Personal Financial Advice

Helping you build a secure and prosperous future

Planning your future is a disciplined process. Today, more than ever, it requires an in-depth understanding of the economy, legislation and regulation. We offer all of this as part of our service.

We believe successful financial planning enables you to take control of your finances. One of the most important things we do for our clients is listen. Only by getting to know you, your ambitions and your concerns, can we truly help you to achieve the things you want from life.

Perhaps you want to set aside money for your child’s education, or pay for a wedding. You might want to start a business, take that round-the-world trip, or maybe you simply want to grow and protect your wealth and ensure a healthy income for retirement.

An independent financial adviser will look at your short, medium and long-term goals and work with you to help you reach them. You may even find you have financial needs you’ve not yet considered. An adviser’s professional experience can help address them for you.

For personal clients, we offer two levels of ongoing review service as well as an administration-only service:

Proposition 1: Level 1 Review Service

You would like your portfolio reviewing on a six-monthly basis and would also like the opportunity to discuss more regularly where circumstances dictate. You may also have complex tax issues which you would like reviewing, possibly with regards to inheritance tax or lifetime allowance issues with regards to your pension assets. You may also like to view your information securely online and store any important documentation in a secure environment.

Proposition 2: Level 2 Review Service

You would like your portfolio reviewing on an annual basis. You may not consider yourself to be an experienced investor or feel you have limited knowledge and experience and would still like things explained to you. At your review, we will consider any adjustments that may be required for your goals and objectives to remain on track. You may also like to view your information securely online and store any important documentation in a secure environment.

Proposition 3: Administration-Only Service

Whilst you do not require the formality of an annual review, you are at a stage in your life that requires you to accumulate capital towards a longer-term goal. You would like online access to the policy information we hold for you and to enable you to update your personal information. No ongoing advice is provided with this service, however, you would like us to be available to discuss your plans on an initial advice service, pay-as-you-go basis. (A monthly fee applies for this service).

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“Both myself and my business partner Andrew have used Wealthcare for a number of years now and cannot recommend them highly enough. They’ve arranged plans which protect us in several areas including life insurance, critical illness and key man cover, Stephen also organised for a shareholders’ agreement to be put in place for extra peace of mind.”

Paul & Andrew, Bolton - Business Client
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"Excellent service, went through my requirements and provided exactly what I needed quickly and the whole process was easy and well managed."

Ritesh, Bolton - Personal Client
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“It wasn’t hard to choose Wealthcare from the list of brokers eager to win our business. From the very start, they sought to understand our company’s particular needs and (importantly) how I choose to work. They listen and deliver. Available to discuss any query, they are friendly, easy to communicate with, responsive, and always looking to go the extra mile to meet our expectations. How could I do anything other than heartily recommend this excellent organisation.”

GHF, Manchester - Business Client
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"Wealthcare helped me source a mortgage as a first-time buyer and also arranged my mortgage protection at the same time, they were extremely helpful and made the process of these much easier than if I had tried to arrange both on my own."

Sarah, Bury - Personal Client
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“The Healthcare team have been a pleasure to deal with as they have made the process of sorting out and managing our PMI straightforward and simple. The Admin staff are very knowledgeable and will always go the extra mile.”

David, Cheshire - Business Client
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“Wealthcare are a pleasure to work with. Sally and Stephen are extremely helpful, making any claims or renewal process much simpler for us, responding timely to any queries we have and liaising on our behalf with the insurers to expedite any claims, enquiries or changes to our policies as required.”

Tamara, Manchester - Business Client
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“My wife and I are now both retired and have relied on Wealthcare for guidance and advice on pensions, our investments and on a wide range of financial issues. We have never been failed and the advice has always been prompt, reliable, professional and, equally as important, explained in non financial jargon thereby making understanding so much simpler.”

Derrick & Shirley, Whitefield - Personal Clients
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"My wife and I have dealt with Wealthcare since the mid 1990’s. We have found the professionalism, and more importantly the personal touch excellent. Each member of their team shows the same attributes."

Phillip & Patricia, Chester - Personal Clients
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"Martin helped me to feel confident about doing Equity Release as he explained how it would work and gave clear advice as to both the benefits and the risks involved. His relaxed and friendly manner made me comfortable to talk about my personal situation and he kept me informed throughout the whole application process."

Dawn, Oldham - Personal Client
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"I have been using Wealthcare for all my financial advice for the last 6 years. I have found all the team extremely helpful and approachable to any requests I have made, and they supply me with regular updates outside of my annual review. My requests are dealt with promptly and professionally whilst at the same time giving me a specific level of service to meet my needs. I would have no hesitation in recommending their services to anyone who is looking for financial advice."

William, Telford - Personal Client

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