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Need help finding a financial adviser near you?
Whether it’s your pension or planning your will, Yell helps you hire trusted financial advisers near you in just a few steps.
Here’s how it works:
1. Enter your location to browse financial adviser profiles or post an enquiry
2. Compare reviews and credentials to find businesses that suit your needs
3. Prefer to speak directly? Call or message businesses straight from their profile
Types of financial advice near you
1. Retirement and pension planning
Planning for the future can feel overwhelming, but a financial adviser can help you make sense of your pension options and long-term savings. They will review what you already have in place, explain how different pension schemes work, and help you plan the income you will need when you retire.
2. Investment guidance
Whether you are new to investing or looking to refine your portfolio, advisers offer practical support to help grow your money in line with your goals. They will break down complex products such as stocks and funds into straightforward options and make sure your investments suit both your current situation and future plans.
3. Estate and inheritance planning
Sorting out your estate is not just for the wealthy. It is about making sure what you have built is passed on smoothly and in a way that is tax efficient. Advisers can guide you through writing or updating your will, setting up trusts and understanding inheritance tax, helping you protect your assets.
What are the most common financial adviser services?
Financial advisers play a key role in helping you manage and use your assets wisely. Below are some of the most common services they offer.
Tax planning
Tax rules can be complicated and no one wants to pay more than they need to.
Financial advisers can help you understand allowances and reliefs, structure your income efficiently and make sure your investments and savings are as tax-friendly as possible.
Mortgage advice
Buying a home is one of the biggest financial decisions you will make.
Advisers can explain the different types of mortgages available, help you work out what you can afford and guide you towards the most suitable deals for your circumstances.
Insurance and protection planning
Advisers can recommend personal protection policies such as life cover and income protection to help safeguard your family and income in case the unexpected happens.
They will check that any cover is suitable and meets regulatory standards.
Budgeting
Keeping on top of everyday finances can be challenging.
Financial advisers can help you create realistic budgets, manage debt effectively and plan for future expenses so you stay in control of your money.
Savings
Whether you are planning to fund a child’s university education or save for a wedding or big life milestone, advisers can help you build a tailored savings plan.
They will assess how much you need, recommend suitable savings vehicles and help you stay on track to reach your goal.
Business financial advice
If you run a business or are self-employed, financial advisers can support you with everything from managing cash flow and pensions to setting up employee benefits.
They can also advise on business protection and tax efficiency, helping your company stay financially healthy.
How to find the best local financial advisers
Finding the right financial adviser can be tricky. Here are four key factors to keep in mind to make sure you’re choosing a qualified and trustworthy professional:
FCA authorised
When hiring local financial advisers, treat FCA authorisation as a non-negotiable check. Check the FCA Register to confirm authorisation and ensure permissions match the advice offered. A short verification step now can save significant time and cost once work is underway.
Knowledge and experience
The best local financial advisers will have direct experience with work like yours. Ask for examples of cases or accounts similar to yours and the results achieved. This is often the difference between a smooth job and costly rework.
Reputation or reviews
Read recent reviews before shortlisting local financial advisers. Look for comments on how well complex matters were explained in plain English. If the same strengths and weaknesses appear repeatedly, you’ll gain a clearer picture of what to expect.
Fee terms
Set out payment expectations in writing when booking local financial advisers. Ask when each payment is due and what will be delivered at each stage. A transparent schedule protects both sides and prevents surprise add-ons.
What questions should I ask before hiring a financial adviser?
How do you charge for your services and what is included in the fee? Financial advisers can charge in different ways, such as hourly rates or monthly retainers. You should ask for a clear explanation of what is included, such as initial advice, implementation, and ongoing reviews.
Are you authorised and qualified to give the advice I need? Always check that the adviser is authorised by the Financial Conduct Authority and has the appropriate qualifications for the type of advice you need.
What experience do you have with clients like me? Ask how long the adviser has been practising and what types of situations they typically handle to ensure this matches your requirements.
Will I have an ongoing relationship and how often will we meet? Find out how often the adviser will review your plan and whether meetings will be face-to-face, online, or by phone to make sure you’re aligned.
Top frequently asked questions about financial advisers
You can handle straightforward money tasks on your own, especially if you have simple goals and a modest number of accounts.
Budgeting, building an emergency fund and paying down expensive debt are all things many people do without help.
A financial adviser becomes valuable when the stakes are higher or the choices are complex. Examples include planning retirement income from several pensions, investing a lump sum, selling a business or working out how to pass wealth on to family in a tax efficient way.
If you are unsure, book an initial chat to see whether one off advice or an ongoing service would be the better fit.
Guidance provides general information to help you understand options. It does not assess your personal circumstances and it will not tell you which specific product or action to take.
Regulated financial advice is tailored to you. An adviser will gather information about your income, assets, debts, goals and attitude to risk, then recommend a suitable course of action.
Pro tip: Do you also need help with your Self Assessment tax return? Read our article to learn when the deadline is.
Independent advisers look at a wide range of products and providers to find what could work best for you. They have to meet rules set by the Financial Conduct Authority, which say their recommendations must come from a fair and unbiased view of the market.
Restricted advisers work with a smaller set of options. They might use a chosen panel of products, focus on certain types of investments, or partner with one or two providers. That does not mean the advice is poor. It just means the range is narrower. They must be upfront about what they can and cannot recommend so you know where you stand.
Both types have to meet the same professional standards and act in your best interests.
The first meeting is a discovery session. The adviser will ask about your goals, time horizon, family situation and any plans that might affect your finances such as moving home or changing job.
They will also run through income, regular spending, debts, savings, pensions, investments and insurance. Bring photo identification, recent bank statements, payslips if relevant, details of any mortgages and loans, and paperwork for existing pensions, investment accounts and protection policies.
There is no single threshold. Some advisers work on fixed fees for projects of any size, which suits clients who need a focused piece of help. Others set minimum asset levels for ongoing investment management, because their service is designed for larger portfolios. If you are early in your financial journey, look for firms that offer one off advice, coaching sessions or a simple annual check.