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 5.0
 5.0
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   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.

Investment Risk Profiles

We use six risk profiles when recommending investments. Your financial adviser will help you to decide what kind of risk you are comfortable with and why.

The key driver of the risk level of your investments will be their asset allocation. In other words, how much is invested in riskier assets like equities (company shares), and how much is in lower risk assets like government bonds. As you can see, in the dynamic and adventurous profiles the investment in equities is far higher than for the risk-averse and conservative portfolios. Please note that the asset splits below are examples only. No actual portfolios will exactly replicate these splits. For illustration purposes only.

Risk Averse

Risk-averse investors are not happy taking any risk that can be avoided.

Example asset allocation

Conservative

Conservative investors are careful
about investing in the stock market.
However, they understand that this
may be necessary to reach their
goals. They will feel disappointment
if any actions they take do not have
a good outcome.

Example asset allocation

Balanced

Balanced investors do not take
much risk with their money.
However, they know that higher-risk
investments can give better returns
over time, so are willing to take some
risk. They would regret any decision
that failed to lead to a return.

Example asset allocation

Moderate

Moderate investors understand
that they will probably have to take
a degree of investment risk to reach
their long-term goals. They are
likely to be willing to take risk with
a significant proportion of their
available assets

Example asset allocation

Dynamic

Dynamic investors know that higher
risk investments can bring significant
returns in the long run. They are
usually willing to take risks with most
of their money to achieve their goals.
They accept that occasional poor
returns are a necessary part of a
long-term investment.

Example asset allocation

Adventurous

Adventurous investors look for a
high return on their capital and are
willing to take considerable risk to
achieve this, usually with all their
available assets

Example asset allocation

Local Investment Advisers

Why Should You Invest?

People invest for many reasons which help establish their financial goals. Some of the most common reasons you might invest include:

Build your wealth: Investing intelligently over time can create wealth, financial freedom, and security through various strategies, fostering prosperity and growth.

Live happily in retirement: Early strategic investing for retirement harnesses time and compounding - earning interest - potentially securing a worry-free, desired lifestyle in your golden years.

Generate an income: Investment generated income provides alternative earning, potentially safeguarding you against economic downturns and unforeseen life events.

Work towards a better future: Investing goes beyond profit. Responsible investment in sustainability, social justice, and the environment can leave a positive legacy for future generations.

Build generational wealth: Long-term investing can build generational wealth and a legacy to leave, allowing you to empower a prosperous future for your loved ones.

Helpful Links

Review Your Savings & Investments

Our Savings & Investment Services

Why Should You Invest?

Simple Steps to Investing

Why Choose Us

Our Approach to Investing

Frequently Asked Questions

Our Pension & Retirement Services

Meet Our Financial Advisers

Our Ongoing Service

Your financial adviser will support you and give tailored advice to suit your personal circumstances.

BOOK A CALL

The Real Value of Financial Advice

" Most unadvised customers would experience better financial outcomes if they followed professional financial advice."

Source: Adviser Delta, a Quilter research paper on the importance of advice, June 2019.

Please note, this research was originally conducted in 2016. The figures quoted are likely to have changed over time and should not be used as advice. It is intended for illustrative purposes only.

Consider this example:

Average retirement income without financial advice £17,168.

Average retirement income with financial advice £24,175. This is 40% higher (£7,007) than without financial advice.
Over a 21-year retirement, this means having an extra £147,147.

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

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.

SPEAK TO AN ADVISER

Your financial adviser will support you and give tailored advice to suit your personal circumstances.

BOOK A CALL

Frequently Asked Questions

What is the difference between saving and investing?

Saving typically involves setting aside money in a secure account for short-term goals or emergencies, earning minimal interest. Investing, on the other hand, involves putting money into assets like stocks, bonds, or funds with the aim of achieving higher returns over the long term, though it carries more risk.

How do I decide between a savings account and an investment?

If you need access to your money in the short term or want to minimise risk, a savings account is often more suitable. For long-term goals, investing could offer higher potential returns, though it comes with greater risk. The right choice depends on your time horizon, risk tolerance, and financial goals.

What types of investments are available to me?

Common investment types include stocks, bonds, mutual funds, property, and alternative investments like commodities or private equity. Each carries different levels of risk and potential returns.

How can I reduce the risk when investing?

Diversification is a key strategy for managing risk. By spreading your investments across different asset classes, sectors, and regions, you reduce the impact of poor performance from any single investment. Regular reviews and balancing your portfolio can also help manage risk.

What is an ISA, and how can it benefit me?

An Individual Savings Account (ISA) allows you to save or invest in a tax efficient account', up to the annual limit set by the government. There are different types of ISAs, including Cash ISAs, Stocks and Shares ISAs, and Lifetime ISAs, each offering unique benefits.

How much should I save or invest each month?

The amount depends on your income, expenses, and financial goals. A general rule is to save at least 20% of your income if possible, allocating some to an emergency fund and the rest toward long-term investments/savings.

What is compound interest, and how does it work?

Compound interest is the interest earned on both your initial principal and the accumulated interest from previous periods. This effect can significantly boost the value of your investments over time.

Are investments guaranteed to grow?

No, investments are not guaranteed to grow, and their value can fluctuate. While some investments historically provide long-term growth, there is always a risk of loss. It's important to invest according to your risk tolerance and financial goals.

Why should I review my savings and investments regularly?

Regular reviews help ensure your savings and investments remain aligned with your financial goals, risk tolerance, and any changes in your circumstances or market conditions. It also allows for adjustments with the aim of optimising performance and reduce unnecessary fees.

Do I need a financial adviser for my savings and investments?

While it’s possible to manage your own savings and investments, a financial adviser can provide expert guidance tailored to your specific goals and risk tolerance. Advisers help with creating a diversified investment strategy, tax planning, and navigating complex financial products, which can ultimately save you time, reduce risk, and potentially improve returns.

Book Your Free Consultation with a Local Financial Adviser Near You

We offer complimentary consultations with a local financial adviser, including a free review of your pensions and investments, along with our expert recommendations. It's free, no-obligation, no pressure. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.

Expert Financial Advice UK Wide

Rated Excellent.. Don't just take our word for it!

Investment Risk Profiles

Risk Averse

Conservative

Balanced

Moderate

Dynamic

Adventurous

Local Investment Advisers

Why Should You Invest?

Helpful Links

The Real Value of Financial Advice

Consider this example:

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.

Why choose Beals Financial Advisers?

Frequently Asked Questions

What is the difference between saving and investing?

How do I decide between a savings account and an investment?

What types of investments are available to me?

How can I reduce the risk when investing?

What is an ISA, and how can it benefit me?

How much should I save or invest each month?

What is compound interest, and how does it work?

Are investments guaranteed to grow?

Why should I review my savings and investments regularly?

Do I need a financial adviser for my savings and investments?

Book Your Free Consultation with a Local Financial Adviser Near You

Looking for a financial adviser near you?

OUR FINANCIAL SERVICES