Financial Adviser in Arun
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Financial Guidance vs Financial Advice
What's the difference?
Financial guidance gives you general information about your options: what you could do and why it might matter. It's what Delphina provides: clarity on where you stand, what your options are, and what to consider. Financial advice goes further: a regulated professional tells you exactly what to do with your money, taking into account your personal circumstances.
The cost difference
Financial advice in the UK typically costs £500-2,000 for a one-off recommendation, or 0.5-1% of your assets under management per year for ongoing advice. For someone with a £641,150 retirement target, ongoing advice could cost £2,400-4,900 annually. Financial guidance like Delphina is free to get started and costs a fraction of that for ongoing coaching.
Do you need advice or guidance?
If you have straightforward circumstances and just need to know the right moves to make, guidance is often enough. If you have complex pension arrangements, business assets, or inheritance issues, advice may be worth the cost. Many people in Arun benefit from starting with guidance to understand their situation before paying for regulated advice.
How Delphina fits in
Delphina provides the guidance layer. Self-service tools to calculate your retirement number, understand your pension options, and model different scenarios. If you want 1-1 support, our financial coaches help you build a plan at a fraction of the cost of regulated financial advice. When you're ready to take a specific action with your pension or investments, we'll tell you when it's worth paying for regulated advice.
Frequently asked questions
How much does a financial adviser cost in the UK?
Typically £500-2,000 for a one-off piece of advice, or 0.5-1% of your assets per year for an ongoing relationship. On a £400,000 pension pot, ongoing advice at 1% is £4,000 every year. Always ask for the fee structure in writing before committing; advisers are required to disclose it.
Is it worth paying for a financial adviser?
For complex, high-stakes decisions (defined benefit pension transfers, large inheritances, intricate tax situations), usually yes. For understanding where you stand and what your options are, often not: free guidance and low-cost coaching cover that ground. The expensive mistake is paying ongoing advice fees for education you could get for a fraction of the price.
How do I find a financial adviser in Arun?
Check any adviser is FCA-authorised on the Financial Services Register before handing over money. Directories like Unbiased and VouchedFor list advisers serving Arun, though most advisers now work perfectly well over video call, so you're not limited to local firms. Prefer independent (whole-of-market) advisers over restricted ones where possible.
What is the difference between an independent and a restricted adviser?
An independent financial adviser (IFA) can recommend products from across the whole market. A restricted adviser can only recommend from a limited range, often their own company's products. Both are FCA-regulated, but independence matters: a restricted adviser can't tell you if a better product exists outside their range.
About Retirement Planning in Arun
Arun has an average house price of £320,350, which is 18% higher than the UK average of £271,000 (ONS UK House Price Index, May 2026).
Annual living costs in Arun are estimated at £38,194, 17% above the UK average of £32,700. The figure covers day-to-day spending in the South East and excludes housing, which is counted separately through the local house price.
The local property market offers a range of options for retirees, from flats to family homes, at prices reflecting local demand and supply.
Data sources: ONS UK House Price Index (May 2026); ONS Family Spending, expenditure by region (FYE 2025); Pensions UK Retirement Living Standards (2026).
Your Arun Retirement Number
per year
£12,548
£12,548/yr at age 67
£25,646
Annual costs − State Pension
£641,150
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Assuming retirement at state pension age · Arun cost of living data · UK State Pension 2026/27
Ready for Your Arun Retirement?
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Explore Other Locations in South East
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| Financial Advisers in Adur | South East | £368,910 | £38,194 | £641,150 | £1,010,060 |
| Financial Advisers in Ashford | South East | £341,710 | £38,194 | £641,150 | £982,860 |
| Financial Advisers in Basingstoke and Deane | South East | £372,276 | £38,194 | £641,150 | £1,013,426 |
| Financial Advisers in Bracknell Forest | South East | £390,219 | £38,194 | £641,150 | £1,031,369 |
| Financial Advisers in Brighton and Hove | South East | £403,808 | £38,194 | £641,150 | £1,044,958 |
| Financial Advisers in Buckinghamshire | South East | £478,219 | £38,194 | £641,150 | £1,119,369 |
| Financial Advisers in Canterbury | South East | £341,331 | £38,194 | £641,150 | £982,481 |
| Financial Advisers in Cherwell | South East | £351,051 | £38,194 | £641,150 | £992,201 |
