Business Details
Your Trusted Financial Partner in Warrington
Established as independent financial advisers, we specialise in delivering tailored financial planning solutions to meet diverse client needs. With over three decades of industry experience, our team provides expert guidance across pension planning, life assurance, income protection, mortgage optimisation, and investment strategies. Regulated by the Financial Conduct Authority, we prioritise client-centric service while maintaining strict adherence to regulatory standards. Our expertise extends to wealth management, asset protection, tax planning, and later-life financial solutions for both private individuals and SMEs. We utilise advanced financial tools and maintain partnerships with leading platforms to ensure comprehensive portfolio management.Committed to transparency, we disclose all fees upfront, including mortgage arrangement charges, and operate under the Data Protection Act 2018. Our long-standing reputation is built on ethical practices, technical proficiency, and continuous professional development across key areas like pension transfers and equity release. We actively seek client feedback to enhance our digital services while maintaining personal advisory support. Our Cheshire-based team combines Chartered status with practical experience to deliver strategic financial outcomes.
Services
Pension Planning
Life Assurance
Mortgage Advice
Investment Management
Equity Release
Tax Planning
Wealth Management
Protection Planning
Retirement Solutions
SME Financial Services
Highlights and features
- We have over 32 years of experience in financial advisory services
- Our team holds Chartered status with the London Institute of Banking & Finance
- We provide comprehensive wealth management and tax planning solutions
- Our FCA regulation ensures adherence to strict professional standards
- We offer tailored financial strategies for both private clients and SMEs
Associations and certifications
- Financial Conduct Authority
Services
Pension Planning
We specialise in creating tailored pension strategies to ensure financial security during retirement. Our experts help clients determine optimal contribution levels, select appropriate schemes, and navigate complex tax implications. With extensive experience in pension transfers and later-life planning, we provide comprehensive solutions for both private individuals and business owners.
Mortgage Advice
Our mortgage specialists help clients reduce outlays or secure financing when moving homes. We offer advice on various mortgage products, including later-life options and equity release schemes. With an arrangement fee of 250, we provide transparent pricing while maintaining FCA-compliant advisory services.
Investment Management
We help clients optimise spare capital through strategic investment solutions. Our services cover unit trusts, ISAs, SIPPs, and structured products across multiple platforms. With expertise in portfolio management and market analysis, we create diversified investment strategies aligned with individual risk profiles and financial goals.
Life Assurance
Our protection specialists design life assurance policies to maintain family financial stability in case of premature death. We offer tailored solutions for both personal and business protection needs, including key man insurance and share protection arrangements to safeguard company continuity.
Tax Planning
We provide expert tax planning services to minimise liabilities and optimise financial efficiency. Our strategies include inheritance tax mitigation, trust structures, and compliance with evolving tax regulations. With specialist knowledge in tax-related financial services, we help clients preserve wealth across generations.
People
Mark A Ball
Director - Independent Financial Adviser
With over 32 years' experience, Mark specialises in SME financial solutions, wealth management, and pension transfers. He holds Chartered status with the London Institute of Banking & Finance and possesses advanced qualifications in financial advice.
Questions
What financial services do you offer?
We provide pension planning, mortgage advice, investment management, life assurance, tax planning, and equity release solutions for private clients and SMEs.
Are you regulated by the Financial Conduct Authority?
Yes, QFinancial is authorised and regulated by the Financial Conduct Authority (no. 303315) under the UK regulatory regime.
How do you charge for mortgage advice?
We charge a £250 arrangement fee for mortgage services, with full transparency about our fees and commission received from lenders.
Do you serve clients outside the UK?
Our services are restricted to UK-based consumers under the FCA's regulatory framework and UK financial services legislation.
What qualifications do your advisers hold?
Our team includes Chartered Financial Advisers with advanced qualifications like CeMAP, AdvDipFA, and specialist certifications in protection and pension transfers.
Reviews (6)
Keith Gahan
Feb 25, 2022
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Im waiting the last 8 months to have my pension from my job returned to me as promised by q financial, ive returned all d details they asked for but to still no avail, can u tell me were do i go from here as im financiallly stuck witn a lot of bills that has me under severe pressure lookinb for their money, please can i have some soljutions, im dealing with mabs
Lizz Handley
Apr 20, 2021
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I just want to state how AMAZING Simon & Kirsty has been throughout the process so far of purchasing my first house. He has always gone the extra mile for me and nothing was too big for him, even when he is in the middle of Wales on holiday and I am pestering him! Simon, you truly are an asset to Q Financial! I cannot thank you enough for the help and advise you have given me so far.
Curley S.
Jan 26, 2021
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I'd reccommend Mitch and Andrea at Q finance without hesitation, they went above and beyond in helping me in my first mortgage. Mitch is really personable, while getting the job done in record breaking time. They help at every single stage. An absolute pleasure!
Shirley-Anne Evans
Oct 23, 2020
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What can I say fantastic personal help with finding us the best mortgage offer and help along every step of the way with going through buying our property from beginning to the end and also with finding us the best suited insurance for us so we would definitely recommend with the EXCELLENT SERVICE that they provided us with a massive thank you to Ben & Kirsty
Jade Pendleton
Jun 13, 2020
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We have used Simon at Q Financial Services twice for our mortgage and re-mortgage and we would highly recommend! Friendly, easy to understand advice and overall great service. We will be using them again in the future.
Kev Hughes
May 08, 2020
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Can't thank Simon enough for his advise on getting are first home and also are life cover will definitely be using him again he was great at explaining things to me in a way that I understood them and also he would go out of his way to make sure everything was as it should be would highly recommend using him once again thank you for helping us get are first home :
