iWealth Ltd

Independent Financial Adviser  Ground Floor, Leeds, West yorkshire, LS1 4HY
First meeting at adviser's own cost
We are independent Financial Planners based in Leeds, working with high earners, business owners and people at retirement.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Bad credit
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Buy to let
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Buying first home
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Income protection insurance
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Life insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
Response rating
7.0/10
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FCA authorised
Last authorised 17th February 2020
Meet our advisers
Andrew Woolhouse
Chartered Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses the candidate to develop in depth financial planning skills related to business.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

Accreditations
Chartered Financial Planner
What our clients say
“I would like to take this opportunity to thank Andrew for his help and advice dealing with my mortgage. I would recommend Andrew for his friendliness, truthfulness and his effort to help me and my family. Once again, thank you.”
Louise, Sheffield
“I have known Andrew for a number of years now and he has always ensured that I am fully clued up on the advice he is issuing and that the products and service are to my requirements. He has never attempted to push me into something that I consider unfavourable for my requirements. He’s a very personable man who I now consider a friend.”
Richard, Barnsley
“Andrew is an excellent adviser, very friendly and puts you at ease. He explains everything thoroughly and he is also very flexible with appointments. I will be working with him in the future.”
Joyce, Doncaster
“I have seen a couple financial advisers over the years, so I was a little sceptical. Andrew put me at ease, explained his advice process, how he worked and wrote a proposal for my consideration. This was excellent as I was not under any pressure to proceed and it put me at ease. I knew exactly why Andrew had made his recommendations and what the benefits and outcomes were for me. I cannot recommend Andrew and his service enough. Andrew, you are a credit to your industry.”
Norman, Driffield
“I have used iWealth to help me with my pensions ready for retirement in four years. Andrew has been extremely patient at explaining the complicated variety of pensions I hold (in lay-man’s terms) and the options I have. I would not hesitate to recommend iWealth to friend and family.”
Diane, Keighley
About us

Our Financial Planner, Andrew Woolhouse, has worked in the financial services profession for over 15 years. He founded iWealth in 2012.

We specialise in working with:

- High earners. We help you to balance enjoying the present whilst ensuring your savings will provide you with your desired lifestyle in the future.

- Business owners. We help you to manage the financial side of business and home life as one, creating a bespoke strategy that enables both to thrive.

- People planning their retirement. We help you to ensure you can live your desired lifestyle once work is over, whether retirement is 10 years away or much more imminent.

- People seeking pensions advice. We help you understand the value of your pensions and establish what you can change to get better returns for your retirement.

- People concerned about IHT. We help you mitigate Inheritance Tax (IHT), using the allowances available, to ensure that your assets stay within your family.

Our services

There are many things which separate us from other firms, including:

- We are Financial Planners. We never simply sell you a product and we always deliver thoughtful recommendations within the context of your goals.

- We are run by a Chartered Financial Planner. Andrew’s individual Chartered status is the ‘gold standard’ of financial planning and positions him amongst the UK’s leading advisers and planners.

- We are independent. The recommendations we make are therefore unbiased and unrestricted. We have the freedom to choose the best option for you, from the entirety of the market, when implementing our plans.

Where to find us

Ground Floor, Princes Exchange, Princes Square, Leeds, West Yorkshire, LS1 4HY

Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£0
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 17th February 2020

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