IJP Wealth Management Ltd

Independent Pure Offices Ltd, Brooks Drive, Cheadle Royal Business Park, Cheshire, Cheadle, SK8 3TD
First meeting at adviser's own cost
Response rating
7.0 /10
FCA verified
11th November 2019
Specialist advice relating to all types of Pensions, including Defined Benefit & Final Salary Schemes.
We can advise you on
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions review
    • Pensions transfer
    • Wealth management
    • Ethical investments
    • ISAs
    • Investing for income
    • Investment trusts
    • OEICs
    • Socially responsible investments
    • Lump sum
    • Regular savings
    • Accident & sickness
    • Critical illness
    • Healthcare
    • Income protection insurance
    • Life insurance
    • Payment protection insurance
    • Capital gains tax
    • Estate planning
    • Income tax
    • Employee benefits
    • Group pensions
    • Group protection
    • Long term care
Meet our advisers
Paul Ward Ba (Hons) DipFA
Independent Financial Adviser
What our clients say
At our initial meeting I was impressed at the depth of Paul’s knowledge and advice in relation to finding out the type of investments that best suited my needs. I felt that he was extremely patient in explaining the various options available and helping me choose the most appropriate which met my criteria for ethical investment. Paul is very professional, and explains complex financial matters in a language that a layman is able to understand. Having retired at 56 with a smaller pension than I would have received at 60 or beyond, I was reconciled to using my lump sum to make up my difference between my income and outgoings. As a result of the advice I took from Paul, my income from investments has made up the gap between my pension and my expenditure, and I can now look forward to a much more comfortable retirement than I was expecting. I would not hesitate to recommend his expertise and professional guidance to anyone in a similar situation. What could your adviser do better? If I think of anything, I'll let you know, but it really is difficult to think of anything critical about an adviser who has made my retirement comfortable and worry free
Edward, Manchester
Paul is always punctual for meetings. Paul advised on my personal pension having listened to my thoughts on retirement time lines and also taking into account my frozen final salary pension (which as i already knew, Paul advised to leave it where it was). Having listened to the level of risk i wanted to take, Paul researched the products on the market that best suited my requirements and then explained to me the possibilities, with his recommendation. Paul was also very willing to talk about other financial investments.
Ian, Cheshire
Paul is a very professional and high calibre individual who I have had dealings with in a personal and professional capacity. Paul has the ability to review a particular situation and provide a broad range of options that best suit his clients. I would highly recommend him to others.
John, Manchester
I was looking for a company pension and life insurance scheme that suited my business and staff. Paul listened, understood and engaged with us in a way that fitted around our business and family lives. We agreed on the products, discussed the options and we were fully involved and informed from Day One. Our Company received a pension scheme that exceeded our expectations and that we were more than happy with. There were no problems, Paul was professional and friendly at all times. Keep up the good work!
James, Cheshire
My wife and I returned to UK after living overseas for 12 years and needed expert advice on most beneficial way of re-investing funds, if necessary.Also, there were a couple of loose ends that needed advice before finalising them. Paul fully explained his charges and was upfront about finding fund providers who levied realistic charges.Paul quickly involved himself in the issues outstanding from Cyprus.He certainly understood our thoughts on risk and advised us accordingly.After some consideration, he recommended a fund for us, in which we were happy to invest.Finally, he maximised our investment in ISAs, which had not been available to us in Cyprus. Paul's advice did not cover pension arrangements which were already in place.,We were happy with the documentation provided we received from our fund provider.Having been with Paul for only 12 months, we believe our investment has withstood the problems of the Stock Market during that period and we are hopeful that things will improve overall. It is difficult to identify any areas for improvement since we are relative novices in the world of finance. Suffice it to say to say that we feel Paul has been ultra professional in our dealings and
Colin, Cheshire
Paul has provided a first class level of service from our first meeting. He has been very professional & friendly. From the very beginning he listened intently & totally understood my situation & goals. He provided expert advice & explained his recommendations in an easy to understand way. He fully explained any charges & in my opinion offered a value for money professional service. I would highly recommend Paul for anybody looking for a professional, knowledgable financial advisor. I have not found any faults with Paul's advice & services
Tim, Cheshire
Paul gives friendly, impartial and honest advice. I would recommend him to anyone who is seeking help with pensions, insurance and mortgages. He will tell you straight away if a product or policy is not suitable for your situation or needs even if this means he is losing out on extra business. In my opinion you would do well to find a better IFA.
Ian, Cheshire
I met with Paul on four occasions where he provided very in depth pension advice very honestly. He helped with consolidation of my various pensions, including Defined Benefit, and also gave very valuable advice on tax efficient pension drawdown. I found Paul to be very forthright and honest, even when I 'grilled him' on the subject of 'scamming'. Paul has obviously worked very hard to get where he is now and takes a great deal of pride in his work. I am certain that he has the best interests of his clients (and potential clients) at heart. At age 62 years and researching 'pension freedom', I wanted to know if I could, and more importantly, could afford, to retire early. Not knowing the full extent of my situation, I realised that I would need some professional advice and that is where Paul fitted in.
Ian, North West
Where to find us

Pure Offices Ltd, Brooks Drive, Cheadle Royal Business Park, Cheshire, Cheadle, SK8 3TD

Make an enquiry
About us

We are Pension Transfer Specialists, and as such, we specialise in providing advice in relation to all types of Pensions, including Defined Benefit and Final Salary Pensions.

We are Independent Financial Advisers based in Manchester and Cheshire.

We adopt an extremely professional and friendly approach and have been recommended by many of our clients for explaining complex and beneficial Financial Planning in easy-to-understand language.

We welcome all enquiries, and can also offer details of clients who would be more than happy to speak to you in relation to their experience of our advice.

Please contact us for a free initial consultation to begin your advice journey, especially if you would like to discuss obtaining a Cash Equivalent Transfer Value on your Defined Benefit or Occupational Pension.

Our services

Final Salary and Defined Benefit Schemes are our specialism, having qualified for the Level 6 Award in Pension Transfers (AwPETR).

We specialise in Pension/Retirement planning both pre-retirement and also should you wish to discuss taking your accrued pension benefits.

Please contact us today for a free initial consultation to begin your advice journey.

Advice methods
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    Online (Live chat, video, email)
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    Face to face
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value