How do I know an adviser is FCA-regulated?

All UK financial advisers must be authorised by the Financial Conduct Authority. You can verify any adviser on the FCA Register at register.fca.org.uk before booking a meeting.

How much does a financial adviser cost?

Initial consultations are often free. Ongoing advice typically costs 0.5%–1% per year of assets managed, or a fixed fee for one-off planning. Always ask for a clear fee summary before proceeding.

Do I need an adviser for a small inheritance?

For inheritances below around £50,000 with no tax or pension complications, a free guidance service like MoneyHelper may be enough. For larger sums or complex situations, professional advice usually pays for itself.

Will I be pressured to buy something?

A reputable FCA-regulated adviser explains options without pressure. If you ever feel rushed, walk away. Initial conversations through this site are free and no-obligation.

What questions should I ask an inheritance adviser?

Ask about their FCA authorisation, fee structure, experience with inheritances of your size, whether they're independent or restricted, and how they're paid for any product recommendations.

Speak To An Adviser

Talk to an FCA-regulated adviser when you're ready

Our free 60-second planner helps us understand your situation, then — only if you'd like — we connect you with a verified UK financial adviser. No pressure. No obligation.

See what people in your situation usually do

UK-focused financial guidance
Aligned with FCA principles
Educational, not advisory

FCA-regulated only

Every adviser in our network is authorised by the Financial Conduct Authority and verified on the FCA Register.

No obligation

Your initial conversation is free. There is no commitment to take any action afterwards.

Takes 60 seconds

Our short planner gathers what an adviser needs so your first call is focused and useful.

How it works

1. Complete the planner. A few short questions about your inheritance and goals — takes about 60 seconds.
2. We match you. Based on your situation, we identify suitable FCA-regulated advisers in our network.
3. Free initial call. Speak to an adviser at no cost. Decide afterwards whether to proceed — entirely your choice.

Why it helps

Mistakes a good adviser helps you avoid

These come up repeatedly in UK financial planning conversations. Knowing them in advance helps you sidestep them quietly. For the full reference, read our UK Inheritance Mistakes Study Guide.

Acting too quickly
Major financial decisions made in the first weeks rarely age well. Most UK advisers recommend a 3–6 month pause before committing significant sums.
Leaving money idle for too long
Cash sitting in a current account loses value to inflation. After your initial pause, having a clear plan matters as much as having one at all.
Not considering the tax position
Inheritance Tax may be settled by the estate, but Income Tax, Dividend Tax and CGT can quietly affect what you do next. ISAs and pensions help shelter much of this.
Gifting without planning
Generous gifts can be brought back into your own estate under the 7-year rule. Annual exemptions and gifts from surplus income help give efficiently.

Who does what. Inheritance Money Advice is an information and introduction service. We do not provide regulated financial advice and we do not make personal recommendations.

If you ask to be introduced to an adviser, we pass your details to an FCA-authorised financial advice firm. Our current intended introduction partner is Life Map Ltd (FCA Firm Reference Number 813341). Any advice you receive is given by that firm, under its own regulatory responsibilities. Whether advice is right for you is your decision — receiving an inheritance does not automatically mean you need advice.

FAQ

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