You might be surprised by what an independent financial adviser in Leeds can tell you about your future. Not in a crystal ball kind of way, but they can look at where you are now in order to accurately predict what your finances will be like down the path. This is more than simply knowing how much you have in your bank account, it takes into account the following:
- Liquid capital
- Financial obligations
Top 10 Independent Financial Advisors in Leeds
|Rank||Advisor||Description||Find An Advisor|
|1||G&E Wealth Management provide face to face independent financial advice with a dedicated independent financial adviser, either in the comfort of your own home in Leeds, or alternatively in one of their offices across Yorkshire.||Find An Advisor|
|2||Olive Tree Wealth Management offer experienced financial services and financial planning to clients in Wakefield and Leeds and as a representative of Quilter Financial Services, it is also authorised and regulated by the Financial Conduct Authority.||Find An Advisor|
|3||AFH Wealth Management offer a completely holistic advice to clients and with over £6 billion of client assets under their management, they are able to use the scale of their operation to drive down the costs, making independent financial advice accessible for a wider group of individuals.||Find An Advisor|
|4||At Seventy, they believe that robust independent financial planning has the potential to improve your quality of life, and that is exactly what they set out to achieve.||Find An Advisor|
|5||Agile offer completely independent financial planning advice, meaning that they can access financial products and financial services from across the entire market in order to get the best possible outcomes for you.||Find An Advisor|
|6||The advisers at Kippax utilise their years of experience and knowledge to provide you with practical solutions to get you to where you would like to be in life.||Find An Advisor|
|7||Reward Financial Services offer holistic, independent financial planning services to individuals and families in Leeds. They keep their client base small enough to enable a completely personal service, taking the time to get to know each client as an individual in order to best understand their unique needs.||Find An Advisor|
|8||The independent financial advisers at VSL are able to deliver quality financial planning advice to business owners, companies and individuals in Leeds, in part due to the compliance, technical, paraplanning, sales and finance teams that they have supporting them.||Find An Advisor|
|9||Copeland Wealth have been offering friendly, professional financial advice to clients in Leeds for over 20 years.||Find An Advisor|
|10||Lazenby’s offers completely independent financial advice to clients in and around Leeds. They are a firm with strong family values who use a proven formula that guarantees a completely bespoke service that is always in your best interest.||Find An Advisor|
Do You Need an Adviser?
You don’t have to be particularly wealthy to warrant the services of an independent financial adviser, but it is advisable that if you do go down this road, you find an adviser that suits your needs. Some firms will only deal with high net worth individuals, whilst others are more interested in corporate clients or clients with a smaller capital.
But how do you know if it’s time to take the plunge? Few of us have the time or knowledge to adequately handle our own finances and if you fall into any of these categories then it might be time to look into hiring a professional to get the job done properly:
Your Savings Have Not Been Invested
Of course it depends of how much savings you have, and whether that money is earmarked for something short term or has been put to one side to provide for your future, however, generally speaking inflation will outweigh any interest you are likely to make on your savings and therefore its sensible to have this money soundly invested with the advice of a financial adviser.
You Are Not Experiencing Favourable Returns On Your Investments
This is a red flag, and definitely a sign that you need the advice of a professional. Investing should help grow your wealth and if you are consistently losing money then you could definitely benefit from investment advice.
You Haven’t Made Arrangements to Pass You Estate To Your Beneficiaries
Handing down your estate to your beneficiaries should be done in a tax efficient manner if you are to avoid the majority of your estate ending up in the taxman’s pocket. The shrewd advice of an independent financial adviser is invaluable in this area and most people can benefit from estate planning.
Here is our round-up of top IFAs in Leeds
Seventy Financial Planning
The Apple Store, Haggs Farm, Haggs Road, Follifoot, Harrowgate, West Yorkshire, HG3 1EQ, UK
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At Seventy, they believe that robust independent financial planning has the potential to improve your quality of life, and that is exactly what they set out to achieve. They always act in your best interest and encourage their clients to make the best use of the precious time they have and aim to empower you to make the big decisions today that will change your tomorrows for the better. They understand that you have goals and aspirations that are unique to you as well as fears and concerns to overcome. They are completely committed to providing honest and transparent independent financial planning advice that seeks to realise your dreams. Seventy also offer you the security of knowing that they are authorised and regulated by the Financial Conduct Authority and offer their services to clients based in Leeds.
