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Money Wise Independent Financial Advisers Limited

IFA Financial Advisers · Bath · Est. 1997

29 years

Active Trading

Active

CH Status

1,118

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Company Registration Details

Registered company name	Money Wise Independent Financial Advisers Limited
Companies House number	03399428 →
Company type	Private Limited Company (Ltd)
Registered address	No 1 Bath Quays, BA2 3GZ
City / Region	Bath
Date incorporated	1997
Years trading	29 years
CH status	Active
Specialism	Recorded activity: 74990, 82990 (other business support services)
Index status	Claim this listing →

About Money Wise Independent Financial Advisers Limited

Established in 1997, Money Wise Independent Financial Advisers Limited has over 29 years of trading history, placing it among the more experienced firms in its sector. This longevity reflects sustained client confidence and a track record of adapting to the evolving UK regulatory and market environment.

The Kaeltripton Financial Index records 1663 ifa financial advisers nationally, 6 of them in Bath.

The FCA register lists the firm's permissions, including any pension transfer permission, and its current status.

What IFA Financial Advisers Do

The core of advice is suitability: matching products to a client's objectives, capacity for loss and time horizon. Advisers must hold a minimum Level 4 qualification and agree charges with clients before work begins.

Redress routes exist for authorised advice: complaints to the firm, then the Financial Ombudsman Service.

How to Choose the Right IFA Financial Adviser

Defined benefit transfer advice requires specific FCA permissions, listed against the firm's register entry. Ongoing charges deserve scrutiny: establish exactly what service the percentage buys each year.

A clear fee schedule before engagement is a regulatory requirement, not a favour.

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?

Expect a disclosed initial fee scaled to the work plus, where you take ongoing service, an annual percentage of assets commonly between 0.5% and 1%; nothing is chargeable until agreed in writing.

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

Neither answer is universal: platforms make DIY investing accessible, while advisers add value in the technical layers, tax wrappers, pension rules, estate planning, that compound at scale.

What qualifications should an IFA have?

Minimum Level 4, with Chartered and CFP designations marking advanced qualification. The FCA register lists individual advisers with their own reference numbers.

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.

Other IFA Financial Advisers in Bath

First Financial Advisers LimitedBath · Est. 1997	View →
Robson Taylor Independent Financial Advisers LtdBath · Est. 1994	View →

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Important notice: This page presents publicly available information from the Companies House register. Kaeltripton.com is a directory service and is not affiliated with Money Wise Independent Financial Advisers Limited or any listed firm. 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.

Money Wise Independent Financial Advisers Limited | IFA Financial Advisers | Bath | Est. 1997