Independent investment advice
Whether it’s getting more from an existing investment plan, investing your 25% tax-free pension lump sum or giving advice on your accumulated savings pot, our independent investment advice will help you work out the wisest places to put your money.
Book Your Free Initial Consultation*Your first consultation is free if you meet the qualifying fund threshold.
Advice shaped around you
Investing up to (and possibly throughout) retirement can help maintain the real value of your finances, allowing you to consider investing in the important things - whether that’s booking once-in-a-lifetime experiences or helping with your child’s education costs.
Whatever your goal, our expert and impartial FCA-regulated financial advisers will advise and provide guidance on the most suitable solutions available from across the whole of the market. This could include:
Reviewing existing ISAs, bonds and investment accountsExploring where best to invest a lump sum (tax-free cash, inheritance, or sale proceeds)Matching your investments with your attitude to riskSelecting across whole-of-market fund products completely independently and impartiallyHighlighting ethical or more responsible investing optionsEnsure you are taking the correct investment strategy to match your circumstancesOffering ongoing reviews (as an optional additional service)Unrestricted and impartial
We are unrestricted and impartial, with no ties to any provider. Both CII Chartered and FCA-approved (FCA 1015743), we can research and pick from across the market, with expertise and insight, choosing the best investment option to fit your goals.
Clients tend to approach our financial investment advice service to review existing investment plans and get help across Share ISAs, Investment Bonds, and General Investment Accounts, to see if they’re performing as well as they could do.
We also arrange completely new, bespoke plans for investors with savings who are looking to start their investment journey.
If you’re looking into pension investment advice, check our Pension Planning page.
Independent
No ties to any provider
CII Chartered
Highest professional standards
FCA-approved
Firm reference 1015743
Personal, pragmatic advice
Investment allocates your funds to assets, with the expectation that the value of your investment will grow over time. You can accrue more* when you risk more.
Everyone’s capacity for risk mixes the emotional with the pragmatic. Some people are more conservative about risk across their whole lives, regardless of their financial situation, whereas some are ready to leap into a higher risk strategy, for the chance of high reward. Putting aside emotion, there are some markers which indicate to us how we should suggest you manage risk.
If you’re planning a good decade of investment, it’s easier to sit with higher risk options through fluctuation.
If you’re looking to invest for only a year or two, you might be obliged to withdraw your investment at a time when its value has come down, so a far lower risk strategy would be appropriate.
If you have the affordability to accept high risk, your money could recoup at a much higher rate. However, if you’re nearing retirement and looking for pension investment advice, we’d be advising you to consolidate funds rather than engage with high-risk products, unless your pot is large enough to stomach the capacity for loss.
Our advice always centres around your personal circumstances as well as your financial situation, and we tailor our advice accordingly.
*The value of investments can go down as well as up, and you may get back less than you invested.
Clear from the get-go
Understanding you and your goals is central to understanding how to help you achieve them. That’s why our initial, no-obligation consultation is free (if the qualifying fund threshold is met).
Book In For Your Free* Consultation*Your first consultation is free if you meet the qualifying fund threshold.
Once we know your financial situation, personal circumstances, objectives and preferred risk approach, we’ll look under the bonnet of your existing investment portfolios, complete due diligence, and come back to you with personalised solutions to make your savings and investments work harder, in ways that you feel completely comfortable with.
We’ll implement your choices, and offer ongoing portfolio reviews as an optional extra, to check-in on your funds and tweak your goals.
Our transparent one-off fee means you’ll understand exactly how much your investment advice will cost, from the get-go. We do have a minimum charge for advice, which might not be cost-effective for clients with a total portfolio value lower than £100,000.
Our on-going service options are not mandatory, if you prefer a transaction-only service.
Our FeesStraight answers
There is no minimum level; you can buy shares for a few pounds! Our investment advice, however, is typically only cost-effective for investors with £100,000+ to invest. Bear in mind that investments can go up or down and you may not get back the full amount you originally invested, so it’s important to only invest what you can afford. Ensure you do not leave yourself short; as a rule of thumb it’s sensible to leave 6-12 months of monthly expenditure (plus any planned expenditure over the next few years) in accessible, deposit-based funds to act as a contingency against financial emergencies.
A pension is an investment specifically for retirement, which you cannot access until that point. You can invest up to about £1.07 million in a pension to withdraw 25% tax-free. A stocks and shares ISA allows you to invest £20,000 every year, tax-free, and you don’t pay tax when you withdraw (which you can do at any point).
Explore Inheritance Tax PlanningISAs and pensions are great tax efficient wrappers for individuals wanting to invest. Beyond that, your adviser will consider other products from a wide range of options available, that all have their own key features, benefits, and disadvantages. Once that is done we need to consider investment funds from across the whole of the market, so run specialist research to determine who we feel are the most suitable investment managers for you. We suggest a personalised strategy based on your goals, your timeline, and your attitude to risk, which our advisers will determine at your initial consultation. Your strategy is likely to be diversified across different geographical locations, asset types, and management styles, to ensure you don’t have all of your eggs in one basket.
Explore Pension PlanningAbsolutely. Our investment advice usually centres around reviewing your existing plans across Share ISAs, Investment Bonds, and General Investment Accounts. You don’t have to be starting a new investment journey to check that your investments are performing as well as they possibly can be.
Yes. As we are independent, we have access to the whole of the market. Most investment managers now try to ensure that the assets underneath the bonnet of a portfolio are ethical, and run regular reports to determine just how ethical the portfolio is. However, where a client has a strict ethical preference, our whole-of-market research can determine the most suitable solution badged with an ethical mandate. It’s becoming more common now that people want to help make the world a better place, whilst also having the potential to achieve capital growth on their funds.
Real Google reviews from people we've helped
6 months ago
“Hi found Giliker & Flynn via the Unbiased financial advice website, they match IFA's to your needs without any prejudice/misunderstanding. I met with Chris Flynn per their introduction, I found Chris very approachable. Chris put my mind at rest immediately, and I felt in safe hands to discuss my personal finance and pension needs has I approach retirement with several Pensions and investments. Thanks Chris and team for you assistance to date.”
9 months ago
“Before I chose Giliker Flynn to look after my pension, I looked at the reviews and recommendations and that is why I have chosen them to look after my pension investment. I can honestly say I have nothing but praise for Francis and for the work she has done since taking charge of my pension investment. I can wholeheartedly recommend Giliker Flynn and Francis. this decision based on my own personal experience”
7 months ago
“Chris and the team have looked after our investments for 7 years now, and we are so pleased we chose Giliker Flynn when we needed some expert advice. The team are always professional and helpful, and Chris explains our choices in a clear way to help us make informed decisions. I would thoroughly recommend to anyone looking for investment and pensions advice.”
Our independent, regulated financial advisers are here to offer the best whole-of-market investment solutions for your goals. Your first meeting is typically* free and no-obligation, so we can get to know exactly what you want your money to achieve.
Note that the value of investments can go down as well as up and you may get back less than you invested. *Your first consultation is free if you meet the qualifying fund threshold.
