       
 
 
 5.0 
   Top Rated Service 2026 
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

5 Star Rated Financial Advisers UK

Wealth Management & Investment Advice

Our wealth management advice integrates strategic investment planning, tax efficiency, and holistic financial planning. We only partner with trusted providers meeting our strict criteria, and deliver bespoke advice for discerning clients.

BOOK YOUR CONSULTATION CONTACT OUR TEAM

      
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   neil davies 
 272 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My first pension review with this company as ive been there 12 months and Simon Davies my advisor was very informative and spoke in a clear and understandable manner,my funds are also doing well so well done keep it going 👍
  
 
     Posted on Google  
   
   Louise Joyce 
 275 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Mark Hurst helped us with our mortgage when moving house. We have used Mark for previous mortgage and pension advice. Mark is our go to and we will always recommend Mark to others. He is a real pleasure to deal with and he helps get the best for his clients. We wont go to anyone else.
  
 
     Posted on Google  
   
   Darren Faulkner 
 281 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We dealt with Paul and Charlie for life and critical insurance on our business. Very professional, knowledgeable and efficient. Would recommend them to anyone wanting any form of advice on insurance, pensions or investments.
  
 
     Posted on Google  
   
   Jo Morrell 
 314 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My advisor, Chris Milczarek is always very polite and attentive of my pension needs. I’m happy to refer him.
  
 
     Posted on Google  
   
   Brian Tee 
 318 days ago
 
 
 Trustindex verifies that the original source of the review is Google. James Black from Beal's Wealth Management explained where we were with our ISA and Pension funds and also explained the reasons why and the increases in the Fees we would be charged in the future. We were very happy and we both thought James did an excellent job. Thanks Brian and Sue Tee.
  
 
     Posted on Google  
   
   Dominic Pisani 
 324 days ago
 
 
 Trustindex verifies that the original source of the review is Google. A really lovely team of advisors, especially Chris M, always on hand to answer questions and advise where appropriate. The yearly reviews are really helpful to ensure the pension is on the right track, but they call you mid-year if they recommend a change to any products. Really reassuring to have them assisting with and looking after my private pension.
  
 
     Posted on Google  
   
   Carol Meyer 
 351 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and a great company. Its been wonderful to work with Chris Milczarek my financial planner who not just helps me sound advice with my pension but always gives me genuine time to discuss other options.  Thank you...
  
 
     Posted on Google  
   
   Michael V 
 393 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Olivia who is my new adviser has been very kind and extremely helpful. She brought all up to date on my pension fund and sent me the info I needed. I've been with Beals since 2018 and always had a great service.

Our Wealth Management Services

Our wealth management services are designed to safeguard your assets, mitigate risks, and provide a tailored strategy that ensures long-term financial security and peace of mind.

Risk Aversion

Managing wealth requires a careful balance between growth and protection, and a risk-averse strategy can be a prudent choice for securing your financial future. Our expert advisers specialise in creating tailored wealth management plans that minimise exposure to market volatility and unforeseen risks, helping you preserve your assets while achieving long-term stability and peace of mind.

Book your first appointment for free here >

Trust Information

Trust and security are essential in managing your wealth. Our experienced advisers provide transparent, tailored financial strategies to protect your assets and achieve your goals. We prioritise your financial future with strict security measures and clear, honest advice, ensuring that your wealth is safeguarded and in trusted hands.

Book your first appointment for free here >

Investments

Investing for your future can be complex, but we specialise in creating personalised investment strategies to help you achieve your financial goals. Our expert advisers assess your needs, risk tolerance, and objectives to craft a tailored plan and provide ongoing guidance to keep you on track.

Book your first appointment for free here >

Retirement Planning

Planning for retirement can be overwhelming, but we specialise in helping you create a strategy for a secure and comfortable future. Our expert advisers work with you to assess your goals, income needs, and time horizon, designing a personalised retirement plan that evolves with your circumstances.

Book your first appointment for free here >

Tax Planning

Effective tax planning is essential for aiming to maximise your wealth, and we specialise in creating strategies to minimise your tax liabilities. Our expert advisers work with you with the aim to optimise your investments, income, and estate plans, ensuring your financial goals are achieved in a tax-efficient manner.