| Financial Advisers in Chichester | South East | £426,958 | £38,194 | £641,150 | £1,068,108 |
| Financial Advisers in Crawley | South East | £330,955 | £38,194 | £641,150 | £972,105 |
| Financial Advisers in Dartford | South East | £341,447 | £38,194 | £641,150 | £982,597 |
| Financial Advisers in Dover | South East | £276,156 | £38,194 | £641,150 | £917,306 |
| Financial Advisers in East Hampshire | South East | £437,074 | £38,194 | £641,150 | £1,078,224 |
| Financial Advisers in Eastbourne | South East | £255,473 | £38,194 | £641,150 | £896,623 |
| Financial Advisers in Eastleigh | South East | £308,958 | £38,194 | £641,150 | £950,108 |
| Financial Advisers in Elmbridge | South East | £759,229 | £38,194 | £641,150 | £1,400,379 |
| Financial Advisers in Epsom and Ewell | South East | £552,902 | £38,194 | £641,150 | £1,194,052 |
| Financial Advisers in Fareham | South East | £333,822 | £38,194 | £641,150 | £974,972 |
| Financial Advisers in Folkestone and Hythe | South East | £312,914 | £38,194 | £641,150 | £954,064 |
| Financial Advisers in Gosport | South East | £237,267 | £38,194 | £641,150 | £878,417 |
| Financial Advisers in Gravesham | South East | £340,305 | £38,194 | £641,150 | £981,455 |
| Financial Advisers in Guildford | South East | £525,805 | £38,194 | £641,150 | £1,166,955 |
| Financial Advisers in Hart | South East | £478,996 | £38,194 | £641,150 | £1,120,146 |
| Financial Advisers in Hastings | South East | £236,670 | £38,194 | £641,150 | £877,820 |
| Financial Advisers in Havant | South East | £316,718 | £38,194 | £641,150 | £957,868 |
| Financial Advisers in Horsham | South East | £440,938 | £38,194 | £641,150 | £1,082,088 |
| Financial Advisers in Isle of Wight | South East | £240,291 | £38,194 | £641,150 | £881,441 |
| Financial Advisers in Lewes | South East | £364,996 | £38,194 | £641,150 | £1,006,146 |
| Financial Advisers in Maidstone | South East | £365,560 | £38,194 | £641,150 | £1,006,710 |
| Financial Advisers in Medway | South East | £297,435 | £38,194 | £641,150 | £938,585 |
| Financial Advisers in Mid Sussex | South East | £436,223 | £38,194 | £641,150 | £1,077,373 |
| Financial Advisers in Milton Keynes | South East | £323,611 | £38,194 | £641,150 | £964,761 |
| Financial Advisers in Mole Valley | South East | £562,284 | £38,194 | £641,150 | £1,203,434 |
| Financial Advisers in New Forest | South East | £374,236 | £38,194 | £641,150 | £1,015,386 |
| Financial Advisers in Oxford | South East | £473,994 | £38,194 | £641,150 | £1,115,144 |
| Financial Advisers in Portsmouth | South East | £249,557 | £38,194 | £641,150 | £890,707 |
| Financial Advisers in Reading | South East | £349,144 | £38,194 | £641,150 | £990,294 |
| Financial Advisers in Reigate and Banstead | South East | £485,962 | £38,194 | £641,150 | £1,127,112 |
| Financial Advisers in Rother | South East | £339,171 | £38,194 | £641,150 | £980,321 |
| Financial Advisers in Runnymede | South East | £475,272 | £38,194 | £641,150 | £1,116,422 |
| Financial Advisers in Rushmoor | South East | £312,761 | £38,194 | £641,150 | £953,911 |
| Financial Advisers in Sevenoaks | South East | £533,529 | £38,194 | £641,150 | £1,174,679 |
| Financial Advisers in Slough | South East | £343,618 | £38,194 | £641,150 | £984,768 |
| Financial Advisers in South Oxfordshire | South East | £473,716 | £38,194 | £641,150 | £1,114,866 |
| Financial Advisers in Southampton | South East | £232,883 | £38,194 | £641,150 | £874,033 |
| Financial Advisers in Spelthorne | South East | £434,775 | £38,194 | £641,150 | £1,075,925 |
| Financial Advisers in Surrey Heath | South East | £444,970 | £38,194 | £641,150 | £1,086,120 |
| Financial Advisers in Swale | South East | £287,990 | £38,194 | £641,150 | £929,140 |
| Financial Advisers in Tandridge | South East | £498,314 | £38,194 | £641,150 | £1,139,464 |
| Financial Advisers in Test Valley | South East | £373,389 | £38,194 | £641,150 | £1,014,539 |
| Financial Advisers in Thanet | South East | £260,951 | £38,194 | £641,150 | £902,101 |
| Financial Advisers in Tonbridge and Malling | South East | £402,779 | £38,194 | £641,150 | £1,043,929 |
| Financial Advisers in Tunbridge Wells | South East | £449,883 | £38,194 | £641,150 | £1,091,033 |
| Financial Advisers in Vale of White Horse | South East | £413,205 | £38,194 | £641,150 | £1,054,355 |
| Financial Advisers in Waverley | South East | £546,965 | £38,194 | £641,150 | £1,188,115 |
| Financial Advisers in Wealden | South East | £385,544 | £38,194 | £641,150 | £1,026,694 |
| Financial Advisers in West Berkshire | South East | £403,498 | £38,194 | £641,150 | £1,044,648 |
| Financial Advisers in West Oxfordshire | South East | £422,096 | £38,194 | £641,150 | £1,063,246 |
| Financial Advisers in Winchester | South East | £471,136 | £38,194 | £641,150 | £1,112,286 |
| Financial Advisers in Windsor and Maidenhead | South East | £572,790 | £38,194 | £641,150 | £1,213,940 |
| Financial Advisers in Woking | South East | £445,943 | £38,194 | £641,150 | £1,087,093 |
| Financial Advisers in Wokingham | South East | £486,556 | £38,194 | £641,150 | £1,127,706 |
| Financial Advisers in Worthing | South East | £301,540 | £38,194 | £641,150 | £942,690 |