Business Details
24 Years
experience
Your Trusted Financial Advisers in Liverpool
Wilcocks & Wilcocks has been delivering personalised financial, investment, and estate management solutions for 22 years, founded on the principle of restoring trust in an industry often dominated by impersonal institutions. Our approach mirrors the relationship-driven ethos of Barclays in the 1980s, where Martin Wilcocks began his career, prioritising transparency, expertise, and long-term client partnerships. With a focus on retirement planning, we specialise in addressing challenges such as underperforming portfolios, high fees, and complex estate strategies. Our evidence-based investment methodology, grounded in eight decades of academic research, ensures diversified, low-cost solutions tailored to individual risk profiles.Recognised through testimonials from satisfied clients and professional peers, we combine technical excellence with a family-run ethos to provide clarity in financial planning. Our Amazon bestselling book 'Bulletproof Retirement' underscores our commitment to educating clients on reclaiming control over their financial futures. As an FCA-authorised firm, we adhere to rigorous regulatory standards while maintaining the agility to offer bespoke advice unavailable in larger networks.
Services
Financial Planning
Investment Management
Estate Planning
Retirement Strategies
Risk Analysis
Details
- Year established: 2002
Highlights and features
- 22 years of specialist experience in retirement financial planning
- FCA-authorised with institutional-grade, evidence-based investment strategies
- Transparent fee structure with no hidden costs
- Personalised service combining technical expertise and family-run ethos
- Proven track record helping 323+ client families optimise wealth
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Personalised service
Excellent investment advice
Transparent fee structure
Family-run professionalism
Proven expertise
Services
Financial Planning
Our financial planning service creates tailored roadmaps for retirement, combining pension consolidation, tax optimisation, and income projections. We specialise in transitioning clients from complex, underperforming portfolios to streamlined solutions that align with their lifestyle goals. With 22 years of experience, we deliver actionable plans that balance growth potential with risk management, ensuring clients understand every aspect of their financial future.
Investment Management
Evidence-based investment management utilising globally diversified portfolios with over 15,000 holdings. We implement low-cost, tax-efficient strategies that avoid speculative risks while maintaining exposure to proven asset classes. Our approach focuses on long-term capital preservation and growth, with regular reviews to ensure alignment with clients' evolving needs and market conditions.
Estate Planning
Comprehensive estate planning services including wills, trusts, and inheritance tax mitigation strategies. We help clients structure their affairs to protect family wealth across generations while minimising tax liabilities. Our solutions address business succession, intergenerational transfers, and legal safeguards to ensure clients' wishes are executed precisely.
Retirement Strategies
Specialist retirement income planning that integrates pension consolidation, drawdown strategies, and cashflow modelling. We help clients transition from accumulation to distribution phase with confidence, optimising state pension entitlements and private investments. Our approach ensures sustainable income throughout retirement while maintaining flexibility for changing circumstances.
Risk Analysis
Personalised risk tolerance assessments that inform appropriate investment allocations. Using evidence-based frameworks, we evaluate clients' capacity and willingness to withstand market volatility. This analysis forms the foundation of our diversified portfolios, ensuring alignment between investment strategy and individual comfort levels while pursuing long-term objectives.
People
Martin Wilcocks
Founder & Financial Adviser
With over 22 years in financial services, Martin established Wilcocks & Wilcocks to provide transparent, relationship-driven advice. A best-selling author and FCA-authorised adviser, he specialises in retirement planning and evidence-based investing.
Mary Wilcocks
Client Services Director
Managing client relationships and administrative support, Mary ensures seamless service delivery. Her focus on clear communication and prompt resolution of client queries enhances the firm's personalised approach.
Robert Wilcocks
Investment Analyst
Supporting portfolio management and research, Robert applies evidence-based principles to maintain diversified, cost-effective investment solutions aligned with clients' long-term objectives.
Questions
What makes Wilcocks & Wilcocks different from other financial advisers?
We combine 22 years of experience with a family-run ethos, offering transparent, evidence-based advice without the bureaucracy of large institutions.
Do you specialise in retirement planning?
Yes, we focus on helping clients transition into retirement with tailored strategies for pension consolidation, income planning, and estate protection.
How are your investment strategies structured?
Our portfolios use globally diversified, low-cost assets based on eight decades of research, avoiding speculative risks while maintaining growth potential.
Can you help with complex estate planning needs?
We provide comprehensive solutions including trusts, wills, and tax mitigation strategies to ensure smooth intergenerational wealth transfer.
What fees do you charge for your services?
Our transparent fee structure avoids hidden costs, with charges clearly explained during initial consultations tailored to individual service requirements.
How do you assess appropriate investment risk levels?
We use evidence-based risk analysis tools combined with personal consultations to determine optimal portfolio allocations matching clients' comfort and goals.
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