Personal financial advice

Our advice broadly falls into two categories:

Based on your needs your Adviser could recommend a mix of products (and investments) for your personalised investment strategy. These products include Fidelity’s ISA, SIPP and Investment Accounts.

What you invest into is really important, whatever the account type you are using. We can advise on a range of investment options, all backed by Fidelity’s expertise in investing.

Our multi asset team is made up of over 100 investment professionals located across the UK, broader Europe, Japan and other parts of Asia. They've been managing multi asset funds for over 40 years, are research-driven and results-oriented and have assets under management of approximately £33 billion as at 30 September 2023. The following all benefit from the investment expertise of our multi asset team.

Fidelity's Discretionary Portfolio Management (DPM) service

Our DPM service provides a diversified approach to investing with seven risk-rated portfolios that are managed for you. Your Adviser can recommend which of these portfolios is right for you. The portfolio managers will then actively monitor and make adjustments to the portfolio you hold so it matches the level of risk/reward you want to take. The DPM is only available for those taking ongoing advice so your Adviser can ensure it remains the right service for you.

Download our DPM brochure

Fidelity's Multi Asset Range

When it comes to investing directly into funds we offer several ranges of multi asset risk-rated funds. These offer both active and passive management approaches as well as income producing funds.

We offer advice on your investments and pensions so you’re more prepared for what your future holds and your future retirement.

• Planning for retirement
• Saving and investing
• Looking into later life income options
• Protecting your wealth and exploring how to pass it on to loved ones

Our advisers can also help you review your current arrangements to consider if they’re working for you or help you to decide if you should consolidate your existing pension schemes into one. 

We can offer one-off advice or support for as long as you need it. If you decide to take us up on our financial advice recommendation, we'll see it through and make the process as smooth as possible.

We believe in providing great value for money. Your Financial Adviser will talk through the charges based on the level of advice you need.

Our focus is on our customers' investment needs. We understand that you may need support to help make the best decisions for your financial situation and have the experience that you can trust.

It depends on your personal circumstances and what you’re looking to achieve. However, planning and investing for your future sooner rather than later can help you reach your financial goals, whether that’s for your children, retirement or other expected and unexpected life moments.

To use Fidelity’s advice service, you’ll need a minimum of £100,000 to invest.

During your free, no-obligation initial meeting your Financial Adviser will outline our services and fees and agree whether our service is right for you.

If you decide to proceed, they’ll discuss your financial goals, personal circumstances and your attitude towards investment risk, to help build a picture of your needs and the things that are important to you.

They’ll use this assessment to determine your priorities, carry out any technical analysis and research if required, before making their recommendations.

If you choose to take ongoing advice your dedicated Adviser will invite you to an annual review meeting where you can discuss your objectives if they've changed and review your investment strategy. Your Adviser will then present you with your Annual Review report and its recommendations (if required).

In addition to the annual meeting, as an ongoing advice customer you can raise any needs or concerns and ask for interim meetings throughout the year, if needed.

If you'd like advice - where we give you a personalised recommendation - there will be a fee for this service. This will be based on a percentage of your investments and whether you need ongoing advice. Your initial meeting with your Adviser will be free and there will be no obligation for you to proceed with our service. In the initial meeting, your Adviser will be able to explain the fees to you in more detail.

Find out more about our fees and charges.

• Advice fees - fees can be paid by cheque, bank transfer or as a deduction from your initial investment or pension amount. Fees become payable when we provide you with our advice report. Following your initial free consultation, if you wish to proceed with our advice service for a safeguarded benefit pension transfer, we will require a non-refundable 30% deposit (excluding any potential VAT) before we begin any work on your behalf.
• Annual Financial Review service - payments will be made by deduction from the investment(s) and/or pensions we have advised on that are held with Fidelity Adviser Solutions.

If you’d like to know more, you can talk to our advisers about the different options. Contact us on 0800 222 550 for a free, no-obligation call. Our phone line is open 8:30am to 5:30pm from Monday to Friday. We’re available from 9am to 12:30pm on Saturday too. 

Yes, all advisers can advise across both your investments and pensions. If your pension needs are highly complex you’ll be partnered with a specialist adviser.

Yes, if you are investing to achieve specific goals. Once our adviser has provided you with your personalised investment strategy, Fidelity's investment experts will then manage your investments. Our Annual Financial Review service provides a more hands-on approach where your Adviser will meet with you annually or as needed, to discuss your objectives and circumstances (if they've changed) and review your investment strategy accordingly.