeting is usually free of charge and carries no obligation to continue with Quilters financial service.
At this stage your advisor will make recommendations to you as to how you can get the most out of your existing financial provisions in order to have the best chance of achieving your financial aspirations.
Your advisor can now utilise their knowledge and expertise to put your plan into action, ensuring that it is operating in exactly the way you need it to be. The charges for this will be explained to you in a clear and concise manner, ensuring there are no nasty surprises down the track.
The skilled advisers at Quilter, Sunderland don’t leave anything to chance and that includes your financial success. They will continually review and refine your plan, in keeping with your changing circumstances and changes to the market, to ensure that it continues to perform towards helping you achieve your financial goals.
There are many ways that you can benefit from the financial advice provided at Quilter, Sunderland. Your advisor will take the time to really understand you, building a long lasting relationship that will see you through to realising your financial goals. They understand that many people are hindered from seeking professional advice due to the prohibitive costs associated. At Quilter they can explain how the advice you receive will pay dividends by helping you achieve your financial goals.
Wealth of Advice
Swale House, Unit 3 Mandale Park, Belmont Estate, Durham, DH1 1THFind an Advisor
Wealth of Advice was launched in 2012 by Chris Breward, who had the vision to provide financial advice to people from all financial backgrounds, free from the elitist image of bygone years, accessible to all walks of life, and with the clients best interests at the heart of everything they do. Their outstanding service and attention to customer care has earned them a loyal customer base of individuals in Sunderland looking to invest, protect and plan for the future.
The advisers at Wealth of Advice can help you identify and plan for your ideal retirement. Regardless of your requirements, they can help ensure you are as efficient as possible with completely bespoke solutions and products from across the entire marketplace. Whether you are looking to retire early or simply want to get your money working as hard as possible towards achieving your goals, they can guide you through the process with the knowledge and expertise to add value to your existing arrangements.
The advisers at Wealth of Advice work with you and your current circumstances, in order to achieve one common goal, to add significant financial value to your current arrangements. They use their expert knowledge and experience to identify the best investment opportunities, in line with your unique risk profile, regardless of whether you are just starting out in investing, or looking to improve an existing portfolio. The investment team will also continually carry out checks and reviews on any investments you place, to monitor the performance and ensure your investments are on track towards realising your financial ambitions.
Failure to appropriately plan for handing down your estate to your beneficiaries could mean that most of your hard earned money could end up in the hands of the taxman. Mitigating your liability to inheritance tax is an important part of handing over your estate to your loved ones, and with careful planning and utilising gifts and various forms of investment, you can be sure your beneficiaries will be receiving the bulk of your estate.
Key Wealth Management
3-5 Grange Terrace, Stockton Road, Sunderland Tyne and Wear, SR2 7DG
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The main objective for the skilled advisers at Key Wealth Management, Sunderland, is to provide their clients with specialist financial advice, completely tailored to meet their unique financial goals. They take the time to get to know you, your current situation, your goals, desires and needs, in order to provide you with the best possible advice to help you get to where you want to be in the time you have to get there. Key Wealth Management, Sunderland, employs friendly, accessible staff who build long term relationships with clients, in order to implement and assess their unique financial plans.
Protecting your wealth against life’s unexpected circumstances can help ensure you remain on track to financial freedom come what may. No one wants to spend time thinking about what will happen when they die, however, having adequate life insurance in place can help ensure your family will be looked after financially at an emotionally difficult time. You may also want to consider what will happen should you be unable to work due to an accident or illness. This circumstance befalls a substantial percentage of the population and having adequate protection for your income can help avoid serious financial setbacks.
Buying a home is likely to be the single biggest transaction of your lifetime and securing the best possible mortgage product from the onset can help avoid costly mistakes down the line. There are literally hundreds of providers and mortgage brokers all competing for your business, and sorting through the best ones can be daunting and time consuming, taking into account interest rates, associated fees, and other enhancements. The skilled advisers at Key Wealth Management, Sunderland can take the ambiguity out of which product is the best to meet your unique needs.
Savings and Investments
The advisers at Key Wealth Management, Sunderland, Tyne and Wear, can guide you seamlessly through the various saving and investment products available, so you can secure the best product to meet your needs. They utilise their skills and experience to identify the best investment opportunities for you, in line with your risk profile, so you can sit back in the knowledge that your money is working hard towards securing your financial future.
