Fernleigh Wearden & Company Ltd
Independent Financial Advisers
Four fields. That’s it.
One of our advisers will ring you back by the end of the next working day, at the time you asked for.
In a hurry? Call us on 01772 864314, 9am–5pm Monday to Friday.
Start here
Find the one that sounds most like you. Each leads to a fuller explanation of how we would approach it.
Overview
You do not need to know what you need. Working that out is the job and it is what the free first conversation is for.
Below are the questions we hear most often, split between advice for you and your family and advice for a business you own. A great many people recognise something in both lists.
How can we help?
The questions we hear most often from individuals.
The most common question we hear. We model your income, outgoings and pots, then give you a date rather than a feeling.
Retirement planningOld workplace schemes, a personal pension, something from the nineties nobody can find. We trace them and tell you honestly whether moving is worth it.
Pension reviewAn inheritance, a sale, a bonus. The first decision matters more than the tenth. We take it slowly and get the tax right first.
Investments & taxInheritance tax rewards planning early and punishes a lack of planning. We show you what your estate looks like today and what can be done.
Estate planningNot a comfortable question, which leads to a lack of planning. Getting the answers you need usually costs far less than people expect.
ProtectionCare fees frighten whole families. There are rules, allowances and options most people never hear about. We walk through them with you.
Later life & careHow can we help?
What owner-managed firms across Lancashire ask us about.
Auto enrolment got set up once and never looked at again. We review the scheme, the charges and the default fund, then handle the paperwork.
Company pensionsVery common among owners. Employer contributions are one of the most tax-efficient ways to pay yourself and it’s rarely too late to start.
Director pensionsUsually their family — who may not want them and you may not be able to buy them. The right agreement and cover solves it in advance.
Business protectionMost small firms have someone like that. Key person cover buys the business time to recover rather than scramble.
Key person coverBenefits are often what tips it. Group life, income protection and health cover cost less than most owners assume and staff notice them.
Employee benefitsThe most common risk we see in owner-managed firms. Building something outside the company is what turns a business into a retirement.
Your own planWorking with us
Nothing is committed until step five and the first two cost you nothing but time.
A chat, at our office, your home or over video. We listen, you ask questions. There is no charge and no obligation and if we can't help we'll say so.
What you have, what you owe, what you want and how you feel about risk. This is the part most people find surprisingly useful in itself.
We review your existing plans, charges and funds against the whole of the market. Being independent means nothing is off the table.
A written report in plain English setting out what we suggest, what it costs and why. You take it away and think about it.
Only once you're happy. We handle the paperwork, the providers and the chasing, which is usually the tedious bit.
If you'd like us to, we'll review everything at least once a year and tell you honestly if nothing needs changing.
Who you’d be dealing with
Whichever question brought you here, we will always endeavour to keep you with one adviser from start to finish.
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Read moreOur services
Advice areas overlap. Part of our job is spotting which ones actually apply to you.
That is completely normal. Tell us roughly what is on your mind and an adviser will ring you back.
