Independent Advice for Retirement and Investing
Giliker Flynn Independent Wealth Ltd helps you turn pensions and investments into a personalised retirement plan with clarity and care.
Free Consultation
Who We Are
Giliker Flynn provide independent, unbiased retirement advice, with a sole focus on achieving the best outcomes for our clients, whilst providing excellent service along the way. We acknowledge that although this part of our website is 'About us', everything that we do is very much 'About you'.
Our approach is to create a relaxed friendly environment and build strong relationships based on trust and confidence. We manage your expectations, explain our recommendations in a way you fully understand, and ensure you feel completely comfortable and confident with the decisions that you make.
We are regulated and authorised by the Financial Conduct Authority, and have been awarded the Chartered status, which is something we are particularly proud of.
Our Story
The business was originally set up in January 2015 by Frances Giliker and Chris Flynn. They are husband and wife and work within the business alongside the rest of our passionate team.
The clients that we typically help and provide most value for, are people that have existing pension provision and are either thinking about retiring, approaching retirement, or are at their retirement date. We also advise clients with investment plans to help their money work harder for them over the longer term.
Our Head offices are based in the West Midlands in Newcastle under Lyme, Staffordshire, and our services benefit clients from across the whole of the United Kingdom.
Charity Work
In addition to being passionate about doing a great job for our clients, we also support a children's charity called the Peter Pan Centre based in Staffordshire. They specialise in helping children with special needs have the best possible start to life.
The whole team all play an active part in supporting the charity which has included running marathons, organising golf days and charity auctions, along with other fundraisers and making donations.
Our Approach
Our approach is to create a relaxed friendly environment and build strong relationships based on trust and confidence. We manage your expectations, explain our recommendations in a way you fully understand, and ensure you feel completely comfortable and confident with the decisions that you make.
We Simplify the Choices
Understand your pension options without the overwhelm.
Highlight Key Risks
See potential pitfalls before making decisions.
Balanced Strategies
Get recommendations that blend flexibility with guaranteed income.
Client Journey
Our typical client journey follows these five clear stages:
Initial Consultation
Fact finding to establish your circumstances and objectives.
Financial Review & Due Diligence
Obtain and review all existing plan information.
Recommendation Presentation
Our recommendations will be explained to you in a way you fully understand.
Advice Implementation
We arrange and implement the recommended plan.
Optional On-going Servicing
Once your plan has been incepted, should you opt for our on-going servicing, you will qualify for annual reviews.
Our Fees
Transparent pricing with no hidden costs
We charge a 'one off' initial fee to provide you with independent advice.
However, before committing to any fee, we offer you a free initial consultation meeting, to help you understand more about who we are, have meaningful discussions about the options available, and agree which way we move forward. We also put a summary of our terms and your objectives together in writing. This prevents any confusion and enables you to feel completely comfortable before making any commitments.
Initial Advice Charge
Our fee structure is tiered, and reduces in percentage terms if your plan value is more than £200,000.
| Plan Value | Fee % | £200k Example | £500k Example | £900k Example |
|---|---|---|---|---|
| £0 to £200,000 | 2.00% | £4,000.00 | £4,000.00 | £4,000.00 |
| £201,000 to £500,000 | 1.00% | - | £3,000.00 | £3,000.00 |
| £501,000 to £1 million | 0.5% | - | - | £2,000.00 |
| £1 million+ | Bespoke fee calculated | |||
| Total Fee | £4,000 (2%) | £7,000 (1.4%) | £9,000 (1.00%) | |
Optional On-going Servicing Charge
1% Maximum annual servicing fee.
We have a Silver / Gold / and Platinum service level for you to choose from.
Each service level is capped at a maximum annual fee.
Please note: Whilst we appreciate the opportunity to try and help every client that contacts us, we have a minimum charge for different types of advice. Therefore, for some clients with relatively small plan values, it may not be cost effective to receive advice from us.
For other non-typical advice requirements, we will quote a bespoke fee to help you understand the cost for any work involved.
How We Help Clients
Build a bespoke retirement plan to meet your objectives
Calculate affordability so you know when you can retire
Explain every pension option in plain language
Optimise withdrawals for tax efficiency