Business Details
Trusted Financial Advisers in Nottingham & Newark
Established as independent financial advisers with over 23 years of experience, we specialise in providing tailored solutions for mortgages, pensions, investments, and life cover. Our team operates nationally from offices in Nottingham and Newark, offering impartial advice across the entire market. With a focus on long-term client relationships, we deliver expert guidance on equity release, will writing, and divorce-related financial planning. Our services are designed to meet individual needs through face-to-face consultations, phone, or video meetings, ensuring accessibility for clients throughout the UK.Regulated by the Financial Conduct Authority, we maintain rigorous professional standards while prioritising client education and financial clarity. Our approach combines technical expertise with transparent communication, helping clients navigate complex financial decisions with confidence.
Services
Mortgage Advice
Pension Planning
Investment Advice
Equity Release
Life Cover
Will Writing
Divorce Financial Planning
Highlights and features
- We offer 23+ years of independent financial advisory experience
- Our FCA regulation ensures professional compliance and client protection
- Tailored advice across the whole mortgage and investment market
- Nationwide service with local office accessibility in Nottinghamshire
- Comprehensive financial planning covering retirement to equity release
Associations and certifications
- Financial Conduct Authority
What people say
Service has been superb
Professional yet friendly manner
Tailored advice
Kept well informed
Appreciable return on investments
Services
Mortgage Advice
We provide independent mortgage advisory services covering the entire market. Our experts help clients find suitable mortgage products whether for first-time purchases, remortgaging, or buy-to-let properties. With access to exclusive deals and 23+ years of experience, we guide clients through application processes while explaining all financial implications clearly.
Pension Planning
Our pension specialists offer comprehensive reviews and planning services for retirement. We help clients understand their existing pension arrangements, consolidate multiple pensions, and choose appropriate withdrawal strategies including income drawdown options. The service includes tax-efficient planning and regular portfolio monitoring to ensure long-term financial security.
Equity Release
We advise homeowners aged 55+ on releasing capital from their properties through regulated equity release schemes. Our guidance covers lifetime mortgages, inheritance protection options, and alternative solutions to downsizing. We explain all financial implications while ensuring clients maintain residency rights and understand repayment terms.
Investment Advice
Our independent investment advisory service helps clients grow their capital through diversified portfolios. We assess risk tolerance and financial goals to recommend appropriate investment vehicles, explaining market risks and potential returns. The service includes ongoing portfolio reviews and adjustments to align with changing market conditions and client circumstances.
Life Cover
We provide independent life insurance advice covering various protection options. Our specialists help clients select appropriate coverage amounts and policy types including term assurance and family income benefits. We ensure policies align with mortgage requirements and family financial needs while comparing market offerings to secure competitive rates.
People
Philip Dales
Director
With over 23 years in financial services, Philip leads our advisory team. He specialises in complex mortgage solutions and investment strategies, maintaining FCA-regulated compliance while prioritising client education. His approach combines technical expertise with clear communication.
Questions
What areas do DALES IFA cover?
We operate nationwide with physical offices in Nottingham and Newark, offering remote consultations via phone or video meetings for clients throughout the UK.
Are your services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA reference: 496107), ensuring compliance with strict professional standards.
How do you charge for mortgage advice?
Our typical mortgage advice fee is £350, though this can vary up to 1% of the mortgage amount depending on individual circumstances.
Can you help with pension consolidation?
Yes, we specialise in reviewing multiple pensions, explaining their terms, and advising on consolidation options to simplify retirement planning.
Do you offer equity release guidance?
We provide comprehensive equity release advice for homeowners aged 55+, explaining all options including inheritance protection and lifetime mortgage schemes.
