Fairstone Financial Management Ltd

Independent Financial Adviser  190 Roberttown Lane, Liversedge, 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 13th September 2021
Meet our advisers
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

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 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.

What our clients say
I took early retirement and my Company pension provider didn’t offer the range of services I needed. He listened and understood my personal situation and made clear and careful recommendations aligned to my needs.
Kevin, West Yorkshire
I wanted to streamline all my insurance polices and to check if they were still required. We went through each policy in detail and checked to see if it was right one for me and we went through my private pensions and investments He was very good at explaining things to me so I could understand everything.
Robert, West Yorkshire
We were looking to consolidate various pensions. Darron did all the leg work bringing exisiting pensions into one platform. Darron made the whole process very easy and kept us informed throughout the whole process. I was and continue to be really happy with the service and advice I receive.
Neil, West Yorkshire
I was considering transferring a deferred DB pension to SIPP. Ray provided an outstanding, sound and wise perspective on the issue in hand, and it’s context and consequences. Thanks to Ray’s knowledge and experience I have the advice and recommendation which is right for me, and most important it is clear from Ray, why it’s right for me. I have never in my whole career ever been anywhere near impressed with any financial adviser, ever. I thank you and salute you for being different. I am always ready to recommend you, in fact I already have.
Richard, West Yorkshire
I needed advice on what to do with my investments, company pension and future planning. Ray was very straight forward and gave options but most importantly recommendations of what we should do.
David, West Yorkshire
Ray did a great job in collating all the relevant information for pension funds etc that we had over the years. He was very professional and helped us to understand the pension system and how to invest it. Ray did a superb job, he always comes back to us and is very willing to see us here in our home.
Steve, West Yorkshire
About us

In April 2021, we became a regional office of Fairstone Financial Management Ltd. This has resulted in us having more time to look after our clients, as much of the regulatory work is done by our head office. It also means that we have the backing of one of the UK's biggest Chartered Financial Planning firms, but you still get the feel and experience of dealing with a small friendly team.

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, Liversedge, WF15 7LF
Service coverage
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 13th September 2021

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