       
 
 
 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 Planners UK

Financial Planning Advice & Services

Helping clients across the UK with tailored financial advice. Your trusted partner for Mortgages, Pensions & Investments, Inheritance Tax Planning and more.

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 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  
   
   Lorraine Lowey 
 7 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I am very happy to have Holly as my financial adviser. She has guided me through my pension transfer. She had patience with me as I struggle with tge whole subject.
  
 
     Posted on Google  
   
   Jon Cornish 
 20 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I can throughly recommend Mr James Grant Senior Partner & Financial Advisor at Beal’s Wealth Management. James kindly arranged my pension pots to best suit my needs and future wishes. James was extremely patient, understanding and supportive of my needs. To date the performance of my pension has been excellent.
  
 
     Posted on Google  
   
   peter hartley 
 11 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. I recently  required some important financial advice for which I started a search finding Beals I contacted them and was put in touch with Chris  Milczarek Speaking with and discussing my situation he quickly assisted me through my concerns extremely clearly. So much so that I am pleased to highly recommend him with a 5 star rating. Thanks Chris. Peter H
  
 
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   Helen Brusby 
 5 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with the communication, knowledge and politeness of everyone at Beals, they work for you.
  
 
     Posted on Google  
   
   Kevin Booth 
 4 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Dominic Higham was very thorough on his detail and after taking over my old advisor had a lot of details
  
 
     Posted on Google  
   
   trevor holt 
 4 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. i had my annual financial review with MR DANIEL PYLE. DANIEL has continued to maintain an extremely high standard of explaining with an easy to understand method of how my investments through his recommendations have performed in the last year and has answered all of my questions in a clear and easy to understand way. Daniels advice and guidance has resulted in a continued growth of my investments that has continued to exceed my expectations. an amazing financial advisor (guru) at an amazing company, BEALS  WEALTH  MANAGEMENT
  
 
     Posted on Google  
   
   B. Radley 
 25 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. As a long standing customer I am very happy to endorse the Beals Wealth Management Team, particularly Simon Davies and Sarah Sampson who are always very diligent, helpful and professional in providing robust acurate advice concerning my long term financial arrangements.
  
 
     Posted on Google  
   
   Paul Cook 
 27 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. I've been using Beal's for a good few years now. I find them to be helpful, friendly & knowledgeable. Would recommend.
  
 
     Posted on Google  
   
   Valerie McCarthy 
 26 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Simon Davies is a very honest, competent and friendly advisor. He has been so helpful over the past 10+ years, looking after my pension fund and ISA, giving me clear and honest advice. I am delighted to say that these funds have grown steadily over the years - thank you. Simon is also very patient when explaining options. And, always on time with any phone appointments we have too. Thank you Simon.
  
 
     Posted on Google  
   
   jackie mason 
 22 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have trusted Mike from Beals with my investments for over 10 years and he has always been patient, honest, supportive and extremely knowledgeable.
  
 
     Posted on Google  
   
   Nigel Brazendale 
 16 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Simon Davies has always been fair honest and professional with our dealings. He is great and have recommended him to others many times.
  
 
     Posted on Google  
   
   Anna Lacey 
 6 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. Calls on time, answers questions and researches anything that is unclear.
  
 
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   neil davies 
 5 December 2025
 
 
 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 
 2 December 2025
 
 
 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  
   
   James Woodman 
 28 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with Beals Wealth Management and In particular James Grant my FA. Communication is clear ,timely and importantly at the date & time agreed. Very pleased with the performance in my first two years with Beals.
  
 
     Posted on Google  
   
   Maria Puckey 
 26 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Darren Faulkner 
 26 November 2025
 
 
 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  
   
   jacky parish 
 12 November 2025
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Jo Morrell 
 24 October 2025
 
 
 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 
 20 October 2025
 
 
 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.
  
 
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   Alanjohn Evans 
 16 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. It was sufficient
  
 
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   Dominic Pisani 
 14 October 2025
 
 
 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  
   
   Mehmood 
 11 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Trevor has been extremely professional and helpful over a number of years.
  
 
     Posted on Google  
   
   Christine McFall 
 7 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Mark Hurst has been managing my portfolio for many years. Even in a struggling economy he manages the market successfully. Mark is the most professional, knowledgeable,  trustworthy financial advisor I have had the pleasure to deal with. He is an absolute gentleman whom I highly recommend.
  
 
     Posted on Google  
   
   Malcolm Harrison 
 3 October 2025
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service. Our advisor explains everything clearly.
  
