Personal financial advice
If you're looking for personalised financial advice for that next level of support, our financial advisory service can help.
Important information - please remember that the value of investments, and the income from them, can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future.
Are you financially ready for life's twists and turns?
Life happens. Both the good and the bad. The planned and the unexpected. If you want to make the most of your money, our financial advisers can help. So, if you're someone who needs help with investing or has complex finances to juggle, they'll help you make better sense of it all - freeing you up to enjoy life, with one less thing to think about.
Building wealth
'How can I manage my investments better? For myself? For my children? For my retirement?'
Retirement
'I've worked hard to build up my pension pot and now my retirement's not far off. I'm wondering what are my income options?'
Bereavement
'My partner passed away. I feel a bit lost when it comes to my finances. Where do I start?'
Divorce
'I've recently divorced. I need to think about my future and put my savings to better use. What should I be thinking about?'
Passing on wealth
'I'm thinking about the future. How can I best provide for my loved ones when I'm gone?'
Receiving a lump sum
'I’ve received an inheritance and want to invest it. What should I do with it?'
Why not see if advice is right for you? At this stage, it's just a chat. There's no commitment (and the initial conversation is free) so you've nothing to lose.
If you or your family are looking for long term financial advice, are aged between 18-79 and have a minimum of £100,000 (which can include pensions) to invest, call us on 0800 222 550 or request a call back.
How our financial advisers can help
They'll listen. They'll understand your needs. And they'll make the complex seem simple with a personal recommendation that takes your financial and life goals into account.
Financial advice personalised to your needs
Our advisers will spend time getting to know you, before coming up with a financial solution. We can advise on a range of investment options, all backed by Fidelity's expertise in investing.
Meet the team
Your Adviser will be with you every step of the way, listening to your life plans. It's this level of understanding that allows them to provide a recommendation that's truly in line with your needs.
Specialist advisers for retirement
This is a highly complex area. Your Adviser will draw on specialist pension transfer and planning expertise as and when you need it.
Steps to taking financial advice
There's no need to rush into anything. We take everything in stages to make sure you're comfortable with what happens next.
1. Free initial discussion
It’s free. You don’t need to commit to anything at this stage. It's just an informal chat to see if you'll benefit from financial advice. What have you got to lose? Call us on 0800 222 550.
2. Getting to know you
If you feel advice and the fees are right for you, we'll take a deeper look at your circumstances and goals. Our advisers will then keep in touch while carrying out research and analysis.
3. Discuss recommendations
Our advisers will discuss your personal report and recommendations with you. Once you're happy, we’ll put the recommendations in place for you.
What you can expect
Our advice service is designed for people looking to invest a minimum of £100,000 (which can include pensions), for the long term.
Here's a brief summary of our services. For full details, please refer to our Terms of Business
During your initial meeting with your Adviser they’ll help you decide if you need advice for an immediate financial need or ongoing advice. With ongoing financial advice your Adviser will meet with you annually (or when required by you) to re-visit your objectives and circumstances and review your investment strategy if needed. Ongoing advice customers also automatically qualify for Wealth Management benefits.
Clear and straightforward pricing
First, there's the free, no-obligation meeting to find out if you could benefit from our advice service. We then make sure that you understand the fees that apply to you, so you always know what to expect.
Get in touch
If you're ready to see how a financial adviser can help you or your family make the most of your money, why not give is a call?
Our advice service is designed for people aged between 18-79, who are looking for long term financial advice and have a minimum of £100,000 (which can include pensions). The first discussion is free and simply to see if advice is right for you.
Call us on 0800 222 550, or request a call back from a member of the team at a time that suits you. Our phone lines are open from 8:30am to 5:30pm Monday to Friday and 9am to 12:30pm Saturday.
Request a call backFor Wealth Management customers who want to talk about advice, contact your Relationship Manager or call the Wealth team on 0800 222 456 to discuss your options in more detail.
Financial advice FAQs
What if advice isn't right for me now?
Our advice service is designed for people looking to invest for the long-term with a minimum of £100,000 to invest. If that's not the case for you, there are plenty of other ways to invest in a tax-efficient way with Fidelity - including our award-winning ISA and SIPP.
