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Personal financial advice

Fidelity’s financial advisers can provide you with a personal financial strategy to help you achieve your investment goals.

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.

Financial advice personalised to your needs

We appreciate that your financial situation and needs are unique. You might want financial advice for a one-off event; or, you might need more complex advice with ongoing support. Our financial advisers can provide a personal financial strategy that draws on a range of investments and accounts tailored for you.

We can advise you on a range of financial matters, whether you’re planning for your retirement, saving and investing, looking into later life income options or protecting your wealth and exploring how to pass it on to your loved ones. Perhaps you’re reviewing your current arrangements to consider if they’re working for you, or maybe you’re wondering if you should consolidate your existing pension schemes into one.

Whether you’re clear about your financial goals, or need a little steer, the starting point is the same… a conversation. 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.

Why choose Fidelity financial advice?

Flexible and easy

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.

Clear and simple pricing

We believe in providing great value for money. Your financial adviser will talk through the charges based on the level of advice you need. You can find examples of our advice fees and charges below.

Investing experience

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.

How does Fidelity’s financial advice service work?

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You talk, we listen

In a no-obligation meeting we’ll listen to your needs, explain our financial advice services and costs and you can then decide whether to go to the next step.

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Getting to know you

If you proceed, we’ll explore your current financial arrangements and what you want out of life (so you may want to bring someone from your family along) and make a recommendation that works for you.

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Personal advice

Our advisers will keep in touch while carrying out research and analysis before discussing your personal report and recommendations. Once you’re happy, we’ll put the recommendations in place for you.

For many, these are the initial steps in a journey that can span a lifetime. We can review your situation annually to check it’s still right for you. Along the way, we’ll help keep you on track and informed, reviewing and recommending any updates that may be needed to take into account life changes.

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We aim to build better financial futures

Fidelity is a privately owned, leading international financial services company and we’ve been delivering world-class investment solutions for over 50 years, to institutions, individuals, and their advisers.

Read more about us

Pension Transfer Gold Standard

If you’re in need of retirement support, we can help. We adopt the voluntary Gold Standard of good practice when advising on safeguarded or defined benefit pension transfers (pensions with guarantees). Nine principles underpin the Standard and are designed to be a framework for firms to deliver good quality advice.

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Get in touch

If you're interested in finding out more, we can discuss your advice needs over the phone, in person, or face-to-face by video conference, depending which is most appropriate at the time. Contact us on 0800 222 550 for a free, no-obligation call. Our phone line is open 9am to 5.30pm from Monday to Friday. We’re available from 9am to 2pm on Saturday too. Alternatively, you can request a call back from us by filling in the form below. 

For 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.

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.

If you would 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.

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 or JISA allowances; increases of regular contributions or moving previously-advised invested money between products. e.g. from your Investment Account to your ISA or SIPP

Other

Ongoing review service 0.5% of the amount invested (payable monthly in arrears and 
deducted automatically from your investment)
VAT may be payable in addition to these fees - please see below


The fee for advice becomes payable when we send you our report.

Initial advice fees can be paid by cheque, bank transfer, or by deduction from an investment on the FundsNetwork platform.

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. 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. 

Examples of our advice fee

Example 1

Example 2

You would like advice on the most suitable way to invest £250,000 and would like to take advantage of ongoing reviews. Our initial advice fee will be 1% of the investment amount = £2,500.

Our ongoing review fees will be 0.5% of the value of the investment. This fee is deducted automatically monthly in arrears from your investment. Based on an investment value of £250,000 the annual review fee would be £1,250. If your investment grew to a value of £300,000 the annual review fee would be £1,500. The amount you pay would increase if the value of your investments increases.

No VAT applies.

You would like advice on the most suitable way to invest £250,000. Our advice fee will be 1% of the investment amount = £2,500.

No VAT applies.

 

 

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.

What else we have to offer

From our award-winning Stocks and Shares ISA and Self-Invested Personal Pension (SIPP) to thousands of funds, shares and ETFs, you can browse all our accounts and investment options to find what you’re looking for. If you need a little bit of help on deciding how to invest, you’ll also find a comprehensive selection of tools too.

Show me accounts and investment options
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Financial advice FAQs

How do I pay for advice?
Is financial advice worthwhile?
Will Fidelity manage my financial investments after I've been given advice?
Do I need a lot of money to get financial advice?
What financial services do Fidelity provide?

Fidelity’s advice service is provided by  FIL Wealth Management Limited, authorised and regulated by the Financial Conduct Authority (Financial Services Register number 464968). Fidelity Wealth Management is a trading style of  FIL Wealth Management Limited.