FAQs

Our Financial Conduct Authority (FCA) registration number is 1049814. You can use this number on the FCA’s Financial Services Register to check our authorisation and regulatory details.

Yes. We prefer to meet in person where possible, but we can arrange a video call if that works better for you.

We usually hold face-to-face meetings at our offices in the City of London. Our address is 34 Lime Street, London, EC3M 7AT. You can find contact details on our Contact us page.

We do not have parking at our office. However, our City of London location is very well connected by train and Tube, making it straightforward to reach us by public transport. The nearest Tube station is Aldgate, but we are also a seven-minute walk from both Bank and Monument stations. Nearby train stations include Fenchurch Street (a four-minute walk), Cannon Street (an 11-minute walk) and London Bridge (a 17-minute walk).

Waymark Financial was founded in 2011. Our roots stretch back further through our founder, Mark Wilson, and his long career in financial services, which you can read more about on our About us page.

We are based in the City of London, EC3M 7AT, although we work with clients beyond our immediate local area. Most of our clients are based in the south-east and East Midlands, where there is relatively easy access to our City office.

Our financial advisers are Chartered, reflecting their professional qualifications and expertise. You can learn more about our team on our About us page.

Yes. You can read and watch client feedback on our Client stories page. You can also visit our VouchedFor profile to read more than 260 independently verified reviews from our clients.

We combine independent advice with a friendly, personal approach, and focus on your long-term goals as well as the challenges you face today. We are experienced, highly qualified and collaborative, working with other professionals where appropriate. You can read more on our Why choose us page.

We are directly authorised by the Financial Conduct Authority (FCA) under firm reference number 1049814. You can use the FCA’s Financial Services Register to check our authorisation and registration details indep

We are based in the City of London, with most of our clients living in the south-east and East Midlands. These areas offer relatively easy access to our office, although we are not limited to working only with people based locally.

Yes. We provide independent financial advice, which means our recommendations are based on what is right for you rather than being restricted to a particular provider. You can find out more about our independent approach on our Why choose us page.

Yes. We can advise on protection, including life insurance, critical illness cover and income replacement. We can consider what protection you need alongside the rest of your financial arrangements.

Yes. We provide investment advice, including advice on Individual Savings Accounts (ISAs). We can consider how these investments fit into your broader financial plan.

Yes. We can help with Inheritance Tax and estate planning. We can consider these areas as part of your wider financial plans.

No. However, we can help you access specialist advice in this area. Where specialist advice is required, we can introduce you to someone with the appropriate expertise.

No. We do not provide advice on transfers from final salary pensions or other defined benefit schemes. This is not an area for which we provide advice.

Yes. We can provide advice on self-invested personal pensions (SIPPs). We can consider an existing SIPP or whether one is appropriate as part of your wider pension planning.

Yes. We can help you consider how to invest money you have inherited. We will look at this in the context of your circumstances and what you want your money to help you achieve.

Yes. We can help with ethical or sustainable investing. We can take your preferences into account when considering suitable investments for you.

Yes. We can help you plan how to take money from your pension tax-efficiently. We will consider this alongside your wider financial circumstances and retirement plans.

Yes. We can help you review multiple pensions and consider whether bringing them together is appropriate for you. Any recommendation will form part of our wider assessment of your financial circumstances.

We can advise on some occupational pensions, depending on the type of scheme you have. We do not provide advice on defined benefit schemes.

Yes. We provide advice on personal pensions. We can consider your pension arrangements as part of your wider financial plans and goals.

No. We do not provide advice on equity release. If this is the specific advice you require, it is not an area we advise on.

We do not provide mortgage advice ourselves. However, we can introduce you to a trusted mortgage adviser who can help you.

For the research, analysis and recommendations stage, the typical fee is £5,000 through our Financial Advice Service and £7,500 through our Wealth Management Service. You can find the full fee ranges on our fees page, with the amount you pay depending on your circumstances and the complexity of the work. We believe in being transparent about our fees, which is why we publish them openly so you can understand the likely costs at the earliest opportunity. Our fees page sets out our charges clearly, helping you make an informed decision about whether our service is right for you.

