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FCA Regulated
Chartered Status
Whole of Market
5-Star Rated
Transparent Fees
First Equitable at a glance
Coverage: Serving Chester and the wider North West — appointments locally by arrangement or by video
Advice type: Independent, whole-of-market — not tied to any provider
Specialisms: Pensions & retirement, investments & wealth management, inheritance-tax & estate planning, protection
Credentials: Chartered status · FCA regulated (FRN 782577) · 5-star client reviews
Getting started: Free initial consultation at our cost, with no obligation to proceed
Local, independent financial advice you can trust in Chester
We believe integrity and transparency are the foundation of every good client relationship. Using a plain-English approach, we cut through the jargon so you always understand your plan, what it costs, and why it is right for you. We take the time to get to know your goals and your circumstances, and treat you as an individual — not just a number.
Our wealth management services
Pension & Retirement Planning
The Whether retirement is decades away or just around the corner, we help you build a strategy to get there. Pensions advice, consolidation, drawdown and annuity purchase, all explained in plain English by a dedicated adviser.
Wealth Management
Growing your wealth is one thing, keeping hold of it is another. Independent, whole of market advice on savings and investments, wealth preservation, and trusts and inheritance tax planning, built around what you actually want your money to do.
Protection Planning
Life rarely gives notice. Life insurance, critical illness cover, income protection and private medical insurance, arranged so your family and your income are covered if the worst happens, without paying for cover you don't need.
Financial Planning for Business Owners
Running a business leaves little time for your own finances. We bridge the gap between the two, advising on company pension schemes, corporate savings and investments, and protection, working alongside your accountant and legal advisers.
Wills & Power of Attorney
Making your wishes clear now saves your family difficulty later. We help you put a valid will in place and set up a lasting power of attorney, so the right people can act if you no longer can.
Probate & Estate Administration
Administering an estate is daunting at the worst possible time. We guide executors through the grant of probate, settle debts and taxes, and distribute the estate properly, with a fixed quote agreed before any work begins.
Why choose First Equitable as your Chester IFA
Chartered expertise
Truly independent
Whole-of-market advice with no ties to any provider, so you get the right solution rather than an in-house one.
Plain English, always
We explain everything clearly so you feel informed and in control of your financial decisions.
Transparent fees
All charges are disclosed and agreed before any work begins — no surprises, no hidden costs.
Local and personal
What our clients say
What “Chartered” and “independent” mean for you
Being independent means we are not restricted to a limited panel of products. We assess solutions from across the whole of the market, which is particularly valuable when it comes to pensions, investments and inheritance-tax planning, where the right choice varies enormously from one person to the next. Together, Chartered and independent give you advice you can rely on.
Getting started is simple
1
Free consultation
2
Your tailored plan
We analyse your position using sophisticated planning tools and build a clear, personalised financial plan.
3
Ongoing partnership
We put the plan into action and review it with you over time as your life and the markets change.
Frequently asked questions
What does an independent financial adviser do?
How much does a financial adviser cost?
Do you advise clients in Chester?
Are you regulated and Chartered?
How do I choose a good independent financial adviser in Chester?
Do you offer a free initial consultation?
We do. We provide an initial consultation at our cost so you can ask questions and we can establish how we might help — with no obligation to proceed.