Financial Adviser in Bexley
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Finding a Financial Adviser in Bexley
First, what Delphina is and is not
Delphina is not a financial adviser and has no office or advisers in Bexley. We provide guidance, not regulated advice: tools to work out your retirement number and coaching by video call. If you want a regulated adviser in Bexley, here is how to find a good one.
How to find a regulated adviser near Bexley
- Search the FCA register to check any firm is authorised for the advice you need.
- Use the MoneyHelper retirement adviser directory, or adviser search sites such as Unbiased and VouchedFor, filtered to Bexley.
- Ask whether the adviser is independent (whole market) or restricted (a limited range), and for every charge in pounds before you agree.
- For a final salary pension worth more than £30,000, the law requires regulated advice before you transfer, from a pension transfer specialist.
What advice typically costs
Which? puts typical initial fees at 1% to 4% of the money being advised on, and ongoing fees at 0.5% to 1.5% a year. On a pot the size of the Bexley retirement number (£561,025), ongoing advice would cost £2,805 to £8,415 a year. Local firms set their own prices, so compare at least two. More in our guide to how much a financial adviser costs.
Do you need advice, or a clear answer?
Regulated advice earns its fee on decisions that are hard to undo: pension transfers, turning a pension into an income, inheritance tax. If your question is "am I on track?" or "how much should I be saving?", guidance is often enough. Read is a financial adviser worth it for the trade-off.
The case for a video call
A Delphina coaching session covers the same ground as a first meeting about your retirement: your pensions, your number and what to do first. It is by video, so there is no travel, and it is a fixed fee from £99. It is guidance, not regulated advice, and if the session shows you need an adviser, your coach will say so.
Book a coaching callFrequently 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 Bexley?
Check any adviser is FCA-authorised on the Financial Services Register before handing over money. Directories like Unbiased and VouchedFor list advisers serving Bexley, 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 Bexley
Bexley has an average house price of £410,445, which is 51% higher than the UK average of £271,000 (ONS UK House Price Index, May 2026).
Annual living costs in Bexley are estimated at £34,989, 7% above the UK average of £32,700. The figure is based on ONS regional price levels for London and leaves out housing costs and council tax. Housing 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 Relative regional consumer price levels of goods and services (2016); Pensions UK Retirement Living Standards (2026).
Your Bexley Retirement Number
per year
£12,548
£12,548/yr at age 67
£22,441
Annual costs − State Pension
£561,025
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Assuming retirement at state pension age · Bexley cost of living data · UK State Pension 2026/27
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Explore Other Locations in London
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| Financial Advisers in Barking and Dagenham | London | £360,679 | £34,989 | £561,025 | £921,704 |
| Financial Advisers in Barnet | London | £588,293 | £34,989 | £561,025 | £1,149,318 |
| Financial Advisers in Brent | London | £538,452 | £34,989 | £561,025 | £1,099,477 |
| Financial Advisers in Bromley | London | £518,311 | £34,989 | £561,025 | £1,079,336 |
| Financial Advisers in Camden | London | £772,336 | £34,989 | £561,025 | £1,333,361 |
| Financial Advisers in Croydon | London | £388,821 | £34,989 | £561,025 | £949,846 |
| Financial Advisers in Ealing | London | £566,930 | £34,989 | £561,025 | £1,127,955 |
| Financial Advisers in Enfield | London | £464,044 | £34,989 | £561,025 | £1,025,069 |
| Financial Advisers in Greenwich | London | £465,960 | £34,989 | £561,025 | £1,026,985 |
| Financial Advisers in Hackney | London | £611,039 | £34,989 | £561,025 | £1,172,064 |
| Financial Advisers in Hammersmith and Fulham | London | £730,674 | £34,989 | £561,025 | £1,291,699 |
| Financial Advisers in Haringey | London | £646,557 | £34,989 | £561,025 | £1,207,582 |
| Financial Advisers in Harrow | London | £530,414 | £34,989 | £561,025 | £1,091,439 |
| Financial Advisers in Havering | London | £441,241 | £34,989 | £561,025 | £1,002,266 |
| Financial Advisers in Hillingdon | London | £470,887 | £34,989 | £561,025 | £1,031,912 |
| Financial Advisers in Hounslow | London | £509,325 | £34,989 | £561,025 | £1,070,350 |
| Financial Advisers in Islington | London | £679,463 | £34,989 | £561,025 | £1,240,488 |
| Financial Advisers in Kensington and Chelsea | London | £1,256,680 | £34,989 | £561,025 | £1,817,705 |
| Financial Advisers in Kingston upon Thames | London | £572,759 | £34,989 | £561,025 | £1,133,784 |
| Financial Advisers in Lambeth | London | £554,128 | £34,989 | £561,025 | £1,115,153 |
| Financial Advisers in Lewisham | London | £489,602 | £34,989 | £561,025 | £1,050,627 |
| Financial Advisers in London | London | £594,961 | £34,989 | £561,025 | £1,155,986 |
| Financial Advisers in Merton | London | £601,401 | £34,989 | £561,025 | £1,162,426 |
| Financial Advisers in Newham | London | £384,258 | £34,989 | £561,025 | £945,283 |
| Financial Advisers in Redbridge | London | £500,969 | £34,989 | £561,025 | £1,061,994 |
| Financial Advisers in Richmond upon Thames | London | £785,897 | £34,989 | £561,025 | £1,346,922 |
| Financial Advisers in Southwark | London | £564,359 | £34,989 | £561,025 | £1,125,384 |
| Financial Advisers in Sutton | London | £450,859 | £34,989 | £561,025 | £1,011,884 |
| Financial Advisers in Tower Hamlets | London | £458,392 | £34,989 | £561,025 | £1,019,417 |
| Financial Advisers in Waltham Forest | London | £528,353 | £34,989 | £561,025 | £1,089,378 |
| Financial Advisers in Wandsworth | London | £672,069 | £34,989 | £561,025 | £1,233,094 |
| Financial Advisers in Westminster | London | £844,095 | £34,989 | £561,025 | £1,405,120 |