Business Details
Independent Financial Advisers in Warrington
Established to provide tailored financial solutions, we specialise in independent financial planning for individuals and businesses. Our expertise spans pension strategies, investment management, mortgage advisory, and protection services, ensuring clients achieve long-term financial security. With over three decades of combined experience, our team delivers bespoke advice aligned with personal and corporate objectives.We prioritise client needs through transparent communication and continuous support, maintaining regulatory compliance under the Financial Conduct Authority. Our commitment to excellence is reflected in our comprehensive approach to wealth management, tax planning, and estate preservation, serving clients across the UK.
Services
Pension Planning
Life Assurance
Income Protection
Investment Management
Mortgage Advisory
Equity Release
Tax Planning
Estate Preservation
Business Protection
Wealth Management
Highlights and features
- We offer over 30 years of combined experience in financial advisory services.
- Our team holds advanced qualifications including CeMAP and Chartership status.
- We provide comprehensive wealth management solutions tailored to individual needs.
- We specialise in SME business protection and director-focused financial planning.
- Our services include tax-efficient estate planning and later-life financial strategies.
Associations and certifications
- Financial Conduct Authority
Services
Pension Planning
We help clients determine retirement income requirements and develop strategies to achieve financial independence. Our specialists provide tax-efficient pension solutions tailored to individual circumstances. With expertise in SIPP management and pension transfers, we ensure compliance with regulatory standards while maximising long-term benefits.
Life Assurance
Our life assurance solutions protect families against financial hardship in case of premature death. We offer term and whole-of-life policies with flexible coverage options. The team assesses individual needs to recommend appropriate sums assured, ensuring policy terms align with clients' financial obligations and family requirements.
Investment Management
We create diversified investment portfolios aligned with clients' risk profiles and financial goals. Our approach combines traditional and alternative assets across global markets. Regular portfolio reviews ensure strategies remain responsive to market changes while maintaining compliance with FCA regulations and client-specific objectives.
Mortgage Advisory
We assist clients in securing competitive mortgage solutions for property purchases or remortgaging. Our services include fixed-rate, tracker, and equity release mortgages. We provide detailed comparisons of lender products while explaining associated fees, ensuring clients understand total borrowing costs and repayment structures.
Tax Planning
Our tax planning services focus on minimising liabilities through legitimate reliefs and allowances. We specialise in inheritance tax mitigation and trust structures for asset protection. Strategies incorporate pension contributions, charitable giving, and business relief opportunities to optimise clients' financial legacies.
People
Mark A Ball
Director - Independent Financial Adviser
With over 32 years' experience, Mark specialises in wealth management, pension transfers, and business protection. He holds CeMAP and Chartership qualifications, providing expert advice on tax planning, estate preservation, and later-life financial solutions for private clients and SMEs.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, mortgages, protection, tax planning, and business protection solutions tailored to individual and corporate needs.
Are you regulated by the Financial Conduct Authority?
Yes, QFinancial is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 303315.
How do you charge for mortgage advice?
We charge a £250 arrangement fee for mortgage advice, with additional commission received from lenders as disclosed in our terms.
Can you help with SME business financial planning?
Yes, we provide specialist business protection, key man insurance, and director-focused financial strategies for SMEs and company owners.
What investment platforms do you support?
We support major platforms including Aegon, M&G Wealth, Embark, Fidelity, Hargreaves Lansdown, and Quilter for portfolio management.
Do you offer equity release advice?
Yes, we provide equity release solutions as part of our later-life financial planning services for eligible clients.
Reviews (7)
Keith Gahan
Feb 25, 2022
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Im waiting the last 8 months to have my pension from my job returned to me as promised by q financial, ive returned all d details they asked for but to still no avail, can u tell me were do i go from here as im financiallly stuck witn a lot of bills that has me under severe pressure lookinb for their money, please can i have some soljutions, im dealing with mabs
Lizz Handley
Apr 20, 2021
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I just want to state how AMAZING Simon & Kirsty has been throughout the process so far of purchasing my first house. He has always gone the extra mile for me and nothing was too big for him, even when he is in the middle of Wales on holiday and I am pestering him! Simon, you truly are an asset to Q Financial! I cannot thank you enough for the help and advise you have given me so far.
Curley S.
Jan 26, 2021
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I'd reccommend Mitch and Andrea at Q finance without hesitation, they went above and beyond in helping me in my first mortgage. Mitch is really personable, while getting the job done in record breaking time. They help at every single stage. An absolute pleasure!
Shirley-Anne Evans
Oct 23, 2020
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What can I say fantastic personal help with finding us the best mortgage offer and help along every step of the way with going through buying our property from beginning to the end and also with finding us the best suited insurance for us so we would definitely recommend with the EXCELLENT SERVICE that they provided us with a massive thank you to Ben & Kirsty
Jade Pendleton
Jun 13, 2020
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We have used Simon at Q Financial Services twice for our mortgage and re-mortgage and we would highly recommend! Friendly, easy to understand advice and overall great service. We will be using them again in the future.
Kev Hughes
May 08, 2020
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Can't thank Simon enough for his advise on getting are first home and also are life cover will definitely be using him again he was great at explaining things to me in a way that I understood them and also he would go out of his way to make sure everything was as it should be would highly recommend using him once again thank you for helping us get are first home :
Ian Yeomans
Apr 20, 2020
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Throughout my dealings with this company I have found all the staff to be extremely professional, courteous and genuinely invested in meeting my needs. They listened and do everything they can to accommodate. Any concerns I had were addressed quickly and I felt that giving good service was integral to how they work. They helped me navigate the whole process from start to finish and it was reassuring to genuinely feel they 'had my back'. Based on my experience I would recommend them without hesitation. Thank you all at Q Financial for the great service