How They Give Financial Advice
The independent financial advisors at Seventy always start advising on your financial journey by getting to know you via a fact finding exercise. During this time they aim to learn all about your current circumstances, including existing assets, investments, savings and financial goals and aspirations. They then ascertain what your appetite for risk is as well as any ethical views that they feel should be taken into consideration. They check your health, in order to identify if there is a likelihood of any long term health care needs in your future, and take all this information, as well as more, to draw up a financial plan that is completely unique to you and your circumstances. They will take your dreams into account and can help you identify whether they are achievable and in what timeframe.
Investment Advice Service
Effectively managing an investment portfolio is a meticulous blend of experience, knowledge, research and science. Errors made in investing can end up costing you thousands and this area is really where the skills of a professional can become invaluable in growing your wealth in line with your financial objectives. The independent advice at Seventy will take into account your appetite for risk and match this with identified investment opportunities which can best maximise your returns whilst carefully balancing the safety of your funds.
Retirement and Pension Advice Service
Most people will enjoy their retirement for as long as they have spent saving for it. This makes planning for your retirement and having adequate funds to comfortably see you through it imperative and the sooner you get started on this part of your financial planning, the better. The legislation surrounding pensions is a complex and constantly changing landscape and failure to understand this legislation or the many benefits that can be taken advantage of with pensions, can end up costing you down the line.
G&E Wealth Management Limited
Triune Court, Monks Cross Drive, West Yorkshire, YO32 9GZ, UKFind an Advisor
G&E Wealth Management provide face to face independent financial advice with a dedicated independent financial adviser, either in the comfort of your own home in Leeds, or alternatively in one of their offices across Yorkshire. One of the unique offerings from G&E is that they give you the option of selecting to work with either a Chartered qualified adviser, or alternatively, a Diploma qualified independent financial adviser, however, regardless of your choice, you can be guaranteed that the financial advice you receive will be fully independent and therefore any recommendations made on financial products and financial services will always be in your best interest and with your individual financial planning in mind.
Engaging the independent financial advice of an adviser at G&E Wealth also affords you access to market leading financial planning tools, so you can accurately plan your financial future with the help of your adviser. G&E Wealth are also authorised and regulated by the Financial Conduct Authority giving you complete peace of mind.
Retirement Planning Services
Planning for your retirement is a complex process and often underestimated. Not only do you need to take into account time frames, but with the increasing life expectancy of the population, it’s important to nail down exactly how much you will need to save in order to enjoy the retirement you aspire to and ensure that you don’t outlive your pension. There are thousands of different pension plans available and equally many different options as to how you invest your pension making getting professional pension advice crucial.
The independent financial advisers at G&E work with you to ascertain what your retirement objectives are so they can effectively put the best strategy in place to help you achieve those objectives. They can review any current pension provisions you have in place in order to present detailed advice on how your existing arrangements can be improved.
Investment Planning Services
G&E Wealth manage over £250 million of investments on behalf of their clients. They have a department that is dedicated to the management and review of all their clients investments with independent investment experts working hard to ensure your investment funds are growing your overall wealth and working in line with your financial plan. The investment advice you receive at G&E Wealth is second to none.
Olive Tree Wealth Management Ltd
4 West Parade, Wakefield, West Yorkshire WF1 1LT, UKFind an Advisor
Olive Tree Wealth Management offer experienced financial services and financial planning to clients in Wakefield and Leeds and as a representative of Quilter Financial Services, it is also authorised and regulated by the Financial Conduct Authority.
At Olive Tree they aim to provide their clients with a common sense approach to achieving financial freedom and can help simplify some of the complexities surrounding the financial services market with robust financial advice.
The advisers at Olive Tree understand that they can be no ‘one size fits all’ approach to successful investing. They aim to ensure that you are totally aware of the risks involved and therefore adopt a completely transparent approach to managing your investments, taking the time to fully understand your attitude to risk in order to employ carefully considered investment advice that is unique to you. There are a number of different investment and saving vehicles available for which they offer expert financial advice including:
- Asset backed investments advice
- Deposit based investment advice
- Individual savings accounts (ISAs) advice
The financial pension advice you receive at Olive Tree can help ensure you are prepared for your retirement and any long term care you may need. Your pension is designed to replace your income when the time comes to retire, but there are many factors to consider and even clients with provisions already in place can benefit from financial advice in order to ensure your pension is adequately performing towards your retirement goals.
