How to Find a Financial Adviser in the UK

If you farm, or your wealth is tied up in land, property, or a family business, your financial situation is probably more complex than most. Significant assets, succession questions, the recent changes to Agricultural Property Relief, and perhaps a nagging sense that you should have spoken to someone about all of it by now.

But this guide isn't just for farmers. Anyone sitting on substantial assets, whether that's investments, property, a pension, or a business, faces the same core challenge: finding a financial adviser who's actually worth trusting with your money.

Boring Money is an independent financial information platform, no jargon, no products to sell. Here's how to find the right adviser for your situation.

Is financial advice right for you?

The first question to ask isn't "which adviser?", it's "do I actually need one?"

Financial guidance is freely available online and can be genuinely useful. But it's not tailored to your situation, and it can't tell you what you specifically should do with your money. Only a regulated financial adviser can do that.

There's also a practical threshold to bear in mind. Most financial advisers will only work with people whose investable assets exceed a minimum, typically around £100,000, and closer to £200,000 for the larger wealth managers. If your wealth is tied up in land, property, or a business rather than cash or investments, it's worth being upfront about that early; some advisers are much better equipped to handle complex or illiquid assets than others.

- Financial advice may not be suitable if you do not have a relatively large amount of money. If you're considering traditional financial advice, you should really have at least £100,000 in investments or pensions — that's the average minimum a financial adviser will work for.

Holly MackayFounder & CEO, Boring Money