Our team has carefully examined Fairstone. This top UK financial planning and wealth management firm offers various services. We looked at its quality and overall client experience. Fairstone manages over £15 billion in funds and has more than 45 locations in the UK. They specialise in financial planning, investment management, and mortgage services. We looked at the firm’s services, customer support, and reliability to give a clear and fair review.
Key Findings: Pros and Cons
Pros
- Comprehensive Financial Services: Includes financial planning, investment management, protection, and mortgages.
- Independent and Unbiased Advice: Offers whole-of-market financial planning with no provider bias.
- Highly Qualified Advisers: Chartered financial planners with FCA authorisation.
- Nationwide Presence: Over 45 locations across the UK, offering convenient access.
- Transparent Fee Structure: Clear and upfront pricing with no hidden charges.
Cons
- High Minimum Investment: Wealth management services often require at least £100,000 to start. This high amount makes it hard for smaller investors to join.
- Limited Digital Tools: No dedicated mobile app, relying solely on a client portal.
- Potential Adviser Variability: Service quality may vary slightly across different locations.
Fairstone – 2025 Features
| Feature | Details |
| Services Offered | Financial planning, wealth management, and mortgage advice. |
| Funds Under Management | £15 billion+ as of 2025. |
| Minimum Investment | £100,000 for managed portfolios. |
| Independent Advice | Whole-of-market financial planning. |
| Online Platform | Client portal for portfolio monitoring. |
| Customer Support | Phone, email, and in-person consultations. |
| Regulation | Authorised by the Financial Conduct Authority (FCA). |
Quality and Performance
Fairstone provides high-quality financial services that are personalised. They specialise in customised investment management and financial planning solutions.
Comprehensive Financial Planning
- Retirement Planning: Expert advice on pension optimisation and post-retirement income strategies.
- Estate Planning: Strategies for inheritance tax (IHT) can help clients keep and pass on their wealth effectively.
- Tax Efficiency: Utilises tax wrappers, ISAs, and SIPP solutions to enhance tax efficiency.
Tailored Wealth Management
- Customised Portfolios: Investment strategies aligned with individual goals and risk tolerance.
- Active and Passive Strategies: Fairstone provides actively managed portfolios and affordable passive investments.
Protection and Mortgages
- Insurance and Protection: Advisers offer coverage on life insurance, critical illness, and income protection.
- Mortgage Services: Includes buy-to-let, residential, and equity release mortgages, catering to a wide range of client needs.
User Experience
Fairstone provides a professional, client-focused experience. However, its digital presence is limited since there is no mobile app available.
Website Navigation
- Clear Service Categories: Well-structured sections for financial planning, investment management, and mortgages.
- Resource Library: Access to financial guides, blogs, and insights.
Client Portal
- Secure Online Platform: Clients can view and manage their portfolios online.
- Real-Time Information: Access to up-to-date investment performance data.
Lack of Mobile App
- Fairstone doesn’t have a mobile app. This might be inconvenient for clients who want access on the go.
Pricing
Fairstone offers transparent and competitive pricing, with fees clearly outlined.
Fee Structure
- Financial Planning Fees: Typically range from 0.5% – 1.5% of assets under management (AUM).
- Wealth Management Fees:
- Initial Advice Fee: Around 1% of the portfolio value.
- Ongoing Management Fee: 0.75% – 1% annually.
- Mortgage Fees: Fees differ by mortgage type and complexity, with clear details provided.
Minimum Investment Requirement
- Wealth management services usually need a minimum investment of £100,000. This makes Fairstone a good choice for high-net-worth and mass-affluent people.
Reliability & Support
Fairstone is regulated by the Financial Conduct Authority (FCA). This ensures it follows all UK financial rules.
Investment Protection
- Clients are covered by the Financial Services Compensation Scheme (FSCS) for investments up to £85,000.
- Secure Data Handling: Compliance with GDPR and robust data security protocols.
Customer Support
- Support Availability: You can reach us by phone, email, or in-person at more than 45 locations throughout the UK.
- Service Quality: Clients say advisers are knowledgeable and responsive. However, service consistency can vary a bit by location.
Frequently Asked Questions About Fairstone
1. What services does Fairstone offer?
Fairstone offers financial planning, wealth management, protection, and mortgage services. They serve both individuals and businesses.
2. How much do Fairstone’s services cost?
Fees usually range from 0.5% to 1.5% of assets managed each year. There may be extra costs for initial advice and mortgage services.
3. Is Fairstone regulated?
Yes, Fairstone is authorised and regulated by the Financial Conduct Authority (FCA). This ensures it follows UK financial regulations.
4. Does Fairstone offer ESG investments?
Yes, Fairstone offers responsible and ESG investment options for clients wanting ethical portfolios.
5. What is the minimum investment required?
Fairstone’s wealth management services usually need a minimum investment of £100,000. This makes them perfect for mass-affluent and high-net-worth individuals.
Quick Guide: Getting Started with Fairstone
- Visit the Website: Go to Fairstone.
- Explore Services: Browse the financial planning, wealth management, and mortgage sections.
- Contact an Adviser: Use the “Book a Consultation” form or call directly to discuss your financial goals.
- Initial Consultation: Schedule a consultation to review your financial situation and explore tailored solutions.
- Portfolio Review: Receive a personalised investment and financial planning proposal.
- Onboarding Process: If you proceed, you’ll be guided through the account setup process.
- Access the Client Portal: Use the online platform to monitor and manage your portfolio.
- Ongoing Support: Stay connected with your adviser for regular updates and reviews.
Independent, Tailored Financial Services with Nationwide Access
Fairstone is a trusted and experienced firm for financial planning and wealth management. They provide independent advice across the entire stock market. It manages over £15 billion in funds and has 45 locations across the UK. It offers clear and personalised financial services to wealthy clients.
With a minimum investment of £100,000, clients get personalised financial plans, tax efficiency strategies, and estate planning help. Fairstone is a trusted option for those wanting complete wealth management. It offers nationwide access and personalised adviser support.
