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Castleford's Leading Independent Financial Advisors

West Riding Personal Financial Solutions Limited is directly authorised by the Financial Conduct Authority as FCA firm number 402246 and registered in England as Company Number 5142989. The Registered Office is at West Riding House, 6-8 Commercial Street, Castleford, West Yorkshire, England WF10 1DG. 
 
Managing over £60m in client assets West Riding is the only completely Independent Financial Advisor firm in Castleford. Surrounded by ample and low-cost parking, we advise on all areas of personal finance, including life assurance and all forms of protection, savings and investments, tax planning, pension fund management, drawdown and annuities. To discuss how we can help you, please telephone us on 01977 808600 or email This e-mail address is being protected from spam bots, you need JavaScript enabled to view it . Find us on Facebook at https://www.facebook.com/West-Riding-Personal-Financial-Solutions-Ltd-1992039537762653/ . 

This is what respected independent financial journalist Nic Cicutti says about us: 
https://www.moneymarketing.co.uk/nic-cicutti-latest-collapsed-investment-firm-is-a-misselling-scandal-of-the-fcas-making/?unapproved=146907&moderation-hash=a5aed1c434cd1f410062d89df3605fc1#comment-146907Here are some reviews by those who have used our services: https://www.yell.com/biz/west-riding-personal-financial-solutions-ltd-castleford-4240389/

West Riding is a family business co-owned by Neil Liversidge (Managing Director) and his wife Linda (Director & Company Secretary). Assistant Director Toni Turton joined us in 2011 and manages our administration team. Nikita Kyle joined us in November 2016 and is currently a paraplanner training to qualify as an advisor.  Amy Hirst joined on 1 August 2018 and is training to take charge of our estate planning service.  For clients, West Riding aims to deliver the optimum combination of results, service and value-for-money. For colleagues, we aim to promote achievement, to support self-improvement and to reward effort through a fair, equitable and transparent pay structure.

Linda Liversidge previously worked for many years in a major Leeds law firm and was the co-founder of the company in July 2004.  Neil Liversidge has worked in financial services since 1980 and is an elected Council Member of PIMFA, the UK's Personal Investment Management & Financial Advice Association.  Neil's previous experience includes five years in a major UK merchant banking and life assurance group, ten years in private client investment management at major regional and national firms, and seven years in charge of investment research at what was then the UK's largest national adviser network, DBS Management PLC.  At DBS, as the ‘advisor to the advisors’, Neil provided research support and guidance to more than 1,800 IFA firms and 4,000 individual advisors throughout the UK. 
 
Service Tailored to Your Needs
Toni Turton
Toni Turton
We understand that decisions affecting your financial future are amongst the most important you’ll ever make so we’ll give you the time and attention you need.  We offer an exploratory first meeting here at our expense during which we will conduct a thorough fact-finding exercise.  Once we understand your situation and what work is required, we shall tell you in writing what the cost will be.  All fees are agreed in advance.  We are not expensive, we deliver value, and our FairFees Promise makes West Riding one of the UK's most competitive firms of its type. We provide all recommendations in writing and are happy to work with your solicitor, accountant or other professional advisors to ensure our advice fits with theirs.  Most important of all, we tell it like it is, in plain English.  

The Importance of Our Independence
'Restricted' advisers are limited as to the products, funds, and services they are able to offer. Most 'appointed representative' firms are restricted, as are most of the large national firms, meaning they can only offer you their own in-house products and funds, or those of other firms with whom they have some form of reciprocal arrangement.  This inflates their profits but often camouflages the total cost to clients of their services.  We act on your behalf and in your best interests only. All our charges are completely transparent and because we are independent, we can access products, funds, and services from the entire market. We are not limited to recommending only the products of an associated or parent company because nobody owns West Riding apart from the Liversidge family. Unlike restricted firms, nobody can force us to place business with any particular product provider. Here's what the BBC's Paul Lewis says about non-independent advice: https://www.moneymarketing.co.uk/paul-lewis-i-would-never-recommend-a-restricted-adviser/?cmpid=pmalert_5386150&utm_medium=email&utm_source=newsletter&utm_campaign=mm_daily_news&adg=90A2C618-02E4-4EBB-B375-64A690ED8BD9

The Media
Neil Liversidge is a regular contributor to BBC programming and has appeared on BBC Radio 4's Money Box and BBC TV's Panorama.  For an exceptionally long 8-year run on BBC Radio Leeds, Neil was the station's 'Money Guru', answering listeners' money questions and commenting on financial matters in a regular weekly slot with one of BBC Local Radio's most distinguished broadcasters, Andrew Edwards.  In the print media, Neil wrote a monthly column for over five years in the trade magazine Money Marketing. His letters and articles have also been featured in many other publications.

Protecting Our Clients 
We don't like scammers. In an environment where fraud is now rife and the authorities don't appear to take it seriously, protecting our clients is our number one priority.  Anyone can say that, but we really do it. Here's the proof: https://www.unbiased.co.uk/news/your-front-line-of-defence-against-investment-fraud/5892 https://www.ftadviser.com/2016/06/23/ifa-industry/companies-and-people/adviser-reveals-how-he-caught-suspected-pension-scammer-LOWwSKtVC8ousw56cMyQXO/article.html 
 
Neil's earliest scam-busting success was in the early 1980s when he rumbled an adviser defrauding life insurance companies of commission. Later in the 1980s, by asking the right questions, he stopped his then-employer from merging and placing clients' funds with Barlow Clowes, a Gibraltar-based Ponzi scheme whose boss Peter Clowes was living the high-life on his clients' money. In 1995 Neil reported another Ponzi scheme, 'Alchemy', to the DTI, which closed it down. Prosecutions eventually followed: https://www.theguardian.com/business/2000/jul/02/theobserver.observerbusiness5.  In his time at DBS, Neil 'blacklisted' Imperial Consolidated and the Ostrich Farming Corporation (OFC) which were both later revealed as frauds and it turned out that one of the men behind OFC had also been behind the Alchemy scam. Still at DBS circa 2000, Neil detected a fraud on a long-established trust fund set up by the estate of one of the twentieth century's most famous authors. At West Riding, in 2010 Neil alerted the regulator to a fraudulent scheme being promulgated in northern England, which falsely claimed to be backed by the US Federal Reserve. The story made front-page news in the trade paper FT Adviser. The adviser promoting it was de-authorised. Here's another of our successes: https://www.ftadviser.com/2016/08/31/regulation/adviser-helps-client-who-lost-of-pension-pot-Dq0JlYkEhY4tlxu5RbpLcO/article.html.

In 2019 the BBC reported on how we warned the FCA about LCF in 2015: https://www.bbc.com/news/uk-england-47454328 . The Guardian reported it https://www.theguardian.com/business/2019/mar/29/one-of-the-biggest-financial-scandals-around-fca-criticised-over-lcf and also the FT https://www.ft.com/content/f1efe506-4c7d-11e9-bbc9-6917dce3dc62 and the Telegraph: https://www.telegraph.co.uk/business/2019/04/02/fca-accused-lapdog-not-watchdog-faces-heat-lcf-scandal/.  We even got a favourable mention by Roger Godsiff MP in the House of Commons: https://www.parliament.uk/business/publications/written-questions-answers-statements/written-questions-answers/?page=1&max=20&questiontype=AllQuestions&house=commons%2Clords&uin=240658 

Scam-busting is an uphill and never-ending struggle, but as Tony Christie sang in his great 1970s hit 'Avenues and Alleyways', Every city's got ’em, can we ever stop ’em? Some of us have gotta try”.  
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