Independent Financial Adviser · Southport

Clear financial
advice, built
around your future

I provide straightforward, independent financial advice to individuals and families across Southport and Merseyside — helping you make confident decisions about retirement, tax and long-term wealth.

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John Anthony Sykes – Independent Financial Adviser, Southport
Nationwide Clients across the UK
100% Independent advice
FCA Regulated
Transparent Fees — always agreed upfront
What I do

Specialist advice across the areas that matter most

Independent means I'm not tied to any provider. I search the whole market to find what's right for you.

Pensions & Retirement

Consolidate pensions, make the most of your annual pension allowance, and plan a tax-efficient income for the retirement you want.

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Tax & Investment Advice

Use your ISA allowance, pension contributions and capital gains exemptions strategically — keeping more of your money in your hands.

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Inheritance Tax Planning

With IHT at 40% above the nil-rate band — and pension funds potentially entering the estate — early planning is essential.

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Cashflow Analysis

See a clear, dynamic picture of your financial future — how long your money lasts and what happens if things change.

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Protection

Most families are underinsured. Life insurance, income protection and critical illness cover — assessed independently across the whole market.

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Estate Planning

Ensure your wealth passes to the people you care about, structured efficiently and in line with your wishes.

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Not sure where to start? A free 20-minute call costs nothing and gives you clarity.

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How it works

From first conversation to a plan that keeps working

Three focused meetings to go from where you are now to clear, actionable recommendations — then ongoing support to keep your plan on track as life changes.

1

Initial discussion

A free conversation — typically 20 minutes. I want to understand where you are now, what you're trying to achieve, and how I might be able to help. No paperwork, no pressure. You leave with a clear idea of whether I'm the right fit.

2

Building the plan

Once you decide to go ahead, we get into the detail together — your full financial picture, your risk profile and preferences. I use this to research your options thoroughly and build a plan specific to your situation.

3

Your recommendations

I present a clear written report with specific recommendations and the reasoning behind each one. We go through it together. If you're happy, we complete the paperwork and get things moving.

After the advice

Ongoing support — because your finances don't stand still

For clients who want continued support, I offer an ongoing advisory service charged as an annual percentage of the assets under advice. This structure is commensurate with the work involved — a larger or more complex portfolio requires more active management, more frequent assessment, and more planning decisions throughout the year.

The ongoing fee funds a defined, active service — not just the ability to call me. It reflects my FCA obligation to ensure your advice remains suitable on a continuing basis, and my commitment to be proactive rather than reactive when things change.

Annual review meeting
A structured annual meeting to review your progress, update your cashflow model and confirm the plan is still on track for your goals.
Ongoing suitability assessment
FCA regulation requires that advice remains suitable as time passes. I actively check that your investments and strategy still match your circumstances and risk profile.
Legislative and tax changes
Pension rules, IHT thresholds and tax allowances change regularly. I flag the changes that affect you and advise on action — before the deadline, not after.
Changing circumstances
A new job, inheritance, health change or shift in retirement plans can all affect your strategy. Ongoing clients can reach me at any point — not just at the annual review.
Testimonials

What clients say

"I would recommend him to others with total, 100%, confidence."

Dr. K. Mashiter

"We were unhappy with our previous adviser. After meeting with John, we felt he was a more capable pair of hands."

A. Middleton

"My wife sadly passed away, and I wanted to set a trust fund for my stepdaughter. John found a solution that exactly fit my requirements."

C. Fowler

Ready to make your money work harder?

Every tax year, pension and ISA allowances reset — and unused allowances are lost forever. Book a free 20-minute call to make sure you're not leaving money on the table.

Book a free call Call 07403 892713