Independent · Whole-of-Market · Liverpool

Investment advice in Liverpool

First Equitable provides independent investment advice from our office on Castle Street in Liverpool. We look at what you already hold, what it costs and how it is taxed, then recommend from across the whole market to build a portfolio around what your money is actually for. Advice starts with a free consultation at our cost, fees are agreed in writing before any work begins, and there is never a minimum contract.

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FCA Regulated

Chartered Expertise in Our Team

Whole of Market

5-Star Rated

Transparent Fees

First Equitable investment advice at a glance

First Equitable is an independent, whole of market firm of financial advisers, authorised and regulated by the Financial Conduct Authority under firm reference number 782577, with Chartered expertise within the team.

Location: 3rd Floor, 14 Castle Street, Liverpool L2 0NE, serving Liverpool, Merseyside, the Wirral and the North West
Advice type: independent and whole of market, recommendations from across the market rather than one provider
Specialisms: portfolio reviews, ISAs and general investment accounts, lump sum investing, and investment income
Credentials: FCA regulated, firm reference number 782577, a named adviser on every case, and we never hold client money
Getting started: a free initial consultation at our cost, with no obligation to proceed

What our investment advice covers

Portfolio reviews

We look at everything you hold, what you pay in total and how much risk you are really taking. The first finding is often money in the wrong wrapper, or paying more than it needs to.

Investing a lump sum

An inheritance, a property sale or a redundancy payment. We work out how much to keep accessible, how much to invest, which wrappers to use and whether to invest it all at once or in stages.

ISAs and investment accounts

Making full use of your £20,000 ISA allowance each year, moving existing holdings into ISAs over time, and keeping taxable gains and dividends as low as the rules allow.

Pension investments

How your personal pension or SIPP is invested, and whether that still suits the date you plan to retire. Pensions are often the largest investment people own and the least reviewed.

Income from your investments

Taking a regular income in the most tax efficient order across ISAs, pensions and other accounts, and at a rate your portfolio can sustain for as long as you need it.

Ongoing management

An optional ongoing service from 0.3% a year, covering annual reviews, rebalancing and changes as your life does. You can cancel at any time, with no exit fees.

Who we typically help

People with pensions, ISAs and savings spread across several providers and never reviewed together
Anyone who has received, or is about to receive, a significant lump sum

Business owners building wealth outside their company

People approaching retirement who need their investments to move from growth towards income
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How our investment advice works

1. Free first consultation

We talk through what you have, what you want the money to do and whether we can add value. No charge and no obligation.

2. Understanding your position

We gather the detail of your existing investments and agree the level of risk you are comfortable with and can afford.

3. Written recommendation

You receive a clear report setting out what we recommend and why, including the costs, before anything happens.

4. Putting it in place

We handle the paperwork and transfers, then review with you as often as you choose.

Why independent advice matters for your investments

Every regulated adviser in the UK is either independent or restricted. A restricted adviser can only recommend from a limited range, sometimes one provider’s own funds. An independent adviser must consider the whole of the market and recommend what suits you, whoever provides it.

That matters most when the right answer is inconvenient, such as a product from a company we have no ties to, or leaving your money exactly where it is. On investments and pensions we are fee based, so what we are paid never depends on the product you end up holding.

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IFA Liverpool

What investment advice costs

Your first consultation is free and at our cost. If you ask us to go further, every fee is confirmed in writing before any chargeable work starts.
A fixed initial fee for your financial planning report
A percentage of the portfolio we implement, on a tiered scale that falls as the value rises
Couples advised together are treated as one combined value, often lowering the rate for both
Optional ongoing service from 0.3% a year, cancellable at any time
No minimum contract and no exit fees

The full breakdown is on our charges page.

The allowances and protections worth knowing

The figures for the 2026/27 tax year.
Allowance 2026/27
ISA allowance £20,000 a year across all ISAs
Pension annual allowance £60,000, tapering for the highest earners to £10,000
Capital gains tax exemption £3,000, with gains taxed at 18% or 24%
Dividend allowance £500, with rates of 10.75%, 35.75% and 39.35% from 6 April 2026
Personal savings allowance £1,000 basic rate, £500 higher rate, nil additional rate

Cash deposits are protected by the Financial Services Compensation Scheme up to £120,000 per person per authorised firm, for failures on or after 30 November 2025, up from £85,000. Investments are protected up to £85,000 per person per firm if a regulated firm fails, but not against falls in value.

Regulated advice you can check

First Equitable (UK) Ltd is authorised and regulated by the Financial Conduct Authority, firm reference number 782577, company number 09910371. You can check us on the Financial Services Register and you have access to the Financial Ombudsman Service. More on our regulation page.

The value of investments can fall as well as rise and you may get back less than you invested.

Investment advice FAQs

How much do I need to invest to get advice?
It depends on what you want to achieve rather than on a single number. The free first consultation is there to work out whether we can add value in your circumstances, and we will say plainly if we cannot.
What is the difference between an independent and a restricted adviser?
An independent adviser must consider the whole of the market. A restricted adviser can only recommend from a limited range, sometimes one provider’s products. First Equitable is independent.
Should I use my ISA or my pension first?
It depends on your tax position and when you need the money. A pension gives tax relief now but is locked until at least 55, rising to 57 in 2028. An ISA gives no relief but you can access it at any time.
Do you hold my money?
No. First Equitable never handles client money. Your investments are held with the provider or platform, in your own name.
Can I stop the ongoing service later?
Yes. Ongoing service is optional, starts from 0.3% a year and can be cancelled at any time. There is no minimum contract and there are no exit fees.

Find out if your money is working as hard as it should

The first conversation is free, at our cost, with no obligation to go further.

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