Business Details
Independent Financial Advisers in Penistone
Q E D Financial Associates has built a reputation as a trusted provider of independent financial advice, serving over 800 clients across Yorkshire. Our team of experienced advisers, with decades of combined industry expertise, specialises in retirement planning, inheritance tax mitigation, and investment management. As an FCA-authorised firm, we prioritise impartiality by operating independently of any product providers, ensuring our recommendations align solely with client needs. We conduct thorough risk assessments and tailor solutions to individual circumstances, combining technical proficiency with clear communication.Our commitment to transparency is demonstrated through detailed explanations of options, tax-efficient strategies, and ongoing portfolio monitoring. The firm's longevity, with some client relationships spanning 30 years, reflects our dedication to building trust through consistent performance and ethical practice. We offer flexible consultation options, including home visits, and maintain a client-centric approach that values long-term partnerships over transactional interactions.
Services
Retirement Planning
Inheritance Tax Planning
Managed Portfolio Service
Life Assurance
Critical Illness Cover
Income Protection
Stocks & Shares ISAs
Occupational Pension Advice
Highlights and features
- We offer 30+ years' combined experience in independent financial advice
- Our FCA-authorised status ensures regulatory compliance and client protection
- We provide tailored solutions through comprehensive risk profiling assessments
- Our impartiality is guaranteed as we're not tied to any product providers
- We maintain transparent communication with regular portfolio performance reviews
Associations and certifications
- Financial Conduct Authority
What people say
Highly recommended without a doubt
Would certainly recommend excellent service
Confident my money is in safest hands
Results exceeding expectations
Very professional advice
Services
Retirement Planning
Our retirement planning service helps clients prepare for financial independence through comprehensive pension strategies. We analyse workplace, personal, and self-invested pensions to create tax-efficient withdrawal plans. With expertise in flexi-access drawdown and annuity options, we help clients maximise their retirement income while minimising tax liabilities. Our advisers consider individual risk profiles and lifestyle goals to create sustainable income solutions.
Inheritance Tax Planning
This service focuses on minimising inheritance tax liabilities through strategic estate planning. We assess clients' asset portfolios to identify tax-efficient gifting strategies, trust structures, and charitable donations. Our advisers help clients utilise available exemptions and reliefs while maintaining financial security. The service includes regular reviews to adapt to changing circumstances and tax legislation.
Managed Portfolio Service
Our managed portfolio service offers professionally curated investment solutions across different risk profiles. The Clarion and Avant fund ranges provide options from defensive to aggressive growth strategies. We conduct ongoing portfolio monitoring and rebalancing to maintain alignment with clients' objectives. The service includes access to detailed performance reports and tax-efficient investment structures.
Life Assurance
We provide tailored life assurance solutions to protect families and dependants against financial hardship. Our advisers assess clients' specific needs to recommend appropriate coverage levels and policy types. The service includes reviews of existing policies to ensure adequate protection and cost-effectiveness. We offer whole-of-life and term assurance options with competitive premium structures.
Critical Illness Cover
This service offers financial protection against income loss from serious health conditions. We help clients select appropriate coverage levels and policy terms based on individual circumstances. Our advisers explain policy exclusions and claim processes to ensure clarity. The service includes reviews to adjust coverage as clients' needs evolve over time.
People
Wayne N Harper
Independent Financial Adviser - Director
With 30 years' experience, Wayne specialises in holistic financial advice. He combines technical expertise with practical solutions for clients' retirement and investment needs. His approach focuses on long-term relationships and sustainable financial planning.
Mark Sanderson
Independent Financial Adviser - Director
Mark brings 30 years of industry knowledge to his advisory role. He specialises in creating personalised financial security plans, focusing on clients' specific goals while maintaining a conversational approach to complex financial matters.
Karen Harper
Assistant Director
Karen contributes extensive administrative and operational expertise to QED. With a background in local government and franchising, she ensures smooth business operations while maintaining client-focused service standards across the organisation.
Nicola Wall
Independent Financial Adviser
Nicola offers commercial expertise gained from global purchasing roles. She specialises in problem-solving financial situations, creating tailored solutions that align with clients' personal and professional circumstances while maintaining a client-first approach.
Jason J Beecroft
Independent Financial Adviser
With 22 years in financial services, Jason specialises in pension and investment advice. He focuses on finding practical solutions for diverse client situations, combining technical knowledge with clear communication to help clients achieve their financial goals.
Questions
What areas do QED Financial Associates cover?
We primarily serve clients across Yorkshire, with our main office located in Penistone. Our services extend to all areas within this region, and we offer flexible consultation options including home visits.
How does QED ensure impartial financial advice?
As independent financial advisers not tied to any product providers, we have access to the whole market. This independence allows us to select the most suitable solutions based solely on our clients' needs and objectives.
What investment options does QED offer?
We provide a comprehensive range including the Clarion and Avant managed portfolio services, Stocks & Shares ISAs, unit trusts, OEICs, and onshore bonds across different risk profiles from defensive to aggressive growth.
How does QED handle existing financial arrangements?
We conduct thorough reviews of existing pensions, investments, and protection policies to assess performance and suitability. Our advisers then recommend improvements or alternatives where appropriate to better meet client needs.
What makes QED different from other financial advisers?
Our combination of 30+ years' experience, FCA authorisation, and truly independent advice sets us apart. We maintain long-term client relationships through transparent communication and tailored financial solutions.
How can I start working with QED Financial Associates?
Arrange a free, no-obligation consultation through our website or by phone. During this initial meeting, we'll discuss your financial goals and explain how our services can help you achieve them.
Reviews (4)
Lizzy Rotimi-Kotun
Sep 18, 2021
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Esther Crossley
Apr 30, 2021
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I recently used QED to set up a private pension. Jason was very helpful, down to earth and informative. He explained everything thoroughly to me and helped me understand the financial terms I was unfamiliar with. I am confident that my money is being looked after, and will be, for many years to come.
Ian Wilkinson
Jan 27, 2021
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QED have manged my portfolio for a number of years,although not large ,the advice and service I receive is second to none, Whenever I want to review the portfolio Mark Sanderson is always available, regular detailed updates come to me automatically and I can always access on line. Despite the recent financial ups and downs my portfolio has continued to grow and has increased its value despite me taking my 25% tax free allowance. For peace of mind and growth your investments are in good hands with QED
Heidi Dawson
Dec 09, 2020
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Having been offered a bonus to transfer out of my frozen company pension, I took the opportunity to have QED undertake a full review of my pension arrangements. Mark Sanderson conducted a full review of all my pensions, investments and savings, which were scattered around in small pots and advised consolidating them into one scheme. We looked at my attitude to risk and my plans pre and post retirement and transferred into a single, easy-to-manage portfolio. Mark guided me through the process, which was tricky, as there were deadlines to meet, but QED met all the necessary dates and my pension