Find an account
Answer a few simple questions to discover which account is right for you.
Choose investments
With thousands of funds, shares, exchange-traded funds and investment trusts on offer, we can give you some options to get you started.
Advice isn't for everyone. It's best taken when you have significant sums to invest (by that we mean over £100,000) as it's a service you pay for.
Our advice broadly falls into two categories:
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Savings and investing |
Retirement and pensions |
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Ongoing advice
If you take ongoing advice, you'll have an annual review with your Adviser to check their recommendations continue to reflect your goals and circumstances. You'll also automatically qualify for Wealth Management benefits.
Your personal financial strategy could include a mix of any of the following products or investments:
- Stocks and shares ISA, Self-Invested Personal Pension, Junior ISA, Junior SIPP or Investment Account
- Multi asset funds
- A managed portfolio from our Discretionary Portfolio Management (DPM) service
- An annuity
Our investment solutions draw on expertise from around the world.
Certain products - such as a managed portfolio from our DPM service - will require you to commit to ongoing advice.
Our advice fees
Investing through an adviser could help make your money work harder for you and provide peace of mind about important investment decisions.
You might need investment advice for an immediate financial need or ongoing advice.
Ongoing advice is provided through our Annual Financial Review service for a fee. Your Adviser will meet with you annually (or when required by you) to re-visit your goals and circumstances and review your investment strategy, if needed. Ongoing advice customers also automatically qualify for Wealth Management benefits.
We structure our fees according to the advice you require. In the initial meeting, your adviser will be able to explain the fees to you in more detail.
Examples of our advice fees are shown below.
| Fees and charges | Example | |
|---|---|---|
| Investment advice - for investments in SIPP, ISA and Investment Accounts |
1% of the investment amount subject to a minimum fee of £1,000 and maximum fee of £10,000. Where advice is being provided at the same time to a spouse or partner, and/or for investments for minor children or grandchildren, the value of the total investment will be used to calculate the advice fee. If you have taken advantage of our ongoing advice service there is no additional fee for investing new money using your annual ISA, JISA or pension allowances; increases of regular contributions or moving previously-advised invested money between products e.g. from your Investment Account to your ISA or SIPP. |
You would like advice on the most suitable way to invest £250,000. Our investment advice fee will be 1% of the investment amount = £2,500. In this instance no VAT applies. |
| Ongoing advice through our Annual Financial Review service | 0.5% pa of the value of the investment and/or pensions. This is payable monthly in arrears as 1/12th of the annual charge. The monthly amount you pay would increase or decrease based on the average of the daily closing price of the investment over the preceding month. The charge is deducted automatically from your investment and/or pension. |
Assuming you had invested £250,000 as shown in the advice fee example above and you wished to take advantage of our Annual Financial Review service: If the average monthly investment value is £250,000 the fee would be £1,250 pa. If your investment grew to an average monthly value of £300,000 the fee would be £1,500 pa (or an average monthly amount of £125). |
VAT
VAT, at the standard rate (currently 20%), is generally applicable when you receive advice where no recommendation or implementation of a VAT exempt product is intended or conducted.
Written confirmation of fees
We will provide a written quotation of our fees and whether any VAT is applicable before we begin work for you. As investment values may change whilst we are undertaking the advice work, we will reconfirm the fee on presentation of the recommendations when our fee is based on a percentage (%) of the value we are advising upon.
The fee for advice becomes payable when we send you your report. Initial advice fees (which exclude ongoing advice) can be paid by cheque, bank transfer, or by deduction from an investment held with Fidelity Adviser Solutions.
For full details of our service, please refer to our Terms of Business
To talk about your options and for a free, no-obligation discussion about your advice needs, call us on 0800 222 550. Alternatively, simply request a call back from a member of the team.
Fidelity’s advice service is provided by FIL Wealth Management Limited, authorised and regulated by the Financial Conduct Authority (Firm reference number is 464968). Fidelity Wealth Management is a trading style of FIL Wealth Management Limited.
