Fernleigh Wearden & Company Ltd
Independent Financial Advisers
Four fields. That’s it.
One of our advisers will ring you back by the end of the next working day, at the time you asked for.
In a hurry? Call us on 01772 864314, 9am–5pm Monday to Friday.
Goosnargh · Preston · Lancashire
Live life by planning well.
Our motto since 1985
At Fernleigh Wearden & Company Ltd you have access to Chartered financial advice. Two generations of the same family have been helping people across Lancashire do exactly that ever since.
How can we help you?
Find the one that sounds most like you. We'll show you how the conversation usually goes from there.
The most common question we hear. We'll model your income, your outgoings and your pots and give you a date rather than a feeling.
Retirement planningOld workplace schemes, a personal pension, something from the nineties nobody can find. We'll trace them, compare them and tell you honestly whether moving is worth it.
Pension reviewAn inheritance, a sale, a bonus. The first decision matters more than the tenth. We'll take it slowly and get the tax right before anything is invested.
Investments & taxInheritance tax is one of the few taxes that rewards planning early and punishes a lack of planning. We'll show you what your estate looks like today and what can be done about it.
Estate planningNot a comfortable question, which leads to a lack of planning. Getting the answers you need usually costs far less than people expect.
Protection & life coverCare fees can frighten a whole family. There are rules, allowances and options most people never hear about. We'll walk through them with you.
Later life & careThe years either side of a sale are the ones that decide what you keep. We work alongside your accountant and solicitor rather than around them.
Exit & sale planningAuto enrolment got set up once and never looked at again. We'll review the scheme, the charges and the default fund, then handle the paperwork.
Company pensionsVery common among owners. Employer contributions are one of the most tax-efficient ways to pay yourself and it's rarely too late to start.
Director pensionsUsually their family — who may not want them and you may not be able to buy them. A shareholder agreement and the right cover solves it in advance.
Shareholder protectionMost small firms have someone like that. Key person cover buys the business time to recover rather than scramble.
Key person coverBenefits are often what tips it. Group life, income protection and health cover cost less than most owners assume and staff notice them.
Employee benefitsNot sure which of these fits? Ask us to call you and we'll point you in the right direction.
Why Fernleigh Wearden
We are independent, which means we are tied to nobody. And through Mark, a Chartered Financial Planner, you have access to advice at the highest level the profession awards. Being a small firm is why you get both from the same conversation.
Whole of market means every provider and every product is on the table — not a shortlist drawn up by a parent company. It's also how we keep your costs down.
We do everything we can to keep you with the adviser you first meet. No call centre, no case reference number — and if they are away, someone here already knows your situation.
Being a family firm means decisions get made quickly and someone who knows you picks up. That's harder to find than it should be.
If you leave a meeting unable to explain your own plan to someone else, we haven't done our job properly.
Meet the team
Between us there is around eighty-five years of experience — and rather a lot of shared surnames. Ring the office and you will speak to somebody who knows who you are.
Founder & Adviser
Chartered Financial Planner
Director & Independent Financial Adviser
Co-founder & Office Administrator
Office Manager
Compliance, Audit & Risk Officer
Our services
Whole-of-market advice for you and your family and for the business you’ve built. These are the areas we are asked about most, though the list is not exhaustive — if what you need is not here, ring and ask.
Not sure where you fit? Ask us to call you and we’ll point you in the right direction.
Cashflow modelling
It's the difference between hoping and knowing. We map what you have, what you're putting in and what you'll need — then test it against the bad years as well as the good ones. Most people find out they're closer than they thought. Some find out they need to move. Either way, you find out while there's still time.
Try the calculatorInsights
Leaving money in cash feels like the safe choice. Over twenty years, it very often isn't.
How much is enough? The honest answer depends on a number most people have never worked out.
It's the cover nobody wants to think about and the one families are most grateful for.
A word about job titles
Our profession spends a good deal of energy arguing about which of these titles is best. We think it is largely beside the point, because what most people actually want is all of it.
Mapping what you have against what you want, testing it against good years and bad and giving you a plan rather than a product. That is what “financial planning” means and it is where every conversation here starts.
Recommending something specific, in writing and being accountable for it. Plans are pleasant to look at. Somebody eventually has to say what to do and take responsibility for having said it.
Chartered Financial Planner, Fellow of the Personal Finance Society, Pension Transfer Specialist, Diploma in Financial Planning. Between us we hold them and you can check every one on the FCA register.
Whole of market and owned by nobody. No parent company shortlist and nothing of our own to place. Plenty of firms using the grander titles cannot say the same.
