pensions planning

financial advisor

independent financial advisor

financial adviser

independent financial advice

financial advisor

free financial advice

equity release

pension advice

pension adviser

pensions adviser

financial planning

Call us FREE on 0800 5200 817

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Financial Advisor

Tim Sands MCSI 

Financial Advisor

(North West)

Our network of local advisors have helped 28,947 people

All our advisors are registered with the Financial Conduct Authority


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"Those who receive financial advice are on average £40,000 better off than those who don’t"


 Types of advisors

Swift response

Initial advice is free

  • IFAs offer a full range of financial products and are not tied to specific providers. A 'Restricted Advisor' may be limited to fewer options, but they may offer preferential rates.
  • Both advisors hold the same qualifications and will make any affiliations known. 
  • IFA Direct Home will connect you to a local Financial Advisor who will make contact the same day or within 24 hours.
  • Choose a telephone or face-to-face appointment.
  • The first consultation is always free and lasts around an hour. 
  • This is a fact-finding exercise to find out what you need and how the advisor can help.
  • No hidden fees and no surprises. Your Financial Advisor will outline any costs during the initial consultation. This leaves you free to make an informed choice before committing.

Transparent pricing

Pension review

Retirement income planning

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No two pensions are the same. Make sure your fund is not being eaten by charges or worse yet losing money. 

An IFA  will look at your fund, chart its performance and investigate better options. 

When it comes to pensions the faster you act the more you can earn. 

Inheritance tax planning

Legislation surrounding inheritance tax changes often. An IFA can help you avoid paying more than you need to on your estate.

There are a number of simple step you can take to take advantage of the law and reduce the amount of inheritance tax you'll pay.

A simple review may be all that's required to assess or re-assess your estate's position.

No investment is risk free. There are many factors to consider when it comes to investing. You'll need to consider what stage of your life you're at, how much money you have to invest and what level of risk you're prepared to accept.

An IFA  can help you decide where to draw your lines. They'll look at all the elements and consider your ambitions before advising you on what route to take.

Investments and  savings

The laws surrounding pensions changed in 2015. You can now withdraw funds held in your pension fund when you reach the age of 55.

These are not decisions to be taken lightly and it's always prudent to seek the appropriate advice before taking action.

There are numerous ways to make the most from this new legislation. An IFA can advise you on the ins and outs.

While IFA Direct Home take every care in making their recommendation, any contract or agreement is between the selected financial advisor and the client. IFA Direct Home cannot be held liable for any failure on the part of either of the parties concerned. We provide access to both fully Independent Financial Advisors (IFAs) and Restricted Advisors and refer to both types of advisors as a 'Financial Advisor' throughout this website. Both types of advisors provide 100% unbiased financial advice. This means that in the event the advisor is unable to provide a better product then the advisor's recommendation would be to do nothing. IFA Direct Home is not authorised or regulated by the FCA.

Any questions? Talk to us on 0330 0882 707 / 0800 5200 8177. Lines are open Mon-Fri: 9:00am - 4:30pm. 

RMT Group Limited, trading as IFA Direct Home, is licenced by the H.M. Government of Gibraltar for the provision of generating online financial services leads. License number BL160240. RMT Group Limited registered office is at Suite 3, Second Floor, Icom House, 1/5 Irish Town, Gibraltar GX11 1AA, with registered company number 112738. Copyright 2015 RMT Group Limited. All Rights Reserved.

If you are an Independent Financial Advisor or Restricted Advisor and would be interested in working with us. Click here to find out more.