Friarsgate Financial Planning

What Friarsgate Financial Planning does

Friarsgate Financial Planning Ltd is a UK-based independent financial advisory firm headquartered at 1 Grey Friars, Chester, providing holistic, jargon-free financial advice to individual and corporate clients across the United Kingdom. Founded in 2019 through the merger of two established advisory firms, Arrow Financial Services and D & G Independent, the firm operates with a team of 20+ staff and is structured as a private limited company registered in England (company number 11988610). It is regulated as an appointed representative of Sense Network Limited under FCA reference 913194, with AMII membership underpinning its private medical insurance practice.

The firm's core services span three product areas: mortgages (first-time buyer, home mover, Help to Buy, remortgage, buy-to-let, self-build, and second charges), protection (life assurance, critical illness cover, income protection, accident/sickness/unemployment cover, long-term care, mortgage protection, and buildings/contents insurance), and private medical insurance (individual, family, group, and international cover). Supplementary offerings include equity release and conveyancing services delivered through referral partnerships with Equity Release Partners and specialist conveyancing firms. Technology is limited to a client login portal (friarsgatefp.mypfp.co.uk) and standard website/contact infrastructure; no proprietary platform, APIs, or AI capabilities are disclosed.

Revenue is generated through professional advisory fees (fixed fees, hourly rates, or a percentage of assets under advisory), with a free initial consultation model and quote-based pricing. Go-to-market is sales-led, combining direct client engagement via phone (01244 322 330), email ([email protected]), website enquiry forms, and a content marketing program spanning a blog plus organic social media on Facebook, Twitter, LinkedIn, and Instagram. In 2024, the firm was acquired by Lync Wealth Management, a nationwide UK financial advice firm, with Friarsgate retaining its team, brand, and client relationships under the parent's platform and migrating its website to lyncwm.co.uk.

Name

Friarsgate Financial Planning

Legal name

Friarsgate Financial Planning Ltd

Website

https://friarsgatefp.co.uk

Company type

Private

Operating status

Acquired

Headcount range

11–50 employees

Short description

Friarsgate Financial Planning is a UK-based independent financial advisory firm in Chester offering mortgage, protection, and private medical insurance advice to individual and corporate clients nationwide. Founded in 2019 via merger, it was acquired by Lync Wealth Management in 2024.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282), Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Independent Broker-Dealer / Registered Representative Networks (FSAEACAG), Broker-Dealer Affiliated Wealth Advisory (FSAEABAB)

Keywords

• Independent financial advice
• Mortgage advisory services
• Protection insurance
• Private medical insurance
• Financial planning

Headquarters

HQ city

Chester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: The firm generates revenue through professional financial advisory fees for services including mortgages, protection products (life assurance, critical illness cover, income protection), and private medical insurance. As an independent financial adviser, fees may be structured as fixed fees, hourly rates, or a percentage of assets under advisory, with the firm noting a free initial consultation.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Friarsgate Financial Planning is an independent financial advisory firm based in Chester, England, providing jargon-free financial advice across three core product areas: mortgages (whole-of-market advisory for first-time buyers, remortgages, buy-to-let, Help to Buy, and self-build), protection products (life assurance, critical illness cover, income protection, and private medical insurance), and private medical insurance (individual, family, group, and international coverage). The firm serves both individual and corporate clients across the UK, with supplementary referral services for equity release and conveyancing. The firm operates as an appointed representative of Sense Network Limited (FCA reference 913194) and became part of Lync Wealth Management in 2024.

Product overview

Friarsgate Financial Planning operates as a firm of independent financial advisers offering a unified advisory service rather than a platform-plus-modules architecture. The core offering centers on holistic financial advice across three main product areas: mortgages (including first-time buyer, remortgage, buy-to-let, self-build, and Help to Buy advisory services), protection (comprising life assurance, critical illness cover, income protection, and private medical insurance), and private medical insurance (individual, group, and international coverage). Supplementary services include equity release referrals and conveyancing referrals. The firm provides jargon-free financial advice to both individual and corporate clients across the UK, with services accessible via their Chester-based office or digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages Whole-of-market mortgage advisory service for individuals covering first-time buyers, home movers, Help to Buy