Fairstone Financial Management Ltd

Independent Financial Adviser  190 Roberttown Lane, Liversedge, West Yorkshire, WF15 7LF
First meeting at adviser's own cost
UK top-rated Independent Financial Planners specialising in pre and post retirement financial planning for individuals and small businesses
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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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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Critical illness
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Healthcare
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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
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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 26th July 2021
Meet our advisers
MR Darron Whitehead
Business Principal

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

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.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This qualification helps advisers develop and demonstrate their financial planning capabilities.

MR Ray Garnett
Business Principal

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

MR Jonathan Garnett
Independent Financial Planner

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

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

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

What our clients say
“Darron was very open and communicative from the start, and this worked for me as I was very wary of the pitfalls of choosing a poor or dishonest advisor. I felt quickly able to discuss my thoughts and plans with him and listen to his advice and guidance about how to proceed with my situation. I feel very glad to have made the connection with Darron and Utopia Group.” February 2015
Russ, West Yorkshire
I had a number of different company pension which I wanted to amalgamate from the past 26 years and to gain advice on my retirement options from this amalgamation. I chose Darron after considering 2 other advisors. Darron was very competent and prompt when dealing with all of my enquiries. He gave clear advice backed up by scientific research questionnaires and was far more through than the other two I chose to discuss my options with. He has been working with me since October 2015 to arrange transfer of all funds, which given the complexity of the issues it went extremely smoothly. He is supported by a very efficient office team to ensure smooth transitions. I have recommended Darron to my close family and friends based on the excellent service I have received. January 2016
Sue Whelan, West Yorkshire
I had several disparate pension schemes that needed to be organised so that I could understand their respective values. He managed the aggregation of all the pension elements into a single pot that enabled me to know exactly how much was available. Thanks to Ray's efforts I now know what monies are accumulated and what I can expect in pension terms. I cannot think of anything that Ray could have done better to help me organize my finances. October 2015
Martin Liivet, West Yorkshire
Planning for early retirement. He guided both my wife and myself in how best to get the most from our assets. Darron gave us clear advice and helped us understand the process. He took time to explain everything and we feel comfortable with the service and products he recommended. We both are happy with all aspects of the service he offered February 2016
Paul Terry, West Yorkshire
I had a couple of pensions which were not earning very much and were frozen. I wanted to use a specialist in the specific area so googled IFA's local to my area. I reviewed a couple of different sites but chose Utopia as I liked the look of them. He went through the options available to me with both the frozen pensions I already had and going forward. I wanted to put everything into one pot, but make sure that it grew in time. While I understand a fair amount I needed an up to date look at what was on offer, which Ray was able to explain in a way that I understood. I am happy with the recommendations that Ray put forward and have signed to go forward based on the information I received.
Lindsey Coates, West Yorkshire
“Having worked for different companies over the years I had multiple Pensions which when I started my own business needed sorting. Darron helped consolidate the existing pensions and suggested options moving forward which have far exceeded expectations. He’s also helped with Insurance and Inheritance planning, all of which brings a great deal of piece of mind for the future. I can honestly say Darron is always available, approachable & friendly which makes any dealings a pleasure.” Neil, November 2018
Neil, West Yorkshire
“I was moving into employment via my own limited company, meaning a separate pension / life / critical illness cover was required to be set up. A friend had recommended Darron so I got in touch. Darron described very clearly how I could make what I would be earning through my company as tax-efficient as possible, as well as producing recommendations for several different products, based on my personal appetite towards risk etc. He also made me aware that should my circumstances change with regard to family and dependants there are additional products which are available that could benefit them if and when the time comes. Contact was prompt and efficient, and everything was explained very clearly.” Jonathan, December 2018
Jonathan, West Yorkshire
“I had several pensions with different providers that needed to be reviewed and tidied up. Darron gave quality advice on how to make the most out of my pension based on my personal circumstances. Service was excellent and all is good, everything was done at my pace and explained in simple terms to me at each stage.” Noel, November 2018
Noel, West Yorkshire
I needed help with a Company Pension Transfer to provide greater flexibility of drawdown also tax optimisation. Ray provided a full personal risk assessment to determine appropriate risk level of any pension investment. He transferred funds hassle-free to a fund that provides some growth and full flexibility of drawdown with tax optimisation as I currently do not pay tax. I am new to this experience. Ray put me at ease and respected my initial nervousness. Now I have more understanding and feel confident in this area and more in control. It was good to deal with a local well established and respected business.” Julie, November 2018
Julie, West Yorkshire
“I wanted to try and better manage my pension funds and simplify them. Ray advised to transfer a few pensions to Transact but left one occupational pension in place. The performance has been improved. The service was excellent and response always prompt.” Sylvia, March 2017
Sylvia, West Yorkshire
“I wanted to retire aged 62 and I had a number of personal pensions. I wanted advice to maximise my income from my pension. Jonathan took my information and came back with the best way to invest to be able to get the income I needed. He far exceeded my expectations and I have a better outcome than I expected.” Barbara, September 2018
Barbara, West Yorkshire
“I received a prompt and courteous service from Utopia. The advisor was knowledgeable and provided clear and straight forward explanations to my questions so that I was able to understand my current situation and make the required adjustments to my pension for the future. The revisions I requested were completed sooner than I expected and I found the transition was very smooth and efficient. Highly recommended.” Stuart, March 2018
Stuart, West Yorkshire
“I reached the age of 55 and decided to look into my company pension.Tom was great at explaining all my options as I have been in poor health and what the best way to look after my wife and family financially in the long term. I have seen the outcome and it is a lot better than I expected.Tom could not have done any better, from the first meeting with him, he kept us informed of what was what and what was going to happen next truly a professional man.” John, November 2017
John, West Yorkshire
About us

We are a family business who believe great financial advice is at the core of building a more certain financial future for all our clients. We have a team of highly qualified Financial Planners with access to the most up-to-date technology, to ensure we provide you with peace of mind that your financial future is more secure as a result of working with us. Combined, our team has over 60 years' experience.

We specialise in providing face-to-face investments, pensions and protection advice. Our strategic business planning team can help companies increase profits and control their taxes. We are remunerated by a choice of retainer; fee or commission.

We have been independently voted as one of the top IFAs in the UK.

Our services

We offer a holistic financial wealth review service to increase your Pension and Investment assets, through proven and well established Investment Portfolios. At our expense, we will carry out a comprehensive Pension and Investment Performance Review to make sure your current plans meet your risk profile, performance, flexibility and expectations.

Where to find us
Head office address: 190 Roberttown Lane, Roberttown, Liversedge, West Yorkshire, LS21 1AZ
Preferred clients
Minimum wealth (income/assets)
£0
Minimum pension value
£0
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    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 26th July 2021

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