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FCA Regulated
Chartered Status
Whole of Market
5-Star Rated
Transparent Fees
First Equitable IFA services at a glance
Location: 3rd Floor, 14 Castle Street, Liverpool L2 0NE (also serving Chester & the North West)
Advice type: Independent, whole-of-market - pension recommendations from across the market, not one provider
Specialisms: Pensions and retirement planning, defined benefit and final salary transfers, investments and wealth management, inheritance tax and protection
Credentials: FCA regulated (FRN 782577), pension transfer specialist permissions, named adviser on every case
Getting started: Free initial consultation at our cost, with no obligation to proceed
Why choose a Liverpool-based independent adviser
A lot of firms that advertise Liverpool advice are actually run from other towns. We are here in the city, and we are happy to meet at our office, at your home or workplace, or over a video call if that is easier. We treat every client as an individual, take the time to understand what you are trying to achieve, and explain everything in plain English so you can make decisions with confidence.
The advice we provide in Liverpool
We advise on the full range of personal and business financial planning, with particular strength in pensions and investments.
Pensions and retirement planning is where many clients start. We advise on personal and workplace pensions, consolidating scattered pension pots into one manageable plan, pension drawdown and annuity purchase, so you have a clear, tax-efficient income when you stop working. See our retirement planning service for the full picture.
For wealth, we provide savings and investment advice and ongoing wealth management built around your goals and your attitude to risk, along with trusts and inheritance tax planning to help you pass wealth on efficiently.
We also arrange protection, including life cover, critical illness and income protection, and we advise business owners and company directors on planning that works for both them and their business.
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.
Pension and final salary transfer specialists
Regulated advice you can check
Regulated advice you can check
Getting advice is straightforward. Book a call or send us a message and we will arrange your free initial consultation at a time that suits you. We will listen first, understand your goals and circumstances, and then set out your options in plain English. If you decide to work with us, we build and implement your plan and review it with you over time as your life changes. You can see how we work on our process page.
Why choose First Equitable for pension advice in Liverpool
Chartered expertise
Chartered status is the gold standard in financial planning – your assurance of qualification, experience and ethics.
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
A dedicated adviser you can meet at our Castle Street office, by video, or over the phone — whatever suits you.
What our clients say
What our advice costs
We are upfront about fees because we would want the same. Your first consultation is free and carries no obligation. It is a chance to talk through your situation and decide whether we are a good fit before you commit to anything.
If you choose to go ahead, we agree any charges with you clearly in writing before work begins, so there are no surprises. Fees depend on the complexity of the work and whether you want a one-off piece of advice or an ongoing relationship, and we explain exactly what you get for them. You can read more on our charges page.
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.