North West
Financial advisers in the North West
From Manchester and Liverpool to Cheshire, Lancashire and Cumbria, we match people across the North West with FCA-regulated advisers suited to their situation.
Advice in the North West
What people here ask us about
Manchester is one of the largest centres outside London for professional services, media and technology, and Cheshire has some of the highest household wealth outside the South East. Alongside them are Liverpool's port and health economy, Lancashire's manufacturers, and in Cumbria a nuclear and engineering workforce with substantial pensions.
The questions we hear reflect that range: senior employees whose pay now crosses several tax thresholds, business owners weighing up a sale, and people approaching retirement with good pensions and no clear plan for using them.
Senior employees and executives
The £100,000 trap, the tapered pension allowance, bonuses and share awards.
Business sales and exits
Planning ahead of a sale, and turning the proceeds into lasting income afterwards.
Public sector and final salary pensions
NHS, teaching and industry schemes: what you have, annual allowance issues and your options at retirement.
Estate planning in Cheshire and beyond
Inheritance tax planning for estates where property values have outgrown the allowances.
Across the North West
Wherever you are, the consultation comes to you
Consultations are held by video, so you can speak to the right adviser from home or from work. We work with people throughout the North West.
Before you book
Get a feel for the numbers
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Pensions
Retirement calculator
See what your pension could pay you, how it compares with the income you want, and what would close any gap.
Open the calculator -
Inheritance
Inheritance tax calculator
Estimate the inheritance tax on your estate, with the residence nil-rate band, gifts and the 36% charity rate.
Open the calculator -
Tax
Income tax calculator
Take-home pay, your true marginal rate, and what it costs to escape the £100,000 allowance trap.
Open the calculator
Questions
Good to know
I am in the NHS pension scheme. Do I need an adviser?
It can help, particularly for senior clinicians. Growth in NHS pension benefits counts towards the annual allowance and can produce unexpected tax charges, and the choices at retirement between schemes and sections are not simple. Advisers who specialise in public sector pensions deal with these questions regularly.
Will my adviser be based near me?
We match on fit first: the adviser's specialism and the kind of clients they work with. If you would like someone close by, tell us when you book and we will take it into account. Because consultations are held by video, the right adviser for your situation does not have to be the nearest one.
What happens after I book?
You choose a time, and we match you with an FCA-regulated adviser who works with people in your position. We send you their name, firm and FCA registration so that you can check them on the Financial Services Register, followed by a Microsoft Teams invitation. The consultation is complimentary and you are under no obligation to go further.
Other regions: London, South East, South West, East of England, East Midlands, West Midlands, Yorkshire and the Humber, North East, Scotland, Wales, Northern Ireland.
Speak to an adviser in the North West
Choose a time for a complimentary video consultation with an FCA-regulated adviser who suits your situation.