Effectively managing your money is a much more complex issue than simply budgeting. Building your wealth, providing for your future, performing a health check, protecting your assets, and saving for one of life’s milestones such as your first home, retirement, or your children’s education, can be tricky to navigate without the specialist skill and knowledge that a professional advisor will possess. This is the reason why more and more people are wisely turning to finding an independent financial adviser in Surrey to secure their future.
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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 Surrey
|Rank||Advisor||Description||Find An Advisor|
|1||Regency Investment Services are proud to have obtained the much converted Chartered qualification, meaning you can be confident that you will be receiving the highest quality financial advice available from advisers who are trained to the highest standard.||Find An Advisor|
|2||Fish Financial specialise in providing financial solutions to high net worth individual and corporate clients in order to protect and grow their wealth.||Find An Advisor|
|3||Mantle Financial Planning have achieved the highly prized Chartered Financial Planners status, giving you the confidence and peace of mind that they have undergone a rigorous process to confirm that they employ highly qualified staff who undergo continuous development, but also that they operate with complete compliance to the industry’s standard of code of ethics and conduct.||Find An Advisor|
|4||At Culverhouse they recruit their staff based on their qualifications, technical skills and their ability to really listen.||Find An Advisor|
|5||At Pyrford they pride themselves on offering a local and highly personalised solution in order to help their clients achieve their financial aspirations.||Find An Advisor|
|6||At Laithwaite they are proud of the enduring relationships they have established with their client base.||Find An Advisor|
|7||Rothsay Bennett have built up a client base mostly on the back of personal recommendations which is testament to the outstanding solutions they deliver.||Find An Advisor|
|8||PMW are an award winning firm of completely independent financial advisers who employ an innovative approach to providing their clients with a highly personalised solution.||Find An Advisor|
|9||Temple Wealth Management offer both individuals and businesses, local to Surrey, a completely holistic financial solution backed by the coveted Chartered Status demonstrating their commitment to providing you with the best possible advice available.||Find An Advisor|
|10||Credenda is authorised and regulated by the Financial Conduct Authority and focuses on offering protection and sound financial advice in order to maintain the health of your business.||Find An Advisor|
Choosing an IFA
If you are on the fence about whether financial advice could be of benefit to your situation, here are some reasons to consider their financial services:
A qualified financial adviser in Surrey will have undergone extensive training in order to legitimately provide financial advice to clients. There are various levels of qualification that will indicate that your financial adviser has an understanding of economics and the market in order to provide educated recommendations that can benefit your circumstances. Not only this, but financial advisers build up years of experience, providing them with financial insights that can prove invaluable, and gaining them excellent reputations and hard won referrals.
Taxes are a complex area, and the constant vicissitudes of legislation can often make what was once an attractive investment opportunity, a less prosperous option. A thorough understanding of taxes and how they affect your circumstances can help ensure the gains generated by your investments are not eroded away by taxes and your personal income is protected.
As well as this, a financial adviser can provide guidance on legitimately mitigating your tax liability in other areas such as inheritance tax and income tax, ensuring you continue to build your wealth in line with your financial aspirations.
Peace of Mind
With today’s increasingly frantic pace it is priceless to know that your finances are being properly cared for and working hard towards a secure future for you and your family.
Here is our round-up of top IFAs in Surrey
Regency Investment Services
189 High Street, Egham, Surrey, South East England, TW20 9ED
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Regency Investment Services are proud to have obtained the much converted Chartered qualification, meaning you can be confident that you will be receiving the highest quality financial advice available from advisers who are trained to the highest standard. The Chartered status has only been obtained by around 500 firms across the country and also acts as a guarantee that the advice you receive is completely ethical and is always in your best interest.
Being a fully independent planning firm, the advisers at Regency perform a meticulous analysis of the entire market in order to obtain the very best products and financial services for your unique circumstances. They provide a completely bespoke service, that is painstakingly tailored to your individual requirements in order to best meet your financial objectives.
Regardless of your current circumstances, the highly skilled advisers at Regency can provide bespoke strategies to help you get to where you need to be. They place a particular emphasis on continual client reviews and perform a thorough health check on a regular basis, ensuring that your financial plan remains in line with changes to tax and legislation as well as changes to your own personal circumstances.
The advisers at Regency pride themselves on their comprehensive retirement advice, consolidating all and any pension provisions you have in place in order to offer you the most personal and tailored advice for your situation. The advisers can help clarify complexities to pension drawdown options, and ensure you are making the most of any pension benefits due. In addition to this, the skilled advisers will work within the parameters of the law to ensure your liability to inheritance tax is as mitigated as possible, ensuring your beneficiaries receive as much of your estate as possible.
