Whether you are winding down to retirement or still have plenty of working years ahead of you, you need financial advice. It might be general investment to help you save for the future, advice on getting the most out of your pension arrangements, "at retirement" advice or tax-efficient ways of handing an inheritance to your children and grandchildren.www.torquilclark.comSt Marks/Chapel Ash, WV3 0TZ

Cullen Financial Planning understand that your needs change over time. They have designed a service portfolio to ensure the right outcome for you, whatever stage of life?’s journey you are in. Our aim is to build a long term relationship to help you plan mortgages, pensions, insurance protection and investments so that they are in place when you need them. We can also advise you on tax planning, inheritance management and small business investment.www.cullen-fp.co.uk2 Riverview Heaton Mersey, SK4 3GN

Ashley Law provides Independent Financial Advice on a wide range of financial planning issues that include Life Assurance, Protection, Mortgages, Investments, Estate and Inheritance Tax Planning, and Retirement Planning. If you need help with money management, or need help with risks that you face in terms of becoming sick, or hurt in an accident, living too long or dying too soon we can demonstrate ways and advise on solutions that meet these unique needs. Areas serviced: Slough, Bracknell & Maidenheadwww.ashleylaw-maidenhead.co.uk5 Holmwood Cl, SL6 4NL

As independent advisers, our clients benefit from our being able to offer advice on the broadest range of products and services. Whether it be for investment advice, retirement planning, inheritance tax planning or simply reducing costs, we have many years of experience in finding the most suitable solution for our clients' needs. We provide advice and help following a personal / business financial review which can take place at a convenient time and place. Areas serviced: Gloucester & Cheltenhamwww.blakewayhunt.co.uk28 Clarence St, GL1 1DU

We offer truly independent advice for private clients throughout Shropshire, the UK and overseas, on a wide range of financial subjects to include; Investment and Savings, Tax Planning, Inheritance Tax, School Fees, Retirement Planning, Life and Mortgage Protection, Income and Health Protection and Mortgage advice.www.bowyerstyles.co.ukPadmore House/Hall Court/Hall Park Way Town Centre, TF3 4NH

We are able to provide advice on all areas of financial planning including investments, life and critical illness protection, income protection , mortgages, inheritance tax planning and pensions. We are particularly proud of our independent status and feel it is hugely important as we are not tied to any Pension or Investment Provider. Areas serviced: Weston-Super-Marewww.charteredfinancialmanagement.co.uk1 King Sq, TA6 3DG

As fully independent advisers, our clients benefit from our being able to offer advice on the broadest range of products and services. Whether it be for investment advice, retirement planning, inheritance tax planning or simply reducing costs, we have many years of experience in finding the most suitable solution for our clients' needs.www.dcclark.co.ukLochar House, DG1 3NU

As independent advisers we provide independent financial advise related to Life Assurance, Pension Contracts, Unit Trusts, Individual Savings Accounts, Inheritance Tax Planning and Mortgages. We carry out comprehensive financial analysis and offer professional unbiased advice. Areas serviced: Ilford & Chingfordwww.clearviewfm.co.ukHighfield Ho/78 Chalgrove Cres, IG5 0LU

We?’re here to help you achieve your financial objectives and provide practical solutions for all kinds of people. Forging long-term relationships and working in partnership with our clients we help protect against unforeseen circumstances and build financial security. We also advise on how to protect your wealth against the need for long-term care and inheritance TAX mitigation. Areas serviced: Gloucester & Cheltenhamwww.cleeve.co.uk2 Mill Pde/Church Rd Bishops Cleeve, GL52 8RL

If you are looking for an independent financial adviser or for help with your pension, inheritance tax planning or savings and investment strategies you are in the right place. At Daly Harvey Morfitt we pride ourselves on being truly independent ?– able to offer information and advice on products from hundreds of providers of pensions, mortgages, protection and investment products. Areas serviced: South Warwickshire & Banburywww.dalyharveymorfitt.co.uk8 Shottery Brook Office Park/Timothys Bridge Road, CV37 9NR

Achieve your financial goals. We are professionally qualified financial advisers specialising in investments, tax planning, life assurance and pensions. We are authorised & regulated by the FSA and adhere strictly to its code of conduct and customer protection. The Information contained in this web site is for general information only and is not financial, investment or tax advice. Areas serviced: Richmondwww.globeifa.co.ukGlobe House/1 Chertsey Rd, TW1 1LR

The company was established in 1989 by Peter Griffiths who now has over 32 years experience in the Financial Services Industry from investments to Inheritance Tax, Pensions and Unit Trusts. Originally from an engineering background, Peter's logical and analytical mind enables him to view any client requirements from more than one angle. Areas serviced: Kidderminster, Bromsgrove & Redditchwww.petergriffiths.com6 Swindell Rd, DY9 0TN

We specialise in investments, ISA's, pensions, retirement planning, life, critical illness & permanent health insurance, inheritance tax planning, mortgages and related protection policies. The first meeting is free, thereafter either on a commission or fee basis. Areas serviced: Islington & Haringeywww.mslifa.com339 Seven Sisters Rd, N15 6RD

Pennant specialises in providing comprehensive advice incorporating, as appropriate, Investment & Savings, Retirement Planning, Mortgages and Inheritance Tax. No-one likes paying tax and we endeavour to help you reduce your tax liability. If you wish to trade on the stock market we can also provide execution-only share dealing services Areas serviced: Dundee Perth Localwww.pennantifa.co.uk84 High St, DD11 1HL