Two generations of one family, in one office, since 1985. Ring the number and you get a person who knows who you are, which no title on a business card can deliver.
If you leave a meeting unable to explain your own plan to somebody else, we have not done our job. That matters rather more than what we call ourselves.
What our clients say
We have never advertised. Every client we have has come to us through a recommendation from another. These are their words, not ours.
Reverends John & Peter FoulkesLytham, retired Reverends★★★★★Fernleigh Wearden & Company are independent financial advisors of the utmost integrity. They are scrupulously honest, reliable and always courteous. We have no hesitation in recommending them.
Read more
Angelo SaponiereDirector & Higher Court Advocate, Tranters Solicitors, Manchester★★★★★Fernleigh Wearden & Company have been my financial advisors for over 20 years. Paul Wearden has always offered sound financial advice based upon my individual needs and objectives. Paul delivers advice in a straightforward and honest manner. I feel as though he really cares about my finances and future.
Read more
Glenda FoxRegistered General Nurse, Registered Health Visitor★★★★★Fernleigh Wearden & Co have been helping me to make decisions about my finances for many years now. What I like is that they are a friendly, approachable, family business. The advice I receive is prompt, timely, individual to me and is flexible as my circumstances change. Paul and Mark are very knowledgeable, yet explain things to me in simple, clear and practical terms to enable me to make my own choices and decisions. No pressure, nothing complicated, no worries.
Read more
Mike & Sue ClaytonRetired★★★★★Both Sue and I would like to take this opportunity to express our sincere thanks for all the financial planning and advice you have undertaken for us over the past 30 years. The expertise and attention to detail with which you, Paul and lately Mark have handled our financial affairs could not be faulted. Particularly reassuring to us is our feeling of certainty in the absolute integrity and commitment of all our dealings.
Read more
Dominic SwarbrickDirector, T. Snape & Co. Ltd, Preston★★★★★I have always found Fernleigh Wearden & Company to be very helpful and professional in company and personal matters. They are on hand to answer any of our queries promptly and efficiently.
Read more
Garry BlinkhornCompany Director, GB Catering Engineers Ltd, Preston★★★★★We have had a long and successful working relationship with Fernleigh Wearden & Company. They are always striving to do the best for our business and personal needs. I would highly recommend them to anyone.
Read more
Andrew WalshRetail★★★★★I wouldn’t hesitate in recommending Paul & Mark to my friends and relatives. Not only do they provide a consistent return on my investments through good times as well as bad, but they are also always extremely approachable, providing a reliable response to any questions.
Read more
Jean WrightRetired★★★★★I have been a client of Fernleigh Wearden & Company for a number of years and have always found them to be most helpful in advising me on my investments and placing them where they would be most beneficial to me.
Read more
Pauline Phillips★★★★★After a recent bereavement I needed to rely on Mark to give me advice on a number of financial issues. This he did, not only in his usual professional way, giving me sound, clear and concise advice, but also in a caring and considerate manner that I appreciated at that difficult time. Thank you Mark for everything you have done.
Read more
Reverends John & Peter FoulkesLytham, retired Reverends★★★★★Fernleigh Wearden & Company are independent financial advisors of the utmost integrity. They are scrupulously honest, reliable and always courteous. We have no hesitation in recommending them.
Read more
Angelo SaponiereDirector & Higher Court Advocate, Tranters Solicitors, Manchester★★★★★Fernleigh Wearden & Company have been my financial advisors for over 20 years. Paul Wearden has always offered sound financial advice based upon my individual needs and objectives. Paul delivers advice in a straightforward and honest manner. I feel as though he really cares about my finances and future.
Read more
Glenda FoxRegistered General Nurse, Registered Health Visitor★★★★★Fernleigh Wearden & Co have been helping me to make decisions about my finances for many years now. What I like is that they are a friendly, approachable, family business. The advice I receive is prompt, timely, individual to me and is flexible as my circumstances change. Paul and Mark are very knowledgeable, yet explain things to me in simple, clear and practical terms to enable me to make my own choices and decisions. No pressure, nothing complicated, no worries.
Read more
Mike & Sue ClaytonRetired★★★★★Both Sue and I would like to take this opportunity to express our sincere thanks for all the financial planning and advice you have undertaken for us over the past 30 years. The expertise and attention to detail with which you, Paul and lately Mark have handled our financial affairs could not be faulted. Particularly reassuring to us is our feeling of certainty in the absolute integrity and commitment of all our dealings.