The Client Journey
The financial advisers at Regency employ a rigorous four step process in order to ensure you receive the best possible service. This begins with Exploration, an opportunity for them to learn as much about you as possible and establish a clear outline of your financial objectives. The advisers will also utilise this meeting to gain an understanding of your attitude towards risk, for use when establishing an investment portfolio. This meeting is completely free and without any further obligation.
The next part of the process is referred to as Research and Planning. This entails comprehensive analysis of your current circumstances and a thorough health check in order to formulate a detailed plan to help you meet your objectives. This will be presented to you in clear, concise language.
The next two parts of the process are Implementation, and Review so you can relax in the knowledge that your finances are being professionally tended to, have received a health check, and are working hard towards meeting your objectives.
Fish Financial Ltd, Gostrey House, Union Road, Farnham, Surrey, South East England, GU9 7PTFind an Advisor
Fish Financial specialise in providing financial solutions to high net worth individual and corporate clients in order to protect and grow their wealth. They utilise tax efficient strategies to help their clients reach their financial goals quicker, and present their findings in clear concise language that is easy to decipher and free from financial jargon.
The investment managers at Fish Financial believe that your capital should be working as hard as possible towards achieving your financial goals without exposing you to any unnecessary risk. The first step towards finding the perfectly balanced portfolio for you is identifying your financial goals and your appetite for risk. This is used as the foundation for finding the appropriate mix of assets for your portfolio such as property, equity, fixed income, commodities and currencies. This selection process is done on the back of the findings from an independent investment research company which enables your adviser to constantly monitor and update your portfolio on a daily basis in line with market changes. As well as this, your portfolio will be subject to a rigorous six monthly review and health check, looking at the short term return indications as well as the current risk at your individual holding level.
Lifetime Cash Flow Management
The financial advisers at Fish Financial use a highly skilled process to identify the inflows and outflows of cash, throughout your lifetime, in order to accurately forecast how decisions you make today, will affect your future. This intricate level of cash flow prediction can help you make informed decisions such as how much money you will need to retire, and when you can expect to feasibly make that happen.
By assessing and establishing your current financial condition, your adviser can help you establish if you are on track to realising your financial goals, and what changes need to be made in order to secure your future. This is all presented to you in an easy to understand format which allows you to visualise your financial path.
Mantle Financial Planning
77-79 Stoneleigh, Broadway, Epsom, Surrey, South East England, KT17 2HPFind an Advisor
Mantle Financial Planning have achieved the highly prized Chartered Financial Planners status, giving you the confidence and peace of mind that they have undergone a rigorous process to confirm that they employ highly qualified staff who undergo continuous development, but also that they operate with complete compliance to the industry’s standard of code of ethics and conduct.
Chartered status is the benchmark for industry excellence and professionalism. It is an accolade that is difficult to achieve and is only awarded in very deserving cases and guarantees that the service you get from Mantle will always be in your best interest and provided to you by someone who is qualified to provide you with exceptional advice from a reputable planning firm.
Intelligent Tax Planning
Minimising the tax you pay can be an effective strategy to help you grow your wealth. Mitigating your tax liability legitimately is a complex process which goes hand in hand with financial planning by allocating key investments to the lowest tax payers first.
One of the key areas where stringent planning of taxes can make the most difference to your finances is in the area of inheritance tax. Ensuring that your beneficiaries receive the bulk of your estate requires careful consideration utilising complex strategies such as Trust arrangements and life assurance plans.
Securing the right mortgage for your individual circumstances can be tricky with literally millions of products to choose from. At Mantle Financial Planning, the independent financial advisers will scan the entire marketplace, without any bias, to find the exact right product to meet your requirements. They also offer a free initial consultation in order to discuss your needs and how they can help you meet them.
With state pensions being a mere £168.60 a week, it’s important that you have provided yourself with adequate provision so you can achieve a retirement that is free from financial worry. The most efficient way to provide for your retirement is with a personal pension plan, taking advantage of the tax benefits on offer and working in line with your income and changes to your circumstances.
Culverhouse Financial Planning Ltd
7 High Street, Farnborough Village, Kent, South East England, BR6 7BQFind an Advisor
At Culverhouse they recruit their staff based on their qualifications, technical skills and their ability to really listen. They want to understand you, your unique financial position and your dreams and aspirations so they can best help you put a plan in place to ensure you get to where you want to be. Being completely independent, Culverhouse can find the very best products and financial services from across the entire marketplace to suit your unique circumstances.
