Business Details
18 Years
experience
Trusted Independent Financial Advisers in Boston
Established in 2008, First Capital Independent Financial Advisers have built a reputation for delivering tailored financial solutions to private clients across the UK. Our team of 9 qualified advisers, supported by 6 administrative professionals, specialises in pensions, investments, mortgages, and retirement planning. With offices in Boston, Lincolnshire, we combine local expertise with national market access to provide impartial advice. Our structured 6-step process ensures comprehensive understanding of client needs, followed by strategic implementation and ongoing reviews. Accredited representatives of the Financial Conduct Authority-regulated Whitechurch Network Ltd, we maintain rigorous compliance standards while prioritising transparent communication.Our advisers collectively hold decades of industry experience, including former banking professionals and legal experts, ensuring multidisciplinary perspectives. We offer flexible appointment times including out-of-hours consultations to accommodate client schedules. Our wealth management service includes annual face-to-face meetings to maintain alignment with evolving financial goals. Through continuous market research, we identify optimal products while maintaining fee transparency, including a 150/hour + VAT advice-only option. Client relationships are built on long-term trust, evidenced by our locally rooted team members who actively engage with the Boston community.
Services
Pension Advice
Investment Planning
Mortgage Guidance
Retirement Strategies
Wealth Management
Details
- Year established: 2008
Highlights and features
- We offer 15+ years' experience in independent financial advice
- Our team includes former banking professionals and legal experts
- We provide transparent fee structures including hourly rate options
- We maintain FCA-regulated compliance standards
- We offer flexible appointment times including evenings and weekends
Associations and certifications
- Financial Conduct Authority
Services
Pension Advice
Our pension specialists provide comprehensive guidance on workplace, personal, and self-invested pensions. We help clients understand contribution strategies, tax relief opportunities, and retirement income options. Our advice considers changing legislation and market conditions to ensure long-term sustainability.
Investment Planning
We offer tailored investment strategies across various risk profiles, from cautious to adventurous approaches. Our services include portfolio management, asset allocation, and performance reviews. We focus on aligning investments with clients' financial goals and risk tolerance levels.
Mortgage Guidance
Our mortgage experts provide whole-of-market advice on residential and buy-to-let mortgages. We assist with remortgaging, first-time purchases, and equity release solutions. Our guidance considers clients' overall financial circumstances for sustainable lending arrangements.
Retirement Strategies
We develop comprehensive retirement plans considering income requirements, tax efficiency, and longevity. Services include state pension optimisation, drawdown strategies, and inheritance tax planning. Our ongoing reviews ensure plans adapt to changing personal circumstances and legislation.
Wealth Management
Our holistic wealth management service integrates all aspects of clients' financial lives. This includes annual reviews, risk management, and multi-generational planning. We provide coordinated advice on investments, pensions, protection, and property assets.
People
Jonathan Beck
Independent Financial Adviser
With over 30 years' experience, Jonathan specialises in pension and investment advice. He joined First Capital in 2008 after a banking career, bringing extensive market knowledge and client-focused service expertise.
Mick Devereux
Independent Financial Adviser
A financial services professional since 1981, Mick offers specialist pensions and investments advice. His career spans major institutions and independent practice, combining technical expertise with local market understanding.
Paul Timby
Independent Financial Adviser
Paul transitioned to independent advice in 2005 after senior banking roles. With over 25 years' experience, he provides comprehensive financial planning services, focusing on long-term client relationships and sustainable solutions.
Andrew Jones
Independent Financial Adviser
Qualified since 2009, Andrew specialises in pension and investment advice. He combines technical expertise with a commitment to clear communication, ensuring clients understand their financial options and implications.
Luke Smith
Independent Financial Adviser
A Newcastle University graduate, Luke offers holistic financial advice since 2007. His expertise spans pensions, investments, and mortgages, supported by professional qualifications and a client-centred approach to long-term planning.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, mortgages, retirement planning, and wealth management services tailored to individual client needs.
Are your advisers qualified?
All our advisers hold relevant financial qualifications and maintain ongoing professional development to ensure up-to-date expertise.
How are your fees structured?
We offer transparent fee structures including hourly rates for advice-only services and implementation fees, with all costs explained upfront.
Can I get out-of-hours appointments?
Yes, we offer flexible appointment times including evenings and weekends to accommodate client schedules.
Are you regulated by the FCA?
We operate as appointed representatives of Whitechurch Network Ltd, which is authorised and regulated by the Financial Conduct Authority.
Do you offer ongoing financial reviews?
Yes, our wealth management service includes annual face-to-face reviews to ensure your financial plan remains aligned with your goals.