Our minimum fee depends on the service you need and the work involved. As outlined on our fees page, Financial Advice Service initial fees start at £1,500 and ongoing support has a minimum annual fee of £1,750, while our Wealth Management Service has different minimum fees. We believe in being transparent about our fees, which is why we publish them openly so you can understand the likely costs at the earliest opportunity. Our fees page sets out our charges clearly, helping you make an informed decision about whether our service is right for you.

We agree your fees with you in writing before starting any chargeable work, so you know what you will pay and when. Our fees page explains how initial fees are fixed within stated ranges, while ongoing fees may be fixed or based on a percentage of your investments, depending on the service you choose. We believe in being transparent about our fees, which is why we publish them openly so you can understand the likely costs at the earliest opportunity. Our fees page sets out our charges clearly, helping you make an informed decision about whether our service is right for you.

Your initial meeting is held at our expense, so you will not have to pay for it. It gives us the opportunity to get to know each other before you decide whether you would like to proceed.

We use both approaches, depending on the service you receive. As our fees page explains, initial advice is charged on a fixed-fee basis, while ongoing support may involve either a fixed fee or a percentage of your investments. We believe in being transparent about our fees, which is why we publish them openly so you can understand the likely costs at the earliest opportunity. Our fees page sets out our charges clearly, helping you make an informed decision about whether our service is right for you.

Yes. We may receive commission in relation to protection policies, but only where this has been agreed with you in advance. We will explain the arrangement clearly before you proceed. We believe in being transparent about our fees, which is why we publish them openly so you can understand the likely costs at the earliest opportunity. Our fees page sets out our charges clearly, helping you make an informed decision about whether our service is right for you.

The majority of our services are exempt from VAT, although there are some circumstances where VAT may apply. Our fees page provides more information, and we will always make it clear beforehand if VAT applies to any work we carry out for you. We believe in being transparent about our fees, which is why we publish them openly so you can understand the likely costs at the earliest opportunity. Our fees page sets out our charges clearly, helping you make an informed decision about whether our service is right for you.

We consider the overall cost of investing, including our advice fee, platform charges and investment fund charges, rather than looking at our advice fee in isolation. We also publish our charges on our fees page so you can see what you will pay and consider the value you receive.

Different financial advisers structure their services and fees differently, so a headline fee does not always provide a like-for-like comparison. We benchmark our fees against our peers and publish our charges clearly on our fees page so you can understand our costs and make an informed comparison.

We publish our fees openly so you can understand the likely costs before committing to working with us. On our fees page, you can review our service levels, fee ranges and typical charges before deciding whether you would like to take the next step.

Eligible investments may be protected by the Financial Services Compensation Scheme (FSCS), subject to the scheme's rules and limits. The protection available will depend on the particular investment and circumstances involved.

If you have a complaint, you should first raise it with us, so we have the opportunity to investigate and respond. If you are not satisfied with our response, you may be able to refer your complaint to the Financial Ombudsman Service.

We have robust procedures in place to help protect your personal data and take its security seriously. We have also achieved Cyber Essentials certification.

Yes. We have professional indemnity insurance in place to cover the financial advice we provide.

You can check our details on the Financial Conduct Authority’s Financial Services Register using our firm reference number, 1049814. The Financial Conduct Authority (FCA) register shows our authorisation and regulatory information, so you can verify our status independently.

Yes. We have a selection of stories showing how we have helped clients in different circumstances. You can read and watch them on our Client stories page.

We use feedback from our clients, including more than 260 independently verified reviews on VouchedFor, to understand their experience of working with us.

Yes. We have been recognised as a VouchedFor Top Rated Firm for seven consecutive years. You can read more here about our inclusion in the VouchedFor Top Rated 2026 guide.

Yes. We were early adopters of VouchedFor and have been recognised as a Top Rated Firm for seven consecutive years. You can visit our VouchedFor profile to view more than 260 independently verified reviews from our clients.

Yes. We can support you with your finances following a bereavement. We understand that this can involve significant changes to your financial circumstances and plans.