Family protection can provide you with the piece of mind that your loved ones are adequately provided for should the worst happen. No one wants to think about their own passing, however, without the right level of protection in place you can ensure that your family isn’t plagued with financial worries at an already stressful time.
Culverhouse employs a team of pension specialists who take the time to really understand your goals and timeframes in order to put a robust plan in place to ensure you get the retirement of your dreams. This includes a thorough assessment of any pension provisions you currently have in place, as well as recommendations for portfolios and investment opportunities that might best suit your circumstances. This is all subject to a rigorous review and health check process to ensure you remain on track and that any changes are made to further maximise your pension pot.
Inheritance Tax Planning
Have you fully considered the implications of inheritance tax on your estate when the time comes to pass it to your beneficiaries? All your assets including cars, jewelry and property are liable for inheritance tax of 40% and this bill is due within six months of your death, meaning the sale of assets is usually rushed in order to cover this cost. There are a number of exemptions and allowances you can take advantage of in order to mitigate your liability and the skilled financial advisers at Culverhouse can help guide you through this process to legitimately reduce your inheritance tax bill.
Pyrford Financial Planning
Dibgate Farm, Sundridge, South East England, TN14 6ABFind an Advisor
At Pyrford they pride themselves on offering a local and highly personalised solution in order to help their clients achieve their financial aspirations. They believe that in order to deliver a successful financial plan, they have to place you at the centre and build around you, answering questions such as ‘what you want to achieve and what you need to get there’.
Your financial journey with Pyrford starts with a discovery meeting, an opportunity to get to know your adviser and ensure they are the correct fit for you and your requirements. Pyrford will take this opportunity to explain how they can add value to your circumstances as well as learn more about you, your family, your current finances, and your aspirations. This is completely at their expense and carries no obligation on your part.
The next part of their vigorous process will be life planning, which considers where you are at this current point in time, how you achieved your current status, what sort of aspirations you have for your future, and the exact amount you require in order to achieve this in the time scale available.
At this stage your master financial plan will be built using information such as resources that are available now and in the future, full analysis of capital, inflows, outflows, tax and lifetime cash flows. This master plan will identify when you will have adequate funds to retire, whether you can afford to gift money to your children, when you can afford to retire, and whether you are taking full advantage of tax breaks available to you.
Once your comprehensive financial plan is in place, your adviser can start to discuss your investment opportunities and how they can add value to your existing finances. This includes a thorough analysis of any existing investments you have in place to ensure they are in line with your risk profile and are working to deliver your financial aspirations. This is all done with the use of state of the art technology and an approach that is backed up by years of evidence to ensure you have the best possible returns.
Laithwaite Independent Financial Advisers
The Forge, 101 Robin Hood Road, Knaphill, Woking, Surrey, GU21 2LSFind an Advisor
At Laithwaite they are proud of the enduring relationships they have established with their client base. They have been through times of financial ‘boom and bust’ and understand that achieving guaranteed financial success is all about careful and considered planning. Being fully independent, they are at liberty to analyse the whole of the market in order to find the best possible solutions for you as an individual, providing you with value for money. They aim to remove the confusion and jargon from their advice, and explain things to you in a way that enables you to confidently move forward with important financial decisions. If you are looking for financial advisors Guildford, then Laithwaite is in easy access and happy to provide advice beyond Woking.
It takes careful planning to really secure a retirement that is free from financial strain so you can enjoy a great quality of life. Receiving independent financial advice from Laithwaite can help you successfully navigate the complexities surrounding pensions in order to ensure your money is working hard towards securing your future and you are taking advantage of all the allowances available. Laithwaite will help you determine the exact amount you require to achieve the retirement you deserve as well as find the best possible products from across the entire market to meet your unique requirements.
With savings becoming less and less efficient at maintaining your wealth, more and more people are turning to investing in order to secure and grow their capital. An established and well managed portfolio can provide an excellent source of income and help provide for life events such as the purchase of a property or funding your children’s education, however, investing is not without risk and the financial advisers at Laithwaite will go through a through process to ensure your investments are in line with your risk profile. The approach at Laithwaite has a proven track record of delivering higher levels of wealth for their clients.