With the recent changes to legislation there are many more options to consider when planning for your retirement. Pension advice also needs to take into consideration the increasing life expectancy across the country as well as inflation in order to ensure you don’t outlive your pension. Olive Tree are able to provide comprehensive financial advice across the following areas:
- Automatic Enrolment for Employees Advice
- Automatic Enrolment for Employers Advice
- Personal Pensions Advice
- Income Drawdown Advice
- Retirement Planning Advice
- Retirement Options and Pensions Freedom Advice
Given that the cost of insurance has fallen in recent years, whilst the level of cover has improved, even clients with existing provisions in place can benefit from protection advice to ensure their products are still offering them the best value when it comes to protection.
AFH Wealth Management
6 Feast Field, Horsforth, Leeds, West Yorkshire, LS18 4TJ, UKFind an Advisor
AFH Wealth Management offer a completely holistic advice to clients and with over £6 billion of client assets under their management, they are able to use the scale of their operation to drive down the costs, making independent financial advice accessible for a wider group of individuals. The expert independent financial advisers at AFH are completely supported by a team of researchers, who are constantly analysing and reviewing the market in order to identify the best financial products and financial services to suit your individual needs.
An initial consultation with AFH comes completely free of charge and carries no obligation on your part. This will give you an opportunity to assess your adviser, and ascertain whether you will be a good fit moving forward. Your adviser can also take this time to explain to you where they can add value to your existing arrangement.
What really sets AFH apart from the competition is their decision to scrap platform fees. Platform fees can erode your investment earnings over time so this step will have a positive outcome on your bottom line should you decide to invest with AFH. AFH are also authorised and regulated by the Financial Conduct Authority providing you with complete peace of mind.
Retirement Planning Service
There are a number of ways in which the help of the pension advice at AFH can improve your pension. Firstly they have the skills necessary to help you identify the exact amount you will need to see you comfortably through your retirement, free from financial worries. They can also provide advice on how you can successfully navigate the complex pension tax system to ensure you are maximising on any tax reliefs available to you and ensure you are making use of savings and other investments to grow your pension pot.
The pension advisors at AFH can also provide advice for clients with existing arrangements by consolidating all your pensions and ensuring that it is working in a sufficient manner towards meeting your retirement objectives. If you are coming up to retirement age then you may also want advice on your retirement income options including whether you wish to take your pension in one lump sum.
Inheritance Tax Service
Inheritance tax is a complex area of financial planning, and failure to address this could result in a large proportion of your estate being passed on to the taxman instead of your beneficiaries. There are ways to legitimately mitigate your exposure to inheritance tax and the skilled advisers at AFH can provide you with advice on your tax planning to ensure you are fully efficient and your estate planning is water tight.
Copeland Wealth Management
49 The Spinney, Leeds, LS17 6SP, UKFind an Advisor
Copeland Wealth have been offering friendly, professional financial advice to clients in Leeds for over 20 years. They are authorised and regulated by the Financial Conduct Authority providing you with peace of mind in the integrity of their financial planning services. At Copeland they take the time to understand all about you so they can be in the best possible position to meet your needs. Their sole aim is to put you firmly on the path to financial success so you can enjoy your life free from financial stress.
The financial advisers at Copeland can find the best possible protection products to meet your individual needs. This is more than simply finding the best price, this is about ensuring that your financial future and that of your families is completely protected should the worst happen. With policies such as life insurance, whilst unpleasant to think about, the earlier you take out your cover, the less expensive it will be, and therefore you should think about this level of cover as soon as possible. With the cost of premiums falling considerable in recent years, whilst the level of cover has in many cases gone up, there has never been a better time to protect you and your family from the unforeseen.
Savings can actually erode over time as interest rates remain low, whilst inflation continues to rise. Investing on the other hand, gives you the opportunity to grow your wealth, and regardless of whether you are looking to generate an income now, or are simply hoping to grow your money for your future, a sound investment strategy is often one of the cornerstones of a successful financial plan. You don’t always have to have a large sum of money to invest, however, it is good to have sound financial knowledge of the marketplace, and investment advice.
These days most people tend to have more than one pension in place, largely due to the fact that we tend to move companies more today than in the past and each company will provide a new company pension scheme. The financial advisers at Copeland can help review and consolidate your current provisions, to ensure they are performing optimally.
Agile Financial Advice Ltd
Airedale House, 423 Kirkstall Road, Leeds, West Yorkshire, LS4 2EW, UK
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Agile offer completely independent financial planning advice, meaning that they can access financial products and financial services from across the entire market in order to get the best possible outcomes for you. The case studies and testimonials on their web pages are a true reflection of the value add that independent financial advice from Agile can have on your current circumstances.
