Business Details
20 Years
experience
Trusted Independent Financial Advisers in Sutton Coldfield
We are Ethical Adviser, an established independent financial planning firm dedicated to providing impartial, client-focused advice. With decades of combined experience, our team specialises in pension consolidation, inheritance tax mitigation, and ethical investment strategies tailored to individual needs. We prioritise transparency, ensuring clients fully understand their options while navigating complex financial decisions. Our services include lifetime mortgage solutions, retirement planning, and risk-appropriate investment management. As FCA-authorised professionals, we uphold rigorous regulatory standards while maintaining a personal approach to client relationships.Our commitment to ethical financial practices ensures clients' values align with their investment choices. We offer initial consultations at no obligation, reflecting our confidence in delivering measurable value. Our Sutton Coldfield-based practice serves clients nationwide, combining local expertise with national market knowledge. We actively monitor financial products to secure optimal outcomes for clients, representing their interests rather than financial institutions. With a track record spanning over 30 years, we continue to build trust through consistent, reliable financial guidance.
Services
Pension Advice
Investment Advice
Inheritance Tax Planning
Lifetime Mortgage
Ethical Investments
Details
- Year established: 2006
Highlights and features
- 30+ years of financial advisory experience
- FCA-authorised independent advice
- Personalised retirement planning solutions
- Ethical investment screening expertise
- Transparent fee structure
Associations and certifications
- Financial Conduct Authority
What people say
Trust, reliability
Personalised service
Expertise
Satisfied clients
Ethical focus
Services
Pension Advice
We provide independent pension consolidation and retirement income planning services. Our experts help clients navigate complex pension options while ensuring tax-efficient withdrawals. With FCA regulation compliance, we focus on creating sustainable retirement income streams tailored to individual circumstances through comprehensive financial analysis.
Inheritance Tax Planning
Our specialist inheritance tax mitigation strategies help preserve family wealth. We conduct detailed asset valuations to identify tax exposure and implement legitimate tax-reduction solutions. Services include lifetime asset restructuring and trust establishment, ensuring clients' wishes are fulfilled while minimising tax liabilities for beneficiaries.
Lifetime Mortgage
We offer expert guidance on accessing property equity while maintaining residency rights. Our advice covers all available equity release products with independent analysis of long-term financial implications. We ensure clients understand lifetime mortgage terms and select solutions aligned with their retirement objectives.
Ethical Investments
Our ethical investment screening service aligns financial goals with personal values. We monitor investment funds against specified ethical criteria while maintaining growth potential. This service includes ongoing portfolio reviews to ensure continued alignment with clients' social and environmental preferences.
Investment Advice
We provide risk-appropriate investment strategies that balance growth potential with capital preservation. Our approach matches clients' risk tolerance to diversified portfolios while navigating low-interest environments. Services include regular portfolio reviews and market opportunity analysis to optimise long-term financial outcomes.
People
Martin Brennan
Director
Martin Brennan, FCA-authorised financial adviser with 30+ years' experience, specialises in ethical financial planning. He established Ethical Adviser to combine regulatory expertise with client-centred service, focusing on pension consolidation and inheritance tax mitigation while maintaining strict ethical standards.
Questions
What financial services do you specialise in?
We specialise in pension advice, inheritance tax planning, lifetime mortgages, ethical investments, and retirement income strategies.
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FRN 923809).
How do you ensure ethical investment compliance?
We screen and monitor investment funds against your specified ethical criteria to ensure ongoing alignment with your values.
Do you offer initial consultations?
Yes, we provide initial consultations with no cost or obligation to discuss your financial planning needs.
What areas do you cover?
Based in Sutton Coldfield, we provide services nationwide across the UK through face-to-face and remote consultations.