 
     Posted on Google  
   
   Carol Meyer 
 17 September 2025
 
 
 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  
   
   Paula Rodney 
 22 August 2025
 
 
 Trustindex verifies that the original source of the review is Google. My brilliant adviser, Neil Adams, gave attainable and realistic advice when helping me to plan for my future retirement. He was extremely informative and infinitely patient when dealing with my many questions and I wouldn't hesitate to recommend him.
  
 
     Posted on Google  
   
   Michael V 
 6 August 2025
 
 
 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.

What is Financial Planning?

Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.

You will almost certainly have goals of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but these have financial implications and leaving it to chance isn't an option. Careful planning helps to turn your goals into reality and the sooner you start your financial planning the greater your chance of realising them.

There are so many issues to consider when planning a financial future, so we've highlighted some key stages of a financial life to guide you.

Why is Financial Planning Important?

At Beals Wealth Management, our team of financial planners provide you with the right financial advice plus regular reviews and evaluations of your financial plan.

Help to increase the value of your savings & investments in a tax efficient manner

Protect yourself and your dependant's income in case of unforeseen problems

Increase the after-tax legacy you pass on to your beneficiaries.

Why choose Beals Financial Planners?

Working with our financial planners 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.

The Stages of a Financial Life

Whether you’re buying your first home, planning for retirement, or navigating life’s other milestones, we provide ongoing, tailored advice.

Lifestyle Priorities

House Deposit

Home Purchase

Marriage/Children

Promotions

Higher Salary

Bigger House

School Fees

Inheritance

Supporting Children

Phased Retirement

Retire Fully

Downsizing

Lower Cash Needs

Long Term Care Planning & Bequests

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 meet our advisers

Award Winning Network

Beals Wealth Management are proud to be part of Quilter Financial Planning, an award-winning network celebrated for its outstanding customer service, innovative platforms, and exceptional financial strength.

Recognised for Service

FT Financial Adviser Service Awards 2025 - Five Stars (Platform, Pension, Investments)

Defaqto - Gold Service (Platform, Pension, Investment Bond)

Investment Life & Pensions Moneyfacts Awards 2025 - Best Online Service

Highly Rated Products

Defaqto – 5 Star rating Platform, Personal Pension, Onshore Bond and WealthSelect for DFM MPS on platform

Defaqto – 5 Diamond rating WealthSelect Managed Active and WealthSelect Managed Blend, Monthly Income, Cirilium Blend, and Cirilium Passive

Money Marketing Awards 2025 – Best Retirement Provider

Exceptional Platform

Schroders UK Platform Awards 2025 - Platform of the Year

Schroders UK Platform Awards 2025 - Best Platform Provider (AUM over £40bn)

FE Adviser Asset 2025 Platform Rating - Quilter's platform received a platinum rating for the 10th consecutive time

Frequently Asked Questions

What is financial planning?

Financial planning is the process of setting, managing, and achieving your financial goals. It involves evaluating your current financial situation, creating a comprehensive strategy, and making informed decisions about budgeting, saving, investing, retirement planning, and risk management.

Why is financial planning important?

When should I start financial planning?

It's never too early to start financial planning. Whether you're just beginning your career or nearing retirement, having a financial plan in place ensures that you're working towards your long-term goals and can adjust as life changes.

What is a financial planner, and how can they help me?

A financial planner is a professional who helps you develop a comprehensive financial plan. They assess your current financial situation, understand your goals, and provide expert advice on budgeting, saving, investing, tax planning, retirement planning, and risk management to help you achieve your objectives.

What are the benefits of working with a financial planner?

Working with a financial planner provides expert advice tailored to your unique financial situation. They help you make informed decisions, optimise your investments, minimise taxes, manage risks, and create a roadmap for achieving your financial goals, all while offering peace of mind.

What is retirement planning, and why is it important?

Retirement planning involves preparing financially for life after you stop working. It includes saving for retirement, managing investments, and understanding pension plans. Retirement planning is essential because it helps ensure you have enough income to support your lifestyle and financial needs in retirement.

How do I know if I need financial planning services?

You may need financial planning services if you’re unsure how to manage your finances, are facing major life changes (such as marriage or retirement), or have specific goals like saving for a home or funding your children’s education. A financial planner can help you create a strategy to meet your goals.

How often should I review my financial plan?

It’s recommended to review your financial plan at least once a year or whenever a significant life event occurs (such as a promotion, marriage, or the birth of a child). Regular reviews ensure that your plan stays aligned with your goals and adapts to changes in your financial situation or life stage.

What is estate planning, and how does it relate to financial planning?

Estate planning is the process of arranging for the distribution of your assets after your death. It includes creating wills, setting up trusts, and considering tax implications. Estate planning is an important part of financial planning to ensure your assets are passed on according to your wishes and with minimal tax liabilities.

Expert Financial Advice UK Wide