As well as helping our clients create wealth over the years, Phelan Wealth Management spends a lot of time helping clients protect the wealth they already have. We make financial issues like Inheritance Tax Planning interesting and encourage you to think about your own situation. Areas serviced: Fareham & Gosportwww.phelan.co.ukUnit F5/Fareham Heights/Standard Way, PO16 8XT

Income tax, Corporation tax, value added tax (VAT), capital gains tax,inheritance tax, National Insurance and all other UK taxes. Information on these and other financial issues is given here. In additional to accountancy & taxation planning Taxaccount Limited can also offer anyone access to the whole Independent Financial Advice market [IFA] and provide PC services (build, repair, upgrade & security issues). Areas serviced: Lambethwww.taxaccount.co.uk2 Village Way, SE21 7AW

We are fee-based Independent Financial Advisers (IFAs) with branches in Chipping Norton and Reading. We can give advice on the whole of your financial affairs including pensions and investment, inheritance tax planning, life and health insurance policies, mortgages, tax, building societies and bank accounts. Areas serviced: Oxfordwww.wiseinvestment.co.ukLecton Hall/West St, OX7 5LH

Investasure Financial Services Limited have been looking after Clients financial affairs since 1973 and as such, we are one of the longest established insurance advisory companies in the Isle of Man. Receive appropriate professional advice relating to any financial aspect of your Inheritance tax Planning for estate purposeswww.investasure.com1 Athol St Douglas, IM1 1LD

As one of the leading independent firms of chartered accountants and business advisers in Scotland, Henderson Loggie provides a comprehensive, quality service, meeting the needs of clients throughout the UK in a practical and economic way. We offer a full range of services including audit and accountancy, enhanced by specialists in business advisory, tax, insolvency, public sector and corporate finance. In addition, Henderson Loggie Financial Services Ltd provides independent financial advice. Areas serviced: Dundee Perth Localwww.hendersonloggie.co.ukRoyal Exchange Buildings/Panmure St, DD1 1DZ

Burns-Anderson PLC is a financial adviser network. We also offer compliance support services for firms directly authorised by the Financial Services Authority. Our member firms offer a range of services covering wealth management, savings and investments - including ISA?’s, unit trusts, investment trusts, inheritance tax planning and school fees -pensions, mortgages, protection and general insurance. Areas serviced: Bristol Southwww.burns-anderson.co.uk27 Great George St, BS1 5QT

Blackstone Moregate are Independent Financial Advisors who specialise in working with Individuals and corporates, in conjunction with Blackstone Franks, Chartered Accountants to provide you with unique tax-driven advisory solutions. We look after your important financial needs such as life and pensions whilst also undertaking specialist work, such as Inheritance tax, setting up trusts for children and assisting you in will writing. Areas serviced: Central Londonwww.blackstonemoregate.comBarbican House/26-34 Old St, EC1V 9QR

Regulated directly by the FSA, Premier Independent Investments (UK) Ltd. is a truly independent firm of IFAs with a wealth of experience in advising members of the public in all aspects of financial planning. Whatever your financial planning needs be it investing money, planning for retirement, provision for school fees, long term care, family or business protection, Inheritance tax planning, we can, by the use of sophisticated research and data systems produce solutions for your needs. Areas serviced: Sutton Coldfield, Tamworth & Lichfieldwww.ethicaladviser.co.uk278 Penns La, B76 1LG

We are a small, experienced and highly qualified friendly team of specialists who take our clients money very seriously. Our aim is to give the best possible advice to allow our clients to make the right financial decision for them, whether it be investing for capital growth or to produce an income, mitigate inheritance tax, plan for retirement, ensure loved ones are adequately protected or any other financial matter.www.kwmonline.co.uk1 Brassey Rd, SY3 7FA

Coming from a stockbroking and accounting background we have developed into general practitioners of investment and financial advice, offering a range of IFA services sourced from the whole of the market: Portfolio Management, Life Insurance, High Net Worth Residential and Investment Mortgages, Inheritance Tax Planning, Pensions including Self Invested Personal Pensions (SIPPs), Investing for childrenwww.accudo.co.uk42 Hackwood Rd, RG21 3AE

We specialise in providing unbiased advice to high net worth private clients and Ownwer Managed Businesses. We can offer advice on all aspects of personal financial planning, however we specilise in providing advice on wealth creation and protection, which includes areas such as lump sum and portfolio planning for both growth and income, together with advice on tax planning. Areas serviced: Hertford & Bishop's Stortfordwww.eversley.co.uk19-21 Bull Plain, SG14 1DX

The Legal Brokerage was established in 1999. It was developed by Solicitors and Financial Advisers who prefer commonsense to complication. Inheritance Tax Mitigation, Long Term Care Planning and Investment Management are frequent neighbours. We specialise in these disciplines and if appropriate can link our solutions. If you face a problem contact us. The options we offer can be accessed if you complete our referral form or just telephone our office. Areas serviced: Bournemouth & Poolewww.legalbrokerage.co.uk52 Parkstone Rd, BH15 2PU

We offer a professional service in all matters relating to estate planning including: will writing, inheritance tax advice and planning. We can also provide document storage and general financial advice. At Heritage Will Writing we take pride in our ability to offer our clients an excellent level of service that is tailored to their individual needs. Areas serviced: Southamptonwww.heritagewillwriting.co.ukHeritage House/93 Desborough Rd, SO50 5NT