Chris Thorpe has completed several qualifications in order to be best placed to provide clients with the best, most current independent financial advice available. Not only is he a Chartered Financial Planner, but he also holds a Master’s degree in Financial Planning and Business Management.
Chris is able to offer new clients a free, no obligation, initial consultation where he will take the time to explain the areas where he can add value to your existing finances and help provide you with the peace of mind that you are well funded for the future you aspire to.
Chris works across the whole of the market to provide clients with a perfect blend of investment opportunities from which to grow your wealth. He works with Pensions, ISA’s, Unit Trusts, Investment Bonds, Enterprise Investment Schemes, and Venture Capital Trusts to build a portfolio for clients, that is in line with your appetite for risk, with the express purpose of providing you with the best possible outcomes. He also utilises technology in order to give clients 24/7 access to your portfolio via the client portal. This affords you the opportunity to stay abreast of your investments at any time.
Agile are specialists when it comes to retirement planning and therefore you could not be in better hands. However, the retirement landscape is complex and a full review of your existing arrangements will identify if you are still on track and taking advantage of the changes in legislation. Agile can help ensure that you have sufficient funds for your perfect retirement, whatever that may look like for you.
With their independent status, Agile are able to find the best possible protection products and advice for you, at the best possible price for your budget. This can help ensure that your financial plans remain on track and that your family are provided for in the event of your death.
Kippax Financial Services
18 High Street, Kippax, Leeds West Yorkshire, LS25 7AB, UK
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The advisers at Kippax utilise their years of experience and knowledge to provide you with practical solutions to get you to where you would like to be in life. They understand that your finances are completely unique, as well as your dreams and aspirations, and therefore they employ a completely unique approach to providing you with financial planning advice, and a bespoke financial plan.
As buying a property is one of the biggest financial decisions of your lifetime, it stands to reason that this is the optimum time to engage the financial services of a professional. Mistakes made on your mortgage product can end up costing you thousands down the track, and with literally thousands of products to choose from, all competing for your business, it’s vital you find the right product for your unique circumstance from the outset. Agile can help you whether you are remortgaging your property, buying a second home, or releasing equity to help with your retirement with their professional mortgage advice
Pensions and Investments Planning
Because of recent changes to legislation, the complexities surrounding pensions is now a tricky landscape to navigate, and therefore seeking financial advice is important for everyone. Your pension should be invested wisely, in line with tax benefits and your attitude to risk whilst performing optimally to help meet your objectives. The advisers at Kippax can help you ensure you are on track to providing for your ideal retirement.
There are many advantages to the wealth management offered at Kippax, including their Wealth Management Platform, which allows you to access your investments from anywhere 27/7. This gives you the opportunity to keep track of your portfolio and provides peace of mind that your investments are being strategically managed in order to optimise your returns. This also acts to reduce the paperwork needed, hence reducing costs, a saving which is passed down to you, the client.
Inheritance Tax Planning
Most people now find themselves having to consider inheritance tax, not least because of the growth in value on properties, making up a considerable portion of many estates, and still being liable for inheritance tax of 40%. Fortunately there are steps that can be taken to mitigate your exposure to inheritance tax with careful tax planning and estate planning including making a will, specialised trusts, gifting money and lifetime allowances, equity release and whole of life policies. Agile offer valuable advice to clients to help put some robust tax planning strategies in place.
Reward Financial Services Ltd
115 Leeds Road, Bramhope, Leeds, LS16 9BL, UK
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Reward Financial Services offer holistic, independent financial planning services to individuals and families in Leeds. They keep their client base small enough to enable a completely personal service, taking the time to get to know each client as an individual in order to best understand their unique needs. The independent financial advisers at Reward strive to provide for your future, delivering on their promises and always putting your interests before their own with their professional advice.
Pensions and Retirement Planning
We all want to know that we can live out our lives with financial freedom and this can only be achieved through robust pension planning. Pensions now offer greater freedoms than ever before and you need to consider much more than simply the best annuity rate when selecting the right pension product for you. The independent financial advisers at Reward can consider all your existing pensions in order to identify opportunities for maximising your pension capital. Your independent adviser will also help you negotiate the complex retirement income options in order to identify the best option to meet your objectives in a tax efficient way.