Book your first appointment for free here >

Savings & Investment Strategies

Building wealth through savings and investments requires a tailored approach. Our expert advisers will aim to optimising your investments and savings to align with your individual objectives and risk tolerance.

Book your first appointment for free here >

Insurance & Risk Management

Protecting your wealth and family is essential, and our insurance and risk management services are designed to give you peace of mind. Our expert advisers help you assess potential risks and provide tailored solutions, including life insurance, income protection, and critical illness cover, ensuring you're financially secure no matter what the future holds.

Book your first appointment for free here >

Cash Flow Management

Effective cash flow management is key to achieving your financial goals. Our expert advisers work with you to create a strategy that aligns your income, expenses, and savings, helping you maintain financial stability, manage debt, and ensure you're on track for long-term success.

Book your first appointment for free here >

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

BOOK your consultation our advisers

"The only way to drive economic growth is to invest, invest, invest"

Rachel Reeves delivered the first Labour Budget in 14 years on 30 October, during which she announced £40bn of tax rises. She outlined a series of new tax and spending measures, saying, “The only way to drive economic growth is to invest, invest, invest.”

The Office for Budget Responsibility’s (OBR’s) economic projections outlined during the Budget predicted economic growth of 2.0% in 2025, before tempering to 1.6% by the end of the Parliament. Inflation is predicted to average 2.6% in 2025.

Some of the main personal taxation pledges included:

- The lower and higher main rates of Capital Gains Tax (CGT) increased to 18% and 24% respectively for disposals made on or after 30 October 2024.

- IHT nil-rate bands will stay at current levels until 5 April 2030 (previously 2028).

- Unused pension funds and death benefits payable from a pension will be subject to IHT from 6 April 2027.

- The government intends to reform Agricultural Property Relief and Business Property Relief from 6 April 2026.

- AIM shares will no longer be exempt from IHT. The government is reducing the rate of business property relief to 50% in all circumstances for shares designated as ‘not listed’ on the markets of a recognised stock exchange, including AIM. An IHT rate of 20% will apply from April 2026.

- Domicile status is to be removed from the tax system and replaced with a residence-based regime from 6 April 2025.

- In addition, the government has confirmed that Basic and new State Pensions will increase by 4.1% in 2025/26, in line with earnings growth (£230.25 a week for the full, new flat-rate State Pension and £176.45 a week for the full, old basic State Pension).

Basic and new State Pensions will increase by
4.1% in 2025/26, in line with earnings growth

Source: Quilter Essentially Wealth Newsletter Q1 2025

Why Choose Beals Financial Advisers?

Working with our financial advisers offers trusted expertise, personalised guidance, and tailored strategies to achieve your financial goals:

We take a comprehensive view of your financial situation, considering factors such as insurance, mortgages, retirement, savings and investments, estate planning, and cash flow management.

We can provide strategies to minimise tax liabilities, ensuring you keep more of your money.

We can help you develop and manage an investment portfolio that aligns with your financial objectives and risk profile.

We have access to a wide range of financial products and tools that may not be available to individual investors.

Expert Financial Advice UK Wide

5 Star Rated Financial Advisers UK

Wealth Management & Investment Advice

Our Wealth Management Services

Risk Aversion

Trust Information

Investments

Retirement Planning

Tax Planning

Savings & Investment Strategies

Insurance & Risk Management

Cash Flow Management

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

"The only way to drive economic growth is to invest, invest, invest"

Some of the main personal taxation pledges included:

Why Choose Beals Financial Advisers?

Latest Blogs & News

Whole of Life Policy vs Investing for Married Couples: Which Is Better for Inheritance Tax Planning?

Tax Year End Planning 2025/26: Use Your Allowances Before 5 April 2026

Whole of Life Policy vs Investing: Which Is Better for Inheritance Tax Planning? (Single Person Example)

Nil Rate Bands Frozen Until 2031 Inheritance Tax (IHT) Autumn Budget - Why Now Is the Time to Act

Looking for a financial adviser near you?

OUR FINANCIAL SERVICES