Choosing a financial adviser is a big decision — and it’s natural to have questions before you commit.
You might be wondering whether advice is really worth the cost, how hands-on the process will be, or what actually happens once you become a client. These are exactly the questions we’d want answered too, if we were in your position.
At Dennehy Wealth, we believe good advice should be clear, straightforward, and built around what matters to you — not sales targets or one-size-fits-all solutions.
Below, we’ve answered some of the questions we’re asked most by people considering working with us. If there’s something on your mind that isn’t covered, get in touch and we’ll give you a straight answer.
Some of the questions we hear most from clients?
Are you FCA registered?
Yes, Dennehy Wealh is an FCA registered firm. Our registration number is 114360.
Please ensure that you check the FCA Register for yourself before dealing with any financial advice firm. This is the first box you want to tick off your checklist when looking around, but be aware that just because a firm is FCA registered, it does not guarantee that they will act ethically and so you must do wider due diligence.
If you would like us to provide you with a clear and simple checklist of what to ask and look out for when selecting a financial planning firm, just email us enquiries@dennehywealth.co.uk and we would be happy to share.
Why do I need a financial adviser?
Many people don’t realise that they need a financial adviser, but that’s for us to show the value we can add.
A financial adviser isn’t just someone who can help you as a one-off. It’s a relationship that is built over many years, guiding you through all of life’s obstacles. We get to know you, and your family if you deem that appropriate, and provide honest, transparent and friendly advice.
Do you know the answers to any of the below? If not, get in touch with us today and we can provide clarity for your future.
- How much money do you need to save now to have a comfortable retirement? (This applies regardless of age!)
- How should you invest your money if you are looking to buy your first home?
- How will my husband or wife know what to do with our money if I die first?
- What’s the best way to save for your children or grandchildren?
What does it mean to have Chartered status?
Our Chartered status is something we’re extremely proud of, and it’s a status that approximately only 15% of financial planning firms hold in the UK.
As Chartered Financial Planners the client is always at the centre of how our firm operates. Being Chartered highlights our dedication to ensuring that everyone within our team provides a first-class service, with a commitment to always raising our standard of knowledge and technical competency.
Is your advice independent?
Yes, we are a fully Independent Financial Adviser (IFA) firm. This means that we are not restricted to a limited pool of funds or investments, and we have whole of market access.
Do you outsource your investment research?
No, we keep everything inhouse. Our investment team is lead by Chartered Wealth Manager Joe Richardson, along with out Managing Director Brian Dennehy.
The fact that we are an independent firm further compliments our inhouse research team.
What is unique about Dennehy Wealth?
We are a small, family-run team, who love what we do. Whether we’re helping clients make that difficult psychological shift into retirement, or helping at local events supporting the community, Dennehy Wealth is a trusted partner built on long-term relationships, personal care, and a genuine commitment to helping people thrive.
Our Chartered, independent and long-established approach combines thoughtful financial planning with disciplined investment management, helping clients make confident decisions for the future.
We strive to simplify the solutions to your financial planning problems, not create complexity in an already difficult to understand industry.
Do you only provide advice on pensions and ISAs?
Whilst a significant proportion of our advice is around pensions and ISAs, it’s by no means the only products we can advise on.
A lot of products can be quite technical, which we won’t get bogged down with now. Instead, we can chat through your options depending on your circumstances and objectives.
Insurance and protection are also key areas of advice that we cover – and keep an eye out for our mortgage service which is launching in 2026!
Can you consolidate my pensions for me?
Absolutely, pension consolidation is something we do often for clients. It’s a great way to keep your pension money tight and in one place, making your life easier.
Please be aware that we are unable to help with Defined Benefit/Final Salary schemes, as these are slightly different and require a different set of regulatory authorisations.
Can you help me with tax planning?
Tax planning is a vital part of our offering. Whether it’s navigating Capital Gains Tax (CGT) or simplifying your Inheritance Tax (IHT) position, this is key to what we provide you with as Chartered Financial Planners.
It is worth pointing out that whilst we can help with the above, we are not tax specialists, and there will be some instances where you would be better guided by an Accountant – we are happy to recommend a firm we work closely with.
Will I have my own financial adviser?
You will be assigned your own financial adviser in your initial consultation, typically a Chartered Financial Planner. Whilst they will be your main point of contact throughout your relationship with us, we have a wider administrative team who are always available to help, and we very much encourage a team approach here.
Do you have a minimum investable amount?
Typically, clients come to us with a minimum investable amount of £400,000. This can be across your pensions, ISAs or cash, and it can include your partners assets too. Not sure if you have enough? Please just email us at enquiries@dennehywealth.co.uk and we will assess your situation more closely.
More information on this in the next question.
I don’t have the minimum investable amount, what should I do?
Don’t worry, we know that everyone is at different stages of their investing journey. That’s why we typically make the following exceptions to the minimum amount, these are:
- Younger individuals who are very much looking to begin saving and investing, we’re always here to encourage and guide you through this.
- High earners who don’t quite have the £400,000 threshold but are looking to save regularly.
- Those who have received an inheritance and are unsure what to do with the lump sum.
As mentioned in the question before, if you’re unsure then please just email us at enquiries@dennehywealth.co.uk as we assess everything on a case-by-case basis.
I already have an adviser, how can you help me?
We have plenty of clients who come to us from other advisory firms and there is no problem with speaking to us or indeed becoming a client of ours if this is the case. We understand this can sometimes be a difficult move to make, and we will take all necessary due diligence to ensure a smooth transition.
I’m not based in Chislehurst, can I still talk to you?
Absolutely! In fact, we have clients all over the UK and we have no issues building those relationships over online video calls.
If you are more local and would like to come and see us in person, then we have clients from across Bromley, Blackheath, Sevenoaks and further afield all coming to Chislehurst.
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