Protection and Insurances
Without adequate and appropriate protection, there can be no guarantees that your financial plan and future aspirations will come to fruition. At Laithwaite they can offer you fully independent and unbiased advice on the most cost effective product to give you the exact level of protection you need across the following areas:
- Life Assurance
- Income Protection
- Critical Illness Cover
- Inheritance Tax Cover
- Business Protection
- Long Term Care
Rothesay Bennett Financial Planning
287/289 Kenilworth Road, Balsall Common, CV7 7EL
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Rothsay Bennett have built up a client base mostly on the back of personal recommendations which is testament to the outstanding solutions they deliver. They deliver quality recommendations based on over 100 years of combined experience, in order to grow and protect your wealth both now and in the future. Their skilled financial advisers take the time to get to know you in order to identify your short, medium and long term financial goals and help you identify exactly what you want from your finances in order to meet your aspirations. They then use this, alongside your current circumstances, to build you a personal roadmap to your secure financial future with regular reviews and health check to ensure you stay on track to realising your dreams.
Rothesay Bennett are authorised and regulated by the Financial Conduct Authority, which means you can be sure they will always act in your best interest.
Investing can offer you the opportunity to build your wealth in order to provide for one of life’s large financial events such as the purchase of a property, or even to help provide for your retirement.
The financial advisers at Rothesay Bennett are highly skilled in the creation of an investment portfolio to suit your needs. They work with you, in a simple and easy to understand format, so you can make informed decisions about your investments and have confidence that the level of risk is suitable for your lifestyle and requirements.
A pension is a long term investment, designed to provide you with a comfortable income in your retirement, free from financial stress and adequate enough to provide for any long term care you might require. At Rothesay Bennett they work hard to blend the savings vehicles available to produce the most efficient income in retirement in order to provide you with the reassurance that you will have adequate funds in place for a financially secure future.
Having the correct level of protection in place ensures that the bumps in the road ahead don’t derail your financial plan and you remain on track to the financial future you aspire to. The advisers at Rothesay Bennett are highly skilled in providing the correct components to ensure your financial health and that of your dependents and loved ones. They work to provide you with a comprehensive wealth preservation strategy to protect you and your family and ensure your assets are preserved regardless of what happens in the future.
Partridge Muir and Warren
Aissela, 46 High Street, Esher, Surrey, KT10 9QY Find an Advisor
PMW are an award winning firm of completely independent financial advisers who employ an innovative approach to providing their clients with a highly personalised solution. They serve private clients, families, charities and professionals, gaining industry accolade for their continued commitment to providing exceptional customer care. Regardless of your requirements, they have the correct level of service, delivered for your exact circumstances, in order to grow and protect your wealth and help you realise your financial goals and aspirations.
At PMW they have the expertise and experience to offer a comprehensive wealth management service to a wide range of clients with varying starting values. They will take on clients with as little as £100,000 but also manage multi million pound portfolios all with a highly personalised and tailored solution in order to best achieve your financial goals. With many clients local to Surrey, the personalised service is completely cost transparent with an all inclusive structure that provides clients with the peace of mind that all their transactions are being monitored and reviewed.
PMW offers clients a comprehensive investment solution with a diversified investment portfolio that is meticulously balanced to meet your financial objectives whilst remaining in line with your personal risk profile. This provision is a diluted version of the wealth management service they offer and is aimed at clients who wish to invest between £50,000 and £100,000. Clients can expect full reviews, a health check, and adjustments in line with changing markets, to ensure the continued success of their investments.
Clients of PMW can take advantage of their highly regarded financial planning service, either as a separate entity, or as a gateway to their Wealth Management or Investment Management service. The skilled advisers take the time to really get to know you, your dreams and aspirations, your family, and your current financial situation, in order to provide a highly tailored plan to meet your needs. Your financial plan will take into account the following:
- Tax mitigation
- Protecting you and your dependants
- Pension planning
- Investment planning
- Estate planning
Temple Wealth Management
Fort Fareham Business Park, Fareham, PO14 1AH Find an Advisor
Temple Wealth Management offer both individuals and businesses, local to Surrey, a completely holistic financial solution backed by the coveted Chartered Status demonstrating their commitment to providing you with the best possible advice available. The advisers at Temple make it their primary focus to learn as much about you as possible and help identify your financial goals in order to provide tailored solutions, with the most cost effective and efficient products to help you reach your financial objectives.
Not many people can put a number on exactly how much they will need to comfortably retire, or when they can expect to be able to do so. The retirement advisers at Temple can work with you to answer important questions that can facilitate a comprehensive plan to get you to where you need to be. They can help you work through annuities, income drawdown or pension transfers in order to ensure you have the best, tailored solutions for your unique requirements.