The independent advisors at Reward work to invest your capital in a way that it is working towards your financial objectives. It is their robust investment process that drives a lot of their clients to engage their independent financial services. The independent financial advisers at Reward understand the importance of establishing your risk profile in order to avoid any nasty surprises and will constantly review your portfolio to ensure that it remains on track and aligned to your changing circumstances and changes to the market.
Tax and Estate Planning
It is a fact that most people who are not receiving any kind of independent financial advice, will be paying more tax than they need to. Mitigating your tax liability is an important part of growing and protecting your wealth providing for your future, and the future of your family. Inheritance tax planning is one such area, where without careful planning and consideration, a large proportion of your estate will end up in the hands of the taxman. The independent financial advisers at Reward will work alongside your solicitor and accountant to ensure you have a comprehensive approach to ensuring you are as tax efficient as possible throughout your lifetime.
VSL Wealth Management
6 Lambert Drive, Leeds, LS8 1NL, UK
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The independent financial advisers at VSL are able to deliver quality financial planning advice to business owners, companies and individuals in Leeds, in part due to the compliance, technical, paraplanning, sales and finance teams that they have supporting them.
The independent financial advice you would receive at VSL is fully independent, meaning you can be guaranteed that the financial products and financial services recommended are always in your best interest and without any kind of bias. With such a strong support network, your adviser can really take the time to understand your unique needs so he can make recommendations for the best possible outcome for you.
Personal Financial Planning
The independent financial advice on offer ast VSL covers a number of key areas including:
- Life and General Insurance Advice
- Savings and Investment Advice
- Mortgage Advice
- Retirement Planning
- Wills, Trusts and & Mitigation Advice
- Care Fees Planning
Unlike some other firms who will only target high net worth clients, VSL offer their independent financial services to all walks of life in Leeds. They take the time to get to know their clients as individuals so they can put together a plan that suits your unique needs. This all starts with an initial consultation, either in your home, place of work or at the VSL offices. This is a great opportunity to identify how VSL can improve on your current situation and understand the costs involved for their service. This gives you the information needed to ascertain whether these costs will ultimately be worth it for the value they will bring to your circumstances and long term plan.
The next stage will be for your independent adviser to learn as much about you as possible. Your current financial situation and your dreams and aspirations as well as your appetite for risk. This information is then used to identify the best possible solutions at the best possible price to meet your needs and help you get to where you want to be. All this is presented to you in an easy to understand format so you can have confidence that your finances are working hard towards providing for your future.
Lazenby’s Financial Services
First Floor, Office Suite, Butonia House, Clayton Wood Close, Leeds, West Yorkshire, LS16 6QE
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Lazenby’s offers completely independent financial advice to clients in and around Leeds. They are a firm with strong family values who use a proven formula that guarantees a completely bespoke service that is always in your best interest. Lazenby’s offer clients superior technical knowledge of the whole market, including offshore investments, specialist trusts, stocks and shares ISA’s, onshore bonds, drawdown schemes SSAS, SIPPS and much more. You can pick up the phone and speak to an adviser free of charge to ascertain whether they are the right choice for your circumstances. They will assess all your existing provisions, before making recommendations on where they can add value.
Estate Planning and Investments Planning
With Lazenby’s you really do get access to the whole of the market, both domestic and offshore, giving you the opportunity to grow your wealth with an excellent level of investment advice. All investments made on your behalf will be completely tailored to you, your current circumstances, your objectives and your attitude to risk in order to ensure that your portfolio is as unique as you are.
It goes without saying that the sooner you start planning for your retirement, the better. That being said, most of the country’s workforce don’t start making proper provisions until mid life, and if you are one of those, don’t despair, as with some proper independent financial advice, you can still build a pension fund to give you the retirement you aspire to.
The independent financial advisors at Lazenby’s can help ensure that you have adequate protection in place, for you and your family, a price that suits you. They can access the whole of the market to source the best possible product for you, all done on a completely personal basis, with your unique circumstances at the forefront.
Lazenby’s can broker the best possible mortgage product for you out of thousands from across the marketplace. This can potentially save you thousands over time and they will also conduct a free mortgage check to ensure that you can afford the mortgage before you commit.
Need help finding an Independent Financial Advisor?
Peter Field is a financial analyst and has written for InvestingReviews.co.uk covering topics from pensions, savings, investments and ISAs. His knowledge of the Investment market has proven invaluable, making his unbiased views and opinions open and honest for everyone. In 2021 Peter retired and is working towards enjoying more of the outdoors with his beloved labrador Millie.