🔥 58,000+ people matched with FCA-regulated advisers through Nesto — join them today →
⭐ Rated 4.9/5 · FCA Regulated · Free Service
Find a Financial Adviser in the UK
Life's biggest decisions deserve expert financial guidance. Get matched with a qualified, independent financial adviser who'll help you navigate complex finances — from divorce settlements to inheritance planning, retirement to major life changes.
✅ No credit check⚡ Matched in minutes🔒 FCA regulated
£35kaverage cost of poor financial decisions
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
Why use an independent Financial Adviser?
Financial decisions affect every part of your life — yet most people make them without professional guidance. Whether you're going through a divorce, planning for retirement, dealing with an inheritance, or simply want to get your finances in order, an independent financial adviser reviews your complete financial picture and creates a plan tailored to your specific needs. They access the whole market, not just a handful of providers, ensuring you get the best possible advice.
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Whole-life planning
An independent adviser considers your complete financial picture — income, assets, debts, goals — to create a joined-up plan.
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Divorce & separation
Navigate the financial complexities of divorce with expert guidance on settlements, pensions, property, and future planning.
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Major life changes
Marriage, inheritance, redundancy, retirement — get expert guidance when life's biggest financial moments arrive.
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Whole of market
Independent advisers search the entire market for the best solutions — not just products from a limited panel.
Every adviser matched by Nesto is independently FCA-authorised and regulated
"I'd been putting off finding a pension adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
Sarah M.
London · Financial Adviser customer
★★★★★
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
James K.
Manchester · Financial Adviser customer
★★★★★
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Priya S.
Birmingham · Financial Adviser customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of pension adviser you need.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Financial Adviser from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
Expert guidance on pension splitting, asset division, maintenance calculations, and rebuilding finances after separation.
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Inheritance planning
Protect and grow inherited wealth with tax-efficient strategies, investment planning, and estate management.
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Financial planning
Build a comprehensive financial plan covering savings, investments, pensions, protection, and tax efficiency.
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Retirement planning
Plan the transition from working life to retirement — income strategies, pension access, and lifestyle planning.
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Tax planning
Minimise your tax liability legally through allowances, reliefs, and efficient structuring of your finances.
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Protection advice
Ensure your family is protected with the right life insurance, income protection, and critical illness cover.
Got Questions?
Frequently asked questions about Financial Advisers
Any time you face a significant financial decision — divorce, inheritance, retirement, job change, property purchase, or when you simply feel your finances need professional review. The cost of poor financial decisions often far exceeds the cost of advice.
Fees vary. Initial consultations are often free or fixed-fee (£150–£500). Comprehensive financial planning typically costs £1,000–£3,000. Ongoing advice is usually 0.5–1% of assets under management. All fees must be disclosed upfront.
Yes — this is one of the most valuable times to get advice. A financial adviser can help with pension sharing orders, asset valuation, settlement negotiations, maintenance calculations, and creating a financial plan for your post-divorce life.
An Independent Financial Adviser (IFA) considers the whole market. A restricted adviser only recommends from a limited panel. For comprehensive financial planning, an IFA is almost always preferable as they can find the best solution from all available options.
Many people manage basic finances successfully. But complex situations — divorce, inheritance, retirement planning, tax optimisation — often benefit enormously from professional advice. A good adviser typically saves or earns you far more than their fee.
Yes. IHT planning is a core area of financial advice. An adviser can help you use allowances, set up trusts, make tax-efficient gifts, and structure your estate to minimise the inheritance tax burden on your beneficiaries.
Look for: FCA authorisation, independent (whole-of-market) status, relevant qualifications (Level 4+), experience with your specific need, transparent fees, and good reviews. Nesto verifies all of these for you.
Absolutely. Retirement planning is a core service. They'll review your pensions, savings, and investments, model your retirement income, and create a plan to ensure you can retire when and how you want.
Financial planning is a holistic review of your finances — income, spending, savings, investments, pensions, protection, and tax. It creates a roadmap for achieving your life goals. Most people benefit significantly from having a professional plan.
Yes. After losing a loved one, there are many financial decisions to make — probate, inheritance, pension nominations, insurance claims, and restructuring your own finances. An adviser provides expert guidance during a difficult time.
At minimum, Level 4 Diploma in Financial Planning (DipPFS or equivalent). For specialist areas like pensions or long-term care, additional qualifications may apply. All advisers on Nesto's panel meet or exceed these requirements.
While specialist debt advisers exist, a financial adviser can help you create a plan to manage and reduce debt as part of broader financial planning — especially if you have both debts and assets to balance.
An annual review is recommended for ongoing clients. You should also seek advice when circumstances change — divorce, inheritance, job change, property purchase, or any major financial decision.
The FCA is the UK regulator for financial services. FCA-regulated advisers must meet strict standards of competence, conduct, and financial protection. If something goes wrong, you have access to the Financial Ombudsman and FSCS compensation.
A financial adviser can help with the broader financial planning around property purchase — deposit strategy, budget planning, and coordinating with mortgage brokers. For mortgage-specific advice, Nesto also matches with specialist mortgage brokers.
Still have questions? Your matched adviser will answer them all — for free.
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
