Innes Reid Investments Limited

What Innes Reid Investments Limited does

Innes Reid Investments Limited is a privately held independent financial advisory firm headquartered in Chester, United Kingdom, founded in 1999 and led by founder and Managing Director Mark Innes Reidford, APFS, a Chartered Independent Adviser. The firm is authorised and regulated by the Financial Conduct Authority (registration 211626) and operates as a Chartered Financial Planner practice offering financial planning, personal financial planning, business financial planning, wealth management, pensions and retirement planning, inheritance tax planning, and divorce advice. It serves private individuals, families, and business owners primarily across North West England — including Chester, Wirral, Liverpool, and Manchester — together with North Wales.

The business runs on a fee-based professional services model: prospective clients receive a free initial one-hour consultation (valued up to £300) with no obligation, followed by ongoing advisory engagements and annual reviews. Technology underpins the service through cashflow modelling tools that visualise long-term wealth scenarios, a proprietary Wealth Calculator (projecting retirement outcomes using a 5.0% net annual investment return assumption), and dedicated client portals — Wrap Adviser for Wealth Management clients and a PFP portal for Personal Financial Planning clients. Distribution is consultative and regional, with face-to-face meetings at client premises, locations of choice, or the Chester office (Dee House, Hoole Road, CH2 3NJ), positioned near the M53, A540, M56, and A55 corridors.

Marketing is content-led: an extensive blog covering pensions, retirement, tax efficiency, and investments, fortnightly insights emails via Mailchimp, active presence on Facebook, Instagram, and LinkedIn, and a Client Stories video testimonial programme. The firm holds Chartered Financial Planner status from the Chartered Insurance Institute, was named to the Financial Times Top 10 Financial Advisers list in 2025, and carries VouchedFor Top Rated Adviser recognition for Mark Reidford; its Google review profile shows 52 reviews with 10/10 ratings for service quality and understanding client needs and 9.5/10 recommendation likelihood. No revenue, headcount, or external funding data is publicly disclosed, and the firm remains independently owned with no parent company or institutional investors.

Name

Innes Reid Investments Limited

Legal name

Innes Reid Investments Limited

Website

https://innesreid.co.uk

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Innes Reid Investments Limited is a privately held Chartered Independent Financial Adviser in Chester, UK, providing financial planning, wealth management, pension, inheritance tax, and divorce advisory services to private individuals, families, and business owners across North West England and North Wales.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory (Personal Wealth Management)

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Independent financial advice
• Wealth management services
• Pension retirement planning
• Inheritance tax planning
• Financial planning advisory

Headquarters

HQ city

Chester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Fees: Fee-based financial advisory services provided to private and corporate clients. The firm offers a free initial one-hour consultation worth up to £300. Ongoing advisory services are provided on a fee basis for financial planning, wealth management, pensions and retirement planning, and inheritance tax planning.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Innes Reid Investments Limited is an Independent Financial Adviser (IFA) providing fee-based financial planning, wealth management, pensions and retirement planning, inheritance tax planning, financial planning for businesses, and divorce advice. Services are delivered by Chartered Financial Planners to private individuals and business owners across the North West of England, supported by cashflow modelling tools, an online Wealth Calculator, and dedicated client portals for Personal Financial Planning (PFP) and Wealth Management (WM) clients.

Product overview

Innes Reid Investments Limited offers a suite of integrated financial advisory services under a unified offering. The core services include Financial Planning (personal and business), Wealth Management, Pensions & Retirement Planning, Inheritance Tax Planning, and Divorce Advice. These services are delivered through their team of Chartered Financial Planners and are supported by a digital Wealth Calculator tool for retirement projections. The firm operates as an Independent Financial Adviser (IFA), providing truly independent advice across all service areas. Services are available across multiple regions including Chester, Wirral, Liverpool, Manchester, and North Wales, with a central Chester office.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service covering savings, investments, tax efficiency, and personal goal financing tailored to individual circumstances. For private individuals seeking holistic financial planning.
• Personal Financial Planning Expert planning for personal savings and investments customised to individual financial situations and goals, delivered to private clients.
• Financial Planning for Businesses Financial planning services for businesses including employee benefits, corporate pensions, and business protection strategies. For business owners and their companies.
• Wealth Management Tailored investment management service managing investments in one place according to personal goals, delivering an innovative approach to financial planning and advice. For mass-affluent and high-net-worth individuals.
• Pensions and Retirement Planning Retirement planning services including pension transfers, retirement income strategies, and pension access advice. The firm is an approved pension transfer specialist with the FCA. For individuals planning for or approaching retirement.
• Inheritance Tax Planning Estate planning and inheritance tax mitigation services to reduce or eliminate tax due on estates, incorporating specialist tax and Trust knowledge. For individuals and families concerned with estate planning.
• Divorce Advice Independent financial advice and support during divorce proceedings, providing guidance on all aspects of financial planning to help reach fair settlements. For individuals going through divorce or separation.
• Wealth Calculator Online retirement wealth calculator tool providing personalised projections based on age, retirement age, pension pot value, and monthly savings inputs. For individuals exploring retirement planning scenarios.

Quantifiable outcome

• 10/10 rating for excellent service and peace of mind from 52 Google reviews
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brewin Dolphin (RBC Wealth Management UK): UK wealth manager offering investment management and financial planning across multiple UK regional offices, now owned by Royal Bank of Canada. Comparable integrated advisory and investment management offering at national scale.
• Quilter: Major UK wealth manager operating the Quilter Financial Planning adviser network and a range of investment platforms. Comparable client base (UK HNW mass-affluent) and retirement/inheritance planning services, though operating at platform scale rather than as a single regional IFA office.
• Rathbones Group: UK-listed wealth manager serving private clients, charities and intermediaries via discretionary fund management and face-to-face investment advice. Comparable target client and holistic wealth offering, at materially broader national scale.

Direct peers

• Evelyn Partners: Top-10 UK wealth manager and chartered IFA formed via the merger of Tilney and Smith & Williamson, offering holistic financial planning, retirement, investment, tax and estate advice. Directly comparable integrated independent-advice model, with broader scale and platform infrastructure.
• AFH Financial Group: UK independent financial adviser consolidator actively acquiring regional IFA firms and providing them with compliance, platform and back-office infrastructure. Direct strategic comparable for a regional UK IFA considering inorganic growth or exit.
• Forrester Financial Planning: UK chartered independent financial adviser operating across North-West and other UK regions, focusing on retirement, investment and estate planning for individuals. Highly comparable regional chartered-IFA model.
• St. James's Place: Largest UK wealth management group built on a network of independent partner IFAs delivering face-to-face financial planning and investment advice to HNW mass-affluent and affluent clients. Directly comparable business model and target client to Innes Reid, though at materially greater scale.
• Lighthouse Wealth Management: UK chartered independent financial adviser providing face-to-face financial planning, retirement, IHT and wealth management services to private clients. Closest structural comparable to Innes Reid at a similar scale.
• Sanlam UK: UK wealth planning arm of Sanlam, delivering independent and restricted financial advice and wealth management to HNW individuals. Directly comparable client segment and service mix.

Emerging players

• True Potential Wealth Management: UK wealth management firm pairing independent advisers with a proprietary technology platform and restricted investment wrappers. Comparable IFA-led model serving retail and mass-affluent clients, with stronger technology enablement.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/InnesReidIFA
• LinkedInlinkedin.com/company/innes-reid-investments-ltd
• Instagraminstagram.com/weareinnesreid
• Xx.com/innesreidifa

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Innes Reid Investments Limited