Cumbria Financial Advisers Ltd

IFA Financial Advisers · Carlisle · Est. 1963

63 years

Active Trading

Active

CH Status

00750366

Company No

2026

Accounts to

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Company Registration Details

Registered company name	Cumbria Financial Advisers Ltd
Companies House number	00750366 →
Company type	Private Limited Company (Ltd)
Registered address	12 Friars Court 12 Friars Court, CA3 8LF
City / Region	Carlisle
Date incorporated	1963
Years trading	63 years
CH status	Active
Specialism	Recorded activity: 82990 (other business support services)
Index status	Claim this listing →

About Cumbria Financial Advisers Ltd

With over 63 years of continuous trading history, Cumbria Financial Advisers Ltd is one of the longest-established firms of its kind in the UK. Founded in 1963, the firm has navigated multiple economic cycles and regulatory changes, demonstrating the kind of institutional resilience that only comes from decades of sustained operation.

The Kaeltripton Financial Index records 1663 ifa financial advisers nationally, 3 of them in Carlisle.

Confirm authorisation at register.fca.org.uk and check the individual adviser appears on the register too.

What IFA Financial Advisers Do

IFAs advise across pensions, investments and retirement planning, with independence status disclosed in the firm's documents. Charging structures vary, but all must be disclosed and agreed before advice is given.

Ombudsman and FSCS protection follow authorisation, which is why the register check precedes everything else.

How to Choose the Right IFA Financial Adviser

Match the adviser to the need: pension transfers, retirement income and inheritance planning are distinct specialisms. A defined ongoing service, documented and delivered, is what separates advice firms from asset gatherers.

Ask for the total cost of ownership: adviser charge, platform fee and fund charges combined.

Frequently Asked Questions

What is the difference between an independent financial adviser and a restricted adviser?

Independence has a regulatory definition: the firm must consider a sufficiently broad range of retail investment products across the market. Restricted firms advise from a narrower set, and the status must be disclosed before advice.

How much does independent financial advice cost?

Costs vary with complexity: an initial piece such as a pension review sits in the hundreds-to-thousands range, and ongoing management typically charges 0.5% to 1% of assets each year, disclosed and agreed upfront.

Do I need an IFA or can I manage my investments myself?

Self-directed investing through ISA and SIPP platforms works for many people; advice earns its fee where tax planning, pension optimisation, protection and inheritance strategy interact, which is typically at larger or more complex balance sheets.

What qualifications should an IFA have?

Level 4 Diploma in Regulated Financial Planning is the FCA minimum; Chartered Financial Planner and Certified Financial Planner designations indicate study beyond it. Individual advisers can be verified on the FCA register.

What happens if I receive bad financial advice from an IFA?

Complain to the firm first, which must respond within eight weeks; if unresolved, the Financial Ombudsman Service can consider the case and award compensation for eligible complaints, and firms carry professional indemnity insurance behind that.

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Cumbria Financial Advisers Ltd or any firm listed. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Cumbria Financial Advisers Ltd | IFA Financial Advisers | Carlisle | Est. 1963