Whitehill Financial Management Ltd

Independent Financial Adviser  Althorpe, Halifax, HX4 8PT
First meeting at adviser's own cost
A down-to-earth, friendly, local Chartered Financial Adviser. Investments, savings, pensions, and retirement are my speciality!
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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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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Mortgage protection
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Next home / Remortgaging
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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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Critical illness
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Income protection insurance
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Life insurance
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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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Group Pension/Stakeholder
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 10th May 2021
Meet our advisers
MR Richard Whitehill FPFS, APFS, Certs CII (MP & ER), BA(Hons)
Director / Chartered Financial Adviser

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

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

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

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 taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

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

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 an understanding of the financial planning process when giving advice to clients.

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 a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry. This shows a commitment to continuous professional development.

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

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

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

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

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

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

Accreditations
Chartered Financial Planner
What our clients say
Richard has been a great help in managing our financial affairs over the last 10 years. His efficient and timely work enabled us to secure an excellent mortgage deal which secured the purchase of our house. He has had a keen eye for detail in all his dealings with us and has constructed an excellent wealth management plan to help us invest for the future. His advice is always delivered in an engaging way which ensures we are not pressured into decisions and time spent is focussed and well organised. I have particularly valued in his advice on additional pension contributions which have ensured I have made the most tax efficient decisions about my money. He always has a careful watch over the self assessment tax deadline and I have appreciated his timely reminders which have kept me on the straight and narrow and his help in filling out the form. The next step is to organise a will: his contacts have also been very useful for this. I cannot recommend his services highly enough.
Roger, Pecket Well
Richard has acted as my financial adviser now for approximately 10 years. Since then I have been happy to pass his details to family members and friends. I have always considered him to give excellent advice and feel reassured that he acts in both myself, and my family’s best interest. Whilst he always advises what he feels is the for the best, I have never felt pressured in to following any of his recommendations, he simply provides the information and allows me to make the decisions. I have no hesitation in recommending Richard. It is also fair to say that over the 10 years of knowing Richard that he has ended up advising me on lots more than just my financial situation, for which I have been greatly appreciative.
Jonathan, Liversedge
I first heard of Richard through my son a number of years ago. I phoned him and arranged for him to come and look over my finances. Since meeting Richard for the first time I have never looked back. Richard is passionate about what he does, he is sincere, honest, and most of all trustworthy, which is what you are looking for when trusting someone with your 'money', as I am the kind of person who is very careful with their money, down to my last penny! Richard put me very much at ease, went through everything thoroughly, and his advice and the time spent with me were second to none. His visits are never rushed, and time is taken on explaining everything, making sure you understand all. I would have no hesitation in recommending Richard to look after anyone's finances. I trust him to advise, guide and help me make the right decisions with my money. He is an excellent Financial Advisor, having only your best interests at heart.
Pauline, Mirfield
I have known Richard for many years and until recently had not considered using his advice service. My financial circumstances were changing and when talking to friends found him to be highly respected and recommended. His service has been nothing but professional and highly efficient. He has a highly capable manner and is very personable. He is forthright and honest and thoroughly assesses what is the best and most appropriate course of a action. I would not hesitate to recommend him.
Gavin, Halifax
About us

A financial adviser since 1994, I’ve got a lot of experience under my belt that will help me to help you!

After 20-odd years as an adviser I decided to work towards Chartered Financial Planner status. This is the gold-standard of financial planning, which I achieved in 2016. I then took that to the next level through further examinations and am now a Fellow of the Personal Finance Society in addition to being Chartered.

My job is to take someone's financial situation, no matter how simple or complicated it is, and advise on the best solution(s) for your circumstances. At the same time I try to keep things down-to-earth and understandable.

I can do techno-babble if you want it, but most don't!

I'm a 'general practitioner' IFA, so I cover all areas of financial advice. Most of my work is in investments, income from investments, pensions, retirement and savings. Tax planning and inheritance tax planning also feature frequently, as does mortgage advice and family protection (life insurance etc).

Our services

I like to take a straightforward, no-nonsense approach, and always try to ensure I use plain, clear language to help clients to understand their finances and financial plans better. Remaining committed to face-to-face advice, I'm happy to arrange meetings to suit you, usually visiting clients in their own home.

Where to find us
Head office address: Althorpe, Norland Road, Upper Greetland, Halifax, HX4 8PT
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£250,000
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 10th May 2021

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