Read more
Dominic SwarbrickDirector, T. Snape & Co. Ltd, Preston★★★★★I have always found Fernleigh Wearden & Company to be very helpful and professional in company and personal matters. They are on hand to answer any of our queries promptly and efficiently.
Read more
Garry BlinkhornCompany Director, GB Catering Engineers Ltd, Preston★★★★★We have had a long and successful working relationship with Fernleigh Wearden & Company. They are always striving to do the best for our business and personal needs. I would highly recommend them to anyone.
Read more
Andrew WalshRetail★★★★★I wouldn’t hesitate in recommending Paul & Mark to my friends and relatives. Not only do they provide a consistent return on my investments through good times as well as bad, but they are also always extremely approachable, providing a reliable response to any questions.
Read more
Jean WrightRetired★★★★★I have been a client of Fernleigh Wearden & Company for a number of years and have always found them to be most helpful in advising me on my investments and placing them where they would be most beneficial to me.
Read more
Pauline Phillips★★★★★After a recent bereavement I needed to rely on Mark to give me advice on a number of financial issues. This he did, not only in his usual professional way, giving me sound, clear and concise advice, but also in a caring and considerate manner that I appreciated at that difficult time. Thank you Mark for everything you have done.
Read more
Pat BerryRetired Manager★★★★★The company is first class to deal with, efficient and trustworthy. I have no hesitation in recommending them wholeheartedly.
Read more
Anne NicksonPreston★★★★★Paul has always explained financial advice in the simplest ways so that I can understand and therefore can make a financial decision with confidence. Fernleigh Wearden & Company also advised me on my parent’s affairs after my mum died and lately my dad, which was done with the least fuss. Even the solicitor wanted to speak to him she was so impressed with their work.
Read more
Nicholas HeywoodConsultant Surgeon, NHS★★★★★Mark and Paul always provide an excellent and personal service. They are highly recommended.
Read more
Mick MellingRetired★★★★★I received very helpful and in depth advice and service from Mark at Fernleigh Wearden & Company. He was always on hand to answer any questions I had for him. Excellent advice and I would definitely recommend him to anyone needing advice with their pensions.
Read more
Dave & Sheila CoxRetired★★★★★We have been a client of Paul’s since the late 1970’s and have been very satisfied with the excellent service provided over the years.
Read more
Derrick & Janet GardnerRetired★★★★★Fernleigh Wearden & Company Ltd have been our financial advisers for over 30 years. They are easy to contact and sort out our requests promptly. I would have no hesitation in recommending them to friends and family.
Read more
Dave & Kelly Walsh★★★★★The service provided by Paul and Mark has always been exceptional. As you know, we have always recommended you both to friends and family and will continue to do so.
Read more
Stuart MerrifieldDirector, Esspee Fabrications★★★★★Always attentive and at the end of a phone or an email. Positive, professional and reliable.
Read more
Pat BerryRetired Manager★★★★★The company is first class to deal with, efficient and trustworthy. I have no hesitation in recommending them wholeheartedly.
Read more
Anne NicksonPreston★★★★★Paul has always explained financial advice in the simplest ways so that I can understand and therefore can make a financial decision with confidence. Fernleigh Wearden & Company also advised me on my parent’s affairs after my mum died and lately my dad, which was done with the least fuss. Even the solicitor wanted to speak to him she was so impressed with their work.
Read more
Nicholas HeywoodConsultant Surgeon, NHS★★★★★Mark and Paul always provide an excellent and personal service. They are highly recommended.
Read more
Mick MellingRetired★★★★★I received very helpful and in depth advice and service from Mark at Fernleigh Wearden & Company. He was always on hand to answer any questions I had for him. Excellent advice and I would definitely recommend him to anyone needing advice with their pensions.
Read more
Dave & Sheila CoxRetired★★★★★We have been a client of Paul’s since the late 1970’s and have been very satisfied with the excellent service provided over the years.
Read more
Derrick & Janet GardnerRetired★★★★★Fernleigh Wearden & Company Ltd have been our financial advisers for over 30 years. They are easy to contact and sort out our requests promptly. I would have no hesitation in recommending them to friends and family.
Read more
Dave & Kelly Walsh★★★★★The service provided by Paul and Mark has always been exceptional. As you know, we have always recommended you both to friends and family and will continue to do so.
Read more
Stuart MerrifieldDirector, Esspee Fabrications★★★★★Always attentive and at the end of a phone or an email. Positive, professional and reliable.
Read more
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Tell us roughly what's on your mind and when suits you. One of our advisers will ring you back by the end of the next working day.
Four fields. That's it.
