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
Retirement
Bereavement
Divorce
Passing on wealth
Receiving a lump sum
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. The adviser will also explain the advice fee structure during this initial discussion. You can then decide whether to proceed.
If you or your family are looking for long term financial advice, are aged over 18 and have a minimum of £100,000 (which can include pensions) to invest, call us on 0800 222 550.
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
Meet the team
Specialist advisers for retirement
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
2. Getting to know you
3. Discuss recommendations
What you can expect
Our advice service is designed for people looking to invest a minimum of £100,000 (which can include pensions), for more than 5-years.
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.
Our advice broadly falls into two categories:
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Savings and investing |
Retirement and pensions |
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Based on your needs your adviser could recommend a mix of products (and investments) for your personalised investment strategy. These products include Fidelity’s ISA, SIPP and Investment Accounts.
What you invest into is really important, whatever the account type you are using. We can advise on a range of investment options, all backed by Fidelity’s expertise in investing.
Our multi asset team is made up of over 100 investment professionals located across the UK, broader Europe, Japan and other parts of Asia. They've been managing multi asset funds for over 40 years, are research-driven and results-oriented and have assets under management of £46 billion as at 30 November 2024. The following all benefit from the investment expertise of our multi asset team.
Fidelity’s Discretionary Model Portfolio Service (Discretionary MPS)
Our Discretionary MPS provides a diversified approach to investing with seven risk-rated portfolios that are managed for you. Your adviser can recommend which of these portfolios is right for you. The portfolio managers will then actively monitor and make adjustments to the portfolio you hold so it matches the level of risk/reward you want to take. The Discretionary MPS is only available for those taking ongoing advice so your adviser can ensure it remains the right service for you.
Download our Discretionary MPS brochure
Fidelity's Multi Asset Range
When it comes to investing directly into funds we offer several ranges of multi asset risk-rated funds. These offer both active and passive management approaches as well as income producing funds.
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. For full details, please refer to our Terms of Business.
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 us a call?
Our advice service is designed for people aged over 18, 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. The adviser will also explain the advice fee structure during this initial discussion. You can then decide whether to proceed.
Call us on 0800 222 550 to set up an appointment. Our phone lines are open from 8:30am to 5:30pm Monday to Friday and 9am to 12:30pm Saturday.
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.
Financial advice FAQs
We offer advice on your investments and pensions so you’re more prepared for what your future holds and your future retirement.
- Planning for retirement
- Saving and investing
- Looking into later life income options
- Protecting your wealth and exploring how to pass it on to loved ones
Our advisers can also help you review your current arrangements to consider if they’re working for you or help you to decide if you should consolidate your existing pension schemes into one.
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.
We believe in providing great value for money. Your financial adviser will talk through the charges based on the level of advice you need.
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.
It depends on your personal circumstances and what you’re looking to achieve. However, planning and investing for your future sooner rather than later can help you reach your financial goals, whether that’s for your children, retirement or other expected and unexpected life moments.
To use Fidelity’s advice service, you’ll need a minimum of £100,000 to invest (which can include pensions) and you are looking to invest for more than 5-years.
During your free, no-obligation initial meeting your financial adviser will outline our services and fees and agree whether our service is right for you.
If you decide to proceed, they’ll discuss your financial goals, personal circumstances and your attitude towards investment risk, to help build a picture of your needs and the things that are important to you.
They’ll use this assessment to determine your priorities, carry out any technical analysis and research if required, before making their recommendations.
If you choose to take ongoing advice your dedicated adviser will invite you to an annual review meeting where you can discuss your objectives if they've changed and review your investment strategy. Your adviser will then present you with your Annual Review report and its recommendations (if required).
In addition to the annual meeting, as an ongoing advice customer you can raise any needs or concerns and ask for interim meetings throughout the year, if needed.
If you'd 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.
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Advice fees - The initial advice fee can be paid by cheque, bank transfer, or by deduction from the investment, pension or trust assets. Where possible, we may be able to deduct the fee from any other product or cash implemented on the Fidelity Adviser Solutions platform as agreed with your adviser.
It is important to note that the advice fee relating to a pension with safeguarded benefits is always payable, even where we recommend it is not in your best interests to transfer. In the event we recommend you retain a safeguarded benefit pension scheme, VAT of 20% will be applied to the amount of the advice fee related to this advice. - Annual Financial Review service - payments will be made by deduction from the investment(s) and/or pensions we have advised on that are held with Fidelity Adviser Solutions.
If you’d like to know more, you can talk to our advisers about the different options. Contact us on 0800 222 550 for a free, no-obligation call. Our phone line is open 8:30am to 5:30pm from Monday to Friday. We’re available from 9am to 12:30pm on Saturday too.
Yes, all advisers can advise across both your investments and pensions. If your pension needs are highly complex you’ll be partnered with a specialist adviser.
Yes, if you are investing to achieve specific goals. Once our adviser has provided you with your personalised investment strategy, Fidelity's investment experts will then manage your investments. Our Annual Financial Review service provides a more hands-on approach where your adviser will meet with you annually or as needed, to discuss your objectives and circumstances (if they've changed) and review your investment strategy accordingly.
What if advice isn't right for me now?
Our advice service is designed for people looking to invest for more than 5-years 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
Choose investments
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.
