Important information
Our status, stated as plainly as we can manage. If you read one page on this site, make it this one.
The short version
Despite the domain name, this website is not a financial adviser. It is an independent education site. Nothing here is regulated financial advice, and we are not authorised by the Financial Conduct Authority. For advice about your own money, see an FCA-authorised adviser.
Our regulatory status
- FinancialAdvisor.co.uk is a publisher of general information and education about financial topics for UK consumers.
- We are not authorised or regulated by the Financial Conduct Authority, and we do not carry out regulated activities: we do not advise on, arrange, sell, or manage investments, pensions, mortgages or insurance.
- Nothing on this site is a personal recommendation. Our content does not — and cannot — take account of your individual circumstances, objectives or financial situation.
- We do not communicate financial promotions for specific regulated products or firms. Where third-party advertising appears on the site, it is the advertiser's own communication, clearly distinguishable from our content, and subject to the advertiser's own legal obligations (including, where applicable, approval under section 21 of the Financial Services and Markets Act 2000).
- We are not an introducer, lead generator, broker, comparison service or marketplace. We never pass your details to financial firms.
What this means for your protections
Because we are not an authorised firm and provide no regulated services:
- You cannot complain to the Financial Ombudsman Service about anything on this site.
- You are not covered by the Financial Services Compensation Scheme in relation to this site.
- Decisions you make after reading our content are your own. Our content is a starting point for understanding, not a substitute for advice.
Those protections do exist — they attach to FCA-authorised firms. That's precisely why our Check an Adviser toolkit teaches you to verify authorisation on the FCA Register before engaging anyone.
About our content and tools
- We work to keep content accurate and current, but tax rules, allowances, rates and regulation change. Always verify time-sensitive figures on GOV.UK or with an authorised adviser before acting.
- Calculator results are illustrations based on the assumptions you enter, stated on each page. They are not forecasts, quotes or guarantees. Capital invested is at risk; investment values fall as well as rise; past performance is not a guide to future returns. Your home may be repossessed if you do not keep up repayments on a mortgage.
- Calculators run entirely in your browser; we do not collect or store the figures you enter.
- We do not use AI tools to answer personal financial questions, and we don't offer any chatbot or interactive service that responds to your individual circumstances.
Free, impartial help that is government-backed
- MoneyHelper — free guidance on money matters, backed by government.
- Pension Wise (via MoneyHelper) — free appointments about defined-contribution pension options for over-50s.
- Citizens Advice — free help including debt problems.
- FCA consumer helpline and ScamSmart — checking firms and reporting suspected scams.
Complaints and corrections about this site
If anything we've published is wrong, unclear, or could be mistaken for advice or a promotion, we want to know: [email protected]. We correct errors promptly and note material corrections on the affected page.