Yes. We work with company directors and self-employed clients. We can help you consider your personal finances alongside the financial decisions you need to make throughout your working life.

Yes. We work with people who are approaching retirement and those who have already retired. We can provide support as your priorities and financial needs change through these different stages.

Yes. We can help if you have inherited money. We can work with you to consider how it should fit into your existing finances and your longer-term plans.

Yes. We can work with you if you have sold a business or are preparing to sell one. We can help you consider your personal financial plans alongside this significant change in your circumstances.

Yes. Business owners, professionals and people approaching or already in retirement are among the clients we work with. We tailor our advice to your own circumstances, priorities and stage of life.

No. We do not provide financial advice to non-UK residents. Our advice is provided to clients who are resident in the UK.

The right starting point depends on the service you need, and our different services have their own minimum fees. Our fees page explains the full fee structure clearly.

Yes. We can work with you if you already have investments or pensions with other providers. We can review these arrangements as part of the wider picture of your finances.

Yes. We can help you explore whether retiring early could be financially achievable. We can plan around the retirement you want and help you understand how your finances could support it.

Yes. Retirement planning is an area we can help you with. We can work with you as you approach retirement and continue to support you once you have retired.

We mainly work with people who are accumulating assets through our Financial Advice Service and people who are approaching or already in retirement through our Wealth Management Service. Our fees page explains more about the different service levels that we offer.

Yes. Younger clients can use our Financial Advice Service, subject to the applicable minimum fee. We also provide a Foundation Service for the children of existing clients who are beginning to build their financial foundations.

We want you to feel comfortable and confident when working with us, so please tell us if you have any accessibility needs or circumstances that could affect how you engage with financial advice. We can meet with you in person or by video call, and you can bring a trusted friend or relative if you prefer. Our approach is to explain financial matters clearly and without unnecessary jargon, helping you understand your options and make informed decisions.

Yes. We have a female financial adviser you can work with. If this is your preference, please let us know when you arrange your meeting.

We work as a team, so you are not left without support when your usual financial adviser is away. You can contact another member of the team if you need help.

We hold an annual review in person as part of our ongoing relationship with you. You will also receive regular updates and blogs from us, and you can visit our Resources page to explore our latest insights and information.

Yes. Cashflow forecasting and planning are integral parts of the service we provide, helping you understand how your finances may develop over time. They can also help you see how different decisions could affect your ability to achieve your goals.

Please contact your financial adviser if your circumstances change. We can then consider what has changed and whether your financial plan needs to be updated.

Yes. We work collaboratively with accountants, solicitors and other professional advisers where appropriate, helping to keep the different parts of your financial affairs coordinated. You can read more on our Why choose us page.

Yes. We can coordinate with your mortgage adviser if they need information from us. This helps the professionals supporting you work together when necessary.

Our senior financial adviser is a director and major shareholder of the firm, which provides continuity and makes this less likely. We also operate as a team, helping to provide continuity of support for you.

Yes. We can show you an example of a financial plan. This can help you understand what your own plan could look like and how the information is presented.

We do not currently provide a separate Waymark Financial online portal. You can still view your investments online through your selected investment platform.

Yes. You will be able to view the value of your investments online through your selected investment platform.

We usually meet annually for your ongoing review. You may meet with us more frequently when you first become a client or if your circumstances change and you need additional support.

You can book an initial meeting by getting in touch through our Contact us page or by giving us a call. We will then arrange a convenient time to meet.

No. Your initial meeting is held at our expense, giving you the opportunity to get to know us before deciding whether you would like to work together.

Before your initial meeting, we will send you a pack containing the information you need. This will include a questionnaire for you to complete ahead of the meeting.

Your first meeting is an opportunity for us to get to know you, your circumstances and what you would like to achieve. It also gives you the chance to get to know us and decide whether we are the right people to work with.

You should allow around 90 minutes for your initial meeting. This gives us enough time to understand your position and goals, while giving you plenty of opportunity to ask questions.

No. There is no obligation to sign up to our services at your initial meeting. The meeting is there to help both you and us decide whether working together feels right.