Finding the right financial adviser can feel daunting, especially when your money, family and future are involved. If you live in Warwickshire, the good news is that there are plenty of advisers to choose from. The challenge is knowing how to find one who is trustworthy, qualified and a good fit for you. 

Start by understanding what you need help with 

Before you begin your search, it’s worth taking a moment to clarify what kind of financial advice you’re looking for. Different advisers may specialise in different areas, such as: 

• retirement planning and pensions 

• investments and wealth management 

• inheritance tax and estate planning

• mortgages and protection

• financial planning for business owners

Having a clear idea of your goals will make it easier to find a financial adviser in Warwickshire who has experience in the areas that matter most to you. 

 

Check that the adviser is authorised and regulated 

This step is essential. Any financial adviser you consider should be authorised and regulated by the Financial Conduct Authority (FCA). This protects you and ensures the adviser meets strict professional standards. 

You can check an adviser or firm on the Financial Services Register. This will confirm: 

• whether they are regulated 

• what types of advice they are allowed to give 

• their contact details 

If an adviser is not on the register, it’s best to walk away. 

 

Look for local knowledge in Warwickshire 

Choosing a local financial adviser in Warwickshire can have real advantages. A local adviser is more likely to understand regional property markets, local businesses and the needs of people living in towns and villages across the county, from Warwick and Leamington Spa to Stratford-upon-Avon and Rugby. 

Working with someone nearby also makes it easier to meet face to face, which many people still value when discussing important financial decisions. We’re based in Leamington Spa, easily accessible from various locations. 

 

Understand the difference between independent and restricted advisers 

When researching how to find a financial adviser, you’ll often see the terms “independent” and “restricted”. 

• Independent financial advisers like us can recommend products from the whole of the market and must consider a wide range of options. 

• Restricted advisers can only recommend certain products, providers or types of solutions. 

Neither option is automatically better, but it’s important to understand which type of advice you’re receiving and why. A good adviser will clearly explain this upfront. 

 

Ask how the adviser is paid 

Financial advisers can be paid in different ways, including: 

• a fixed fee 

• an hourly rate 

• a percentage of the money you invest 

A trustworthy adviser will be transparent about costs and explain exactly what you’ll receive in return. Don’t be afraid to ask for a clear breakdown of fees before you agree to anything. 

 

Look at qualifications and experience 

Financial advice is complex, so qualifications matter. Most advisers will hold at least a Level 4 diploma in financial planning, and many go on to achieve higher-level or specialist qualifications. 

Experience is just as important. Ask how long the adviser has been working in financial services and whether they regularly help clients with situations similar to yours. 

 

Read reviews and ask for recommendations 

Online reviews can be a useful way to get a feel for a financial adviser’s reputation. Look for consistent feedback that mentions trust, clarity and long-term relationships. Personal recommendations can also be valuable.  

 

Book an initial meeting and trust your instincts 

Your initial free consultation is your chance to ask questions, explain your goals and see whether the adviser is a good fit. 

 

Choosing a financial adviser you can trust 

Knowing how to find a financial adviser in Warwickshire is about more than ticking boxes. It’s about finding someone you feel comfortable working with over the long term, who understands your goals and puts your interests first. 

At Simpson Financial Services, we believe financial advice should be clear, friendly and built around you. If you’re looking for a local financial adviser in Warwickshire and would like an initial conversation, we’re always happy to help. 

Get in touch