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Castleford's Leading Independent Financial Advisors

Managing over £60m in client assets and based at West Riding House, 6-8 Commercial Street, Castleford, West Riding Personal Financial Solutions Limited is the only completely Independent Financial Advisor firm in Castleford where it has been based since 2006.  Surrounded by ample and low-cost parking, West Riding advises on all areas of personal finance including life assurance and all forms of protection, savings and investments, tax planning, pension fund management, annuities, and drawdown income plans. To discuss how we can help you, please telephone us on 01977 808600, email This e-mail address is being protected from spam bots, you need JavaScript enabled to view it  or Skype neil.f.liversidge. 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-146907 .  More links to press  comments are included below. 

West Riding is a family business co-owned by Neil and Linda LiversidgeToni Turton who joined us in 2011 manages our reception in addition to her main role as Neil's Personal Assistant. Our Operations Manager Charlotte Kelso joined the company in 2013 after 18 years with HSBC.  Charlotte is also a fully qualified adviser additionally qualified to advise on equity release.  Nikita Kyle who joined us in November 2016 is Charlotte's Personal Assistant and is training to qualify as an advisor. Our newest arrival Amy Hirst joined our admin' team on 1 August 2018, our first day in West Riding House following the move from our old office nearby in Sagar Street.  Like all our staff Amy will have the opportunity and support to train and qualify for any role to which she aspires. We thoroughly invest in our people. 

Linda Liversidge
 is West Riding's Company Secretary.  Linda previously worked for many years in a major Leeds law firm and was the co-founder of the company in July 2004.  Neil Liversidge, West Riding's Managing Director, 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. 
Protecting Our Clients - Scambusting!
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  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. The BBC reports on how we warned the FCA about LCF in 2015: https://www.bbc.com/news/uk-england-47454328 and here's another in The Guardian https://www.theguardian.com/business/2019/mar/29/one-of-the-biggest-financial-scandals-around-fca-criticised-over-lcf and the FT https://www.ft.com/content/f1efe506-4c7d-11e9-bbc9-6917dce3dc62  One of our earliest successes was way back in 1995 when Neil reported the 'Alchemy' Ponzi scheme to the DTI, which subsequently closed Alchemy down as being 'A scheme not in the public interest.'  Prosecutions eventually followed: https://www.theguardian.com/business/2000/jul/02/theobserver.observerbusiness5 
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 - there are no nasty surprises!  We are certainly not expensive but we do 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. Heres 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.

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.