What we do

We are fully qualified Independent FCA authorised advisers  

We are a highly qualified team of experienced FCA Authorised financial advisers. Well placed to provide you with fully independent and impartial expert advice, and access to all the best product providers.

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There will probably be times in life when you're not sure what to do with your money or what decisions you should be making about your financial future. There are many thousands of different financial products on offer and choosing between them can be mind-boggling.

Our services

Whether you are looking to invest for your future, minimise your tax, are looking to retire, find a mortgage, release equity, or simply wish to review your, your business’s, or your family’s overall financial position, we are here to help. Our expert advisors provide clients with impartial & unbiased independent financial advice in all areas of finance, including:

  • Pensions
  • Investments
  • Mortgages
  • Protection
  • Tax planning
  • Later life planning

To provide the appropriate advice we first need to understand your current position and your future aspirations. Once we understand the products you may already have, and have established a clear view of your current financial position, we will then be able to establish your needs & preferences and the goals you are aiming to achieve.

We will then be able to provide you with the most suitable unbiased & independent financial advice, and a whole of market choice of products to help you achieve your desired goals. Our financial advisors will always act in your best interests to ensure that you can make important decisions about your finances with confidence.

Our financial advisors will always act in your best interests to ensure that you can make important decisions about your finances with confidence.

Our qualifications

We have a wealth of experience, and all the qualifications necessary to be able to provide advice in all areas of finance. We have the necessary specialist financial qualifications to cover all areas including …

  • Personal Tax (CII) / J01
  • Chartered Associateship (LIBF)
  • Award in Pension Transfers / AwPETR
  • Certificate in Long-Term Care Insurance (LIBF) / CeLTCI
  • Certificate in Regulated Equity Release (LIBF) / CeRER
  • Advance Diploma in Financial Advice (LIBF) / AdvDipFA
  • Certificate in Long-Term Care Insurance (CII) / CF8
  • Advanced Cert Mortgage Advice & Practice (LIBF) / Adv CeMAP

As a minimum advisors have to be qualified at Level 4 or above of the Qualifications and Credit Framework (equivalent to the first year of a university degree), and also need to have an annual Statement of Professional Standing (SPS). Additionally, depending on what areas are covered, other specialist qualifications may be necessary.

Frequently asked questions

If you cannot find the answer you are looking for below, please call one of our specialist advisers today ...

Yes, AdviceWise Ltd is approved by the Financial Conduct Authority (FCA).

Our FCA authorisation number is: 839690

Your advisor should be regulated and approved by the FCA, and you can check the Register to ensure they are. If you use an adviser who is not approved, you will not have access to the Financial Ombudsman Service (FOS) or Financial Services Compensation Scheme (FSCS) if things go wrong.

We have a wealth of experience, and all the qualifications necessary to be able to provide advice in all areas of finance. We have the necessary specialist financial qualifications to cover all areas including …

  • Personal Tax (CII) / J01
  • Certificate in Long-Term Care Insurance (LIBF) / CeLTCI
  • Advanced Cert Mortgage Advice & Practice (LIBF) / Adv CeMAP
  • Certificate in Regulated Equity Release (LIBF) / CeRER
  • Chartered Associateship (LIBF)
  • Advance Diploma in Financial Advice (LIBF) / AdvDipFA
  • Award in Pension Transfers / AwPETR
  • Certificate in Long-Term Care Insurance (CII) / CF8

As a minimum advisors have to be qualified at Level 4 or above of the Qualifications and Credit Framework (equivalent to the first year of a university degree), and also need to have an annual Statement of Professional Standing (SPS). Additionally, depending on what areas are covered, other specialist qualifications may be necessary.

As financial advisers we offer independent and impartial advice, and offer products and providers from the whole of the market. We are not restricted to any particular products or providers.

We provide advice in a range of financial areas including pensions, Investments, mortgages, protection, tax, and later life planning. All advice provided is in the best interests of the client, and meets all necessary FCA regulations.

AIt is important to understand the fees and charges you may pay for advice, and also at what point you will need to pay these. Our initial consultations are free, and we will disclose our fee structure with you during the first consultation.

You may have the option to pay a one-off fee or you may pay a regular fee if the advice is on an ongoing basis. Fees may alter depending on the nature of the advice you require, but these will be stated clearly for you before you make any decisions.

You may have the option to pay the fee directly, or have it taken from your initial investment. We may also accept payment in instalments if you have a regular ongoing advice, depending on the nature of your investments.

The services firms offer can vary, from meeting very simple needs such as investing in an individual savings account (ISA), to full financial planning, or arranging a mortgage.

Our advisers will consider all of your needs and recommend a plan to help you meet your financial goals over your lifetime.

For some specialised areas (such as transferring out from a defined benefit pension scheme) some advisers may not have the necessary qualifications to provide all of the advice you need, so they may outsource some of the advice to another firm which does. We do not outsource any of our advice!

We provide professional independent advice on areas of finance including:

  • Pensions
  • Investments
  • Mortgages
  • Protection
  • Tax planning
  • Later life planning

After a consultation we will be able to gain a picture of your attitude to risk and explain how each recommendation or product fits with this.

If you think you are prepared to take more or less risk than is advised, you can ask us to explain how we identified your risk profile and whether it should be changed.

Advice can be provided in different ways, it can be provided face to face, on the phone, via email or in a written report.

In every case we will provide you with an outline of our recommendations, in the form of a suitability report, so that you understand why we’ve recommend a particular plan or product.

As well as providing an initial recommendation, we can also offer an ongoing service with periodical reviews and updates.

This might be an annual review to check the value of your investments and consider any changes to your circumstances.

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ICO Data Protection no: ZA558597
FCA Authorisation no: 839690

Pensions

The best pension options

Let our qualified pension experts advise on the best pension options for you & your family's future ...

Investments

Wise investment choices

all the latest products available as of January 2021 ...

Mortgages

Latest rates for 2020

Our qualified mortgage experts can advise on the best options ...

Protection

Plan for the unexpected

Helping you arrange the best protection for you and your family ...

Tax planning

Are you tax efficient?

Independent & impartial advice on tax planning products from all providers

Later life

The future is inevitable

Our needs are different in later life, and with effective later life planning we can be prepared

find your financial freedom !