Welcome to Waterhouse Financial Advisers Ltd: specialist financial advisers in Somerset

At Waterhouse Financial Advisers Ltd, we believe that every financial journey is unique and deserves a tailored approach. Based in Somerset, our expert advisers are dedicated to helping you work towards achieving your financial goals through personalised advice and comprehensive planning. Whatever stage you’re at in life, we’re here to provide support, expertise and advice to help you on your way.

About us

We are Waterhouse Financial Advisers Ltd, a specialist financial services firm based in Somerset. Established in 1998, our advisers have years of knowledge and experience across the full spectrum of financial planning matters.

We pride ourselves on our knowledge and personalised advice, tailored to our clients’ unique needs and circumstances. We understand that every client’s journey is different; that’s why we take the time to get to know you and understand your goals and aspirations, enabling us to develop a plan that moves and flexes as your circumstances change.

Let’s go on a journey

Everybody’s financial journey is different; however, at Waterhouse Financial Advisers Ltd we know that there are certain life stages that often prompt our clients to seek support.

Mortgages

Navigating the property market can be challenging, no matter where you are in your property journey. We offer professional advice on mortgage options and property investments tailored to your life stage. Whether you're buying your first home, expanding for a growing family or downsizing for retirement, we are here to help you make informed decisions that align with your financial goals.

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Protection

Life is full of uncertainties, but with the right protection insurance, you can be prepared for whatever comes your way. We help you achieve financial stability and peace of mind by offering advice on the wide range of protection options available for you, so you and your loved ones are financially secure, no matter what life throws at you.

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Savings and Investments

Building wealth requires strategic planning and expert guidance. We’re on hand to support you in working towards growing your savings and creating an investment portfolio that aligns with your goals. From setting up ISAs and optimising your pension contributions to selecting and diversifying your investments, we can help you navigate the complexities of wealth management to bring you closer to financial independence.

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Equity Release

Equity release is normally available to those aged 55 and over, proving to be a financial lifeline for those living in properties that may be worth hundreds of thousands of pounds but with insufficient income. More and more people are using equity release to, pay down debts, boost their income, help enjoy a comfortable retirement or plan capital expenditure.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

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Pensions

Ensuring a comfortable retirement takes careful financial planning across your lifetime. We can help you maximise your pension savings, explore additional tax-efficient income streams, and work towards having the financial means to live your retirement years as you wish. We work with you to create a comprehensive retirement plan that aligns with your goals, providing peace of mind and financial stability in your golden years.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested

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Inheritance Tax

Leaving a legacy involves more than just financial planning; it’s about preserving your hard-earned wealth and passing it on to your loved ones in the most efficient way possible. We’ll assist you in balancing your current lifestyle with your future goals, navigating the complexities of Inheritance Tax and ensuring as much of your hard-earned wealth as possible is left for your loved ones.

Inheritance Tax Planning is not regulated by the Financial Conduct Authority

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Defined Benefit (DB) Pensions

A defined benefit (DB) pension, or final salary scheme, is a workplace pension which pays out an annual income, normally payable monthly, based on how much you are earning when you retire. The income you ultimately receive from your pension is a guaranteed, pre-agreed amount, hence the name 'defined benefit.'

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Why Work With Us

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