Inheritance Tax Planning
The skilled advisers at Temple can help you legitimately mitigate your exposure to inheritance tax in order to ensure that the bulk of your estate is passed to your beneficiaries and not the taxman. This is done using a variety of means, including gifts, inheritance tax reliefs, passing on of a home, bequeathing assets, and charitable gifting.
Mortgages and Protection
Temple employs a dedicated team of independent mortgage advisers who are on hand to guide you through the thousands of products available from across the market in order to secure the very best mortgage for your unique circumstances. They can also provide you with the insurance necessary in order to complete your mortgage offer.
The financial protection services offered at Temple can help give you peace of mind that you will be able to safely navigate any surprises that may arise in the future, helping you to secure your financial future. They offer completely independent advice for life assurance, term assurance, whole of life insurance, critical illness, income protection, general insurance, buildings insurance, and contents insurance, and can help you establish the exact right level of cover for you at the best possible price.
Credenda Independent Financial Advisors
20 Vicarage Road, Woking, Surrey, GU22 9BH
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Credenda is authorised and regulated by the Financial Conduct Authority and focuses on offering protection and sound financial advice in order to maintain the health of your business. The business financial advisors at Credenda believe in finding solutions, and being fully independent, they have access to products and financial services from across the entire marketplace, in order to secure the health of your business. They work to ensure that the risk to your business from unexpected death or critical illness of key members of staff and stakeholders is efficiently protected against. If you are searching for a financial advisor Guildford, then Credenda is within easy access and happy to serve clients beyond the Woking area.
Key Person Protection
Have you ever stopped to wonder about the impact on your business should a key member of staff become unable to work due to critical illness or death? This happens more regularly than you might think and can have a devastating effect on the health of your business. This is the reason Credenda can help you find the best solution to protect your business against the loss of a key person, finding the best insurance product to provide your business with a lump sum injection of capital that can be used as a buffer to ensure the continuity of your business.
The independent financial adviser at Credenda can help you establish the level of cover that is right for your business as well as talk you through the two main options to consider, key person life insurance, and key person critical illness insurance.
If you have a business partner then you may want to consider if you could afford to buy their share in the business in the event of their death. Without this level of protection, the deceased shareholders beneficiaries would automatically become shareholders in your business. If you don’t have the necessary funds to offer fair value for the deceased shareholders stake in the business then shareholder protection can bridge this gap, and provide a lump sum in order for you to purchase the shares yourself and prevent the sale of shares to a competitor or third party.
Business Loan Protection
If your business has any kind of business loan outstanding then it is prudent to consider that in the event of death or severe illness of one of the business owners, lenders may have the right to demand payment of any outstanding amount. Business loan protection can provide you with the funds to pay off any outstanding balance and ensure the health of your business.
Need help finding an Independent Financial Advisor?
Most common questions Peter and the team get from investors in Surrey
I see adverts for Financial Advisors Surrey and Financial Planners in Surrey, 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 Surrey what is it they will do?
The primary role of a financial adviser is to assist individuals in achieving their long term and short term financial goals. In order to accomplish this, financial advisors will meet with clients to assess their financial needs and work alongside economic trends, regulatory changes and the clients wishes in order to help them with investments, tax laws and insurance decisions.
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 Surrey financial adviser?
There are many variables as to how much a financial adviser will charge you including the specific advice you are after and the billing structure. Some of the different ways that you can expect to be billed for the services of a financial adviser include:
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 £35.
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 Surrey and a financial adviser in Surrey?
A financial advisor in Surrey sometimes referred to as a restricted adviser, can only give financial advice on a limited number of products such as insurance, mortgages and pensions, so while they may be in a position to provide good financial advice, they don’t always have access to the best products to suit your unique circumstances.
Conversely, independent financial advisers in Surrey have access to the entire market and can therefore match the best product for your situation. An independent adviser in Surrey 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 Surrey?
Commission driven products such as payment protection insurance have changed the way that independent advice is regulated in England. Tougher standards have been introduced banning commission driven sales and requiring advisors to hold higher levels of qualifications. However, there is still a variation in the quality of advice you can receive and you should be wary about simply employing the assistance of the first IFA you come across in Surrey.
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 Surrey. Face to face advice can help build a trusting relationship with your adviser should you require ongoing support.
Whilst an independent adviser in Surrey 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 Surrey to discuss their payment structure and find an arrangement that suits you and your individual needs.
How do I find a good IFA in Surrey?
A good place to start is to seek a personal recommendation for an IFA in Surrey. An IFA’s success with another client will speak volumes about their level of service.
Alternatively, you can find details of trusted IFA’s in Surrey using our reviews, alternatively you can speak directly to Peter and the team here who will help you for free