Prestige Financial Planners
4 Whitebark, Burdon Vale, Sunderland, Tyne and Wear, SR3 2NX
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When considering Prestige, Sunderland, Tyne and Wear, for your financial planning needs, it is worth noting that they have achieved the Chartered and Fellowship status, qualifications that can guarantee that you are getting financial advice from individuals who are trained beyond the industry standard. Their financial planners are also completely independent, ensuring the recommendations you receive on products and services are completely unbiased and wholly in your best interests.
The highly qualified team at Prestige, Sunderland work towards building long lasting relationships which provide you with the confidence that you are receiving the best possible advice for your situation. Your advisor will always be completely loyal to you and continue to work hard towards delivering solutions that have your best interests at their core.
Understanding your goals and what you hope to achieve from your investments is the key to providing you with the best possible investment solutions to meet your needs. The advisers at Prestige will take the time to understand your attitude to risk so they can put a completely bespoke investment plan in place, tailored just to you, and reviewed regularly, to ensure your returns remain on track.
An effective retirement plan should start with identifying what sort of lifestyle you would like to achieve in your retirement, in order to ascertain how much you need to save, and how long you have to save it. The advisers will do a comprehensive review of any provisions you currently have in place, to identify if they are effectively working towards your end goal, and make recommendations to improve the performance of any existing pensions, as well as provide you with an ongoing service to continually review the performance of your pensions.
Inheritance Tax Planning
We all want our loved ones to receive as much of our estate as possible, which is why it’s worth utilising the expert knowledge at Prestige in order to successfully navigate the complex inheritance tax structure and mitigate your liability.
Having adequate protection in place can be invaluable in times of emotional stress and is one of the best ways of ensuring your family will be cared for if the worst happens to you. Mortgage protection, income protection, critical illness protection and family protection are just some of the areas that the planners can guide you through to ensure you can take care of your family regardless of any unexpected events in your future.
Taylor-Hall Financial Services and Mortgage Broking
Unit 9, The Waterside, Seaham Harbour Marina, Seaham, County Durham, Tyne and Wear, SR7 7EE
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With over 30 years of proven industry experience, the independent financial advisers at Taylor-Hall, Sunderland, support their clients at every stage of their life, whether it be with mortgage advice, life protection, or estate planning. They offer a completely bespoke service, taking the time to really get to know you, your current situation, your aspirations and requirements in order to put together a tailor made plan to get you to where you want to be. Taylor-Hall, Sunderland, Tyne and Wear provides jargon free consultations, at a place that suits you, in order to take the challenge out of your financial plans.
Taylor-Hall, Sunderland offer their clients highly specialised mortgage advice that you won’t find from a regular mortgage brokers, across a number of areas including:
Home movers – Taylor-Hall, Sunderland are experts at securing the best possible first time home movers mortgage for their clients as well as making the whole process of moving home as stress free as possible.
First time buyers – The mortgage advisers at Taylor-Hall, Sunderland, can assist you as a first time buyer, secure the best possible mortgage for your unique circumstances, as well as providing guidance on how much you can borrow, legalities and contracts, locating the perfect property, making an offer and finalising your mortgage.
Remortgaging – remortgaging your home can be an excellent money saving tool. A lower interest rate from another provider could end up saving you thousands and with access to thousands of mortgage products from across the market, Taylor-Hall, Sunderland can help you identify the best possible mortgage for your needs.
Buy-to-let – the right mortgage can have a positive effect on the revenue you receive from a buy-to-let property. Taylor-Hall, Sunderland are able to access products from across the entire market in order to secure the best mortgage for your needs.
Equity release – if you are over the age of 55 and looking to release a cash sum from the equity in your home, Taylor-Hall, Sunderland, Tyne and Wear can put an effective equity release plan in place so you can make the most from your retirement.
Secured loans – your assets can provide access to a secured loan, should you be looking to borrow a sum of money.
Perspective Managing Wealth
21-23 Brenkley Way, Blezard Business Park, Newcastle Upon Tyne, NE13 6DS
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Perspective have changed the way they offer advice in response to the changes in legislation surrounding financial products such as pensions. They feel that the current complexities surrounding such areas of advice warranted specialist advisers who would be able to offer more in depth knowledge and advice to their clients in order to deliver the best possible outcomes.
Today, Perspective are one of the largest Chartered financial advisers in the North East, servicing clients from across the country with an exceptional level of financial management.
