Intergenerational family group walking on a beach

Who we are

Opal Financial Management Ltd is a national financial planning firm, consisting of Independent Financial Advisers (IFAs), mortgage and protection specialists. It is focused on helping individuals and businesses understand and plan for their financial future.


We pride ourselves on our independent status, which is the key foundation of our business. This ensures we can advise on financial products across the whole of the market.

We do not act on behalf of any product provider, bank or insurance company, but solely in the best interests of our clients at all times. We are passionate about providing the best customer experience. All Opal Financial Management advisers pride themselves in building lasting, professional relationships in order to become the customers’ trusted financial adviser.


What we do

We are committed to providing independent advice and constructing financial solutions using products from the whole of the market. Financial advice is provided exclusively by qualified and experienced practitioners and is regulated by the Financial Conduct Authority.

We offer an initial discussion (at our cost and without charge) when we will describe our services more fully and explain the payment options. Following our initial discussion, if the decision is to go ahead there is a cost for our advice and services

Our mission statement

We believe that Treating Customers Fairly is about delivering a fair outcome to our clients whilst offering a first class business service.

It is embedded in our culture, and our customers can be assured of this as:

  • We are open about the way we carry out our business and how we are remunerated

  • We welcome customer feedback on a regular basis

  • We encourage all our staff to continue with their professional development

  • Our business is about our customers, and we are always conscious of this

We look at all areas of our business on a regular basis to ensure that:

  • Customers can be confident that they are dealing with a firm where the fair treatment of customers is central to our firm’s culture

  • We consider our customers when promoting new services and products and ensure that they are relevant to them

  • Our customers are provided with clear information and we keep them informed before, during, and after the point of sale

  • Where advice is provided, we take time to understand our customers’ situation and ensure that our advice is suitable and appropriate

  • We meet our customers’ expectations, providing them with a level of service and products that are of an acceptable standard

  • We will ensure that our customers can switch providers, change products, surrender policies and make any complaints without any undue barriers