Understanding your reasons for investing is key to building a successful portfolio that can help you achieve your objectives. Whether it be for income or growth, your adviser will take into account your timescales, as well as your risk profile, in order to draw up a completely bespoke investment strategy to help you reach your goals. Utilising the most tax efficient wrappers as well as identifying a suitable asset allocation are all part of the bespoke service you can expect from Perspective.
The independent financial advisers at Perspective use their expert knowledge to identify the best possible mortgage product for your unique circumstances, potentially saving you thousands over the term of your mortgage. They take into account factors such as fixed rate versus variable rates, interest rates, tie-in periods and redemption penalties as well as providing advice on various protection and insurances.
Different stages of building sufficient assets to see you through your retirement, require different levels of risk. As you grow closer to the age that you wish to retire, it makes sense to reduce the risk of your portfolio. The advisers at Perspective work with you to ascertain the exact amount you will need to comfortably retire and help build a plan to ensure you get there. As well as this, they offer specialist advice on the most suitable options for drawing down your pension, providing you with the best income security for the duration of your retirement.
Need help finding an Independent Financial Advisor?
Most common questions Peter and the team get from investors in Sunderland
I see adverts for Financial Advisors Sunderland and Financial Planners in Sunderland, what is the difference?
Whilst there is most definitely an overlap between the roles of a financial planner and a financial adviser, they do have important differences that you should familiarise yourself with before you engage their services. Both financial planners and financial advisors will assess your current financial situation in order to put together recommendations to improve that situation.
A financial adviser has the primary ambition of helping you to manage your money including:
Financial planners however are one type of adviser who specialises in creating a plan to help companies and individuals achieve their long term financial goals and can include entities such as:
Education funding planning
It is important to note that whilst a financial adviser will possess qualifications and credentials to help them achieve their purpose, just about anyone can call themselves a financial planner without possession of any qualifications.
If I choose a local IFA in Sunderland what is it they will do?
Some of the typical tasks undertaken by a financial adviser can include the following:
Recommend investments, select investments, and research investment opportunities.
Provide clients with tax advice.
Assist clients with insurance decisions and select the best products available.
Help clients prepare for specific circumstances such as education expenses or retirement.
Monitor client accounts and make appropriate changes to improve account performance.
How much should you pay a Sunderland financial adviser?
An hourly rate, which in the UK will average at around £150 an hour although you can expect to be charged anywhere from between £75 to £350.
A set fee. This can be the case should you wish to engage the skills of a financial adviser for a specific job.
A monthly fee is often agreed for ongoing financial advice such as managing investment portfolios. This can be done in one of two ways, either via a percentage of the amount of money you are investing with them or alternatively as a flat fee.
There are many elements that will affect the fees that you are charged for financial advice, including the level of qualifications that the adviser is in possession of, the location of the adviser, the complexity of your situation, and how the service is delivered.
Many financial advisors will offer a free consultation in order to discuss their expertise and the fees. This is a great way to establish whether they are the right service for your needs.
What is the difference between independent financial advisors in Sunderland and a financial adviser in Sunderland?
Conversely, independent financial advisers in Sunderland have access to the entire market and can therefore match the best product for your situation. An independent adviser in Sunderland has extensive knowledge of all monetary areas including investments, savings, insurance, pensions, tax and family estate management and should be authorised and regulated by the Financial Conduct Authority in order to ensure ethical practice and advice in line with your best interests.
How do I choose an independent financial adviser in Sunderland?
Firstly, you should ascertain what your needs are so you don’t get drawn into paying for a full service that you don’t actually need. The most common areas of financial planning are usually advice for paying off debts, building savings, mortgage advice, pension schemes and employer protection benefits.
If you are facing a big decision that requires a fair bit of cash, then you could certainly benefit from the advice of a professional. Decide if you need one-off advice or if you would benefit from an ongoing service.
It is also prudent to determine if you would like face to face advice, in which case you will need to employ the support of a company with offices local to you in Sunderland. Face to face advice can help build a trusting relationship with your adviser should you require ongoing support.
Whilst an independent adviser in Sunderland may initially incur a greater cost for their expertise, they can offer you any products from across the market rather than being limited to expensive or poor performing products that benefit the adviser financially. Bear this in mind when you are deciding whether to employ an IFA or a restricted adviser.
The last thing to take into consideration are the fees charged. You may need to meet with a few advisors in Sunderland to discuss their payment structure and find an arrangement that suits you and your individual needs.
How do I find a good IFA in Sunderland?
Alternatively, you can find details of trusted IFA’s in Sunderland using our reviews, alternatively you can speak directly to Peter and the team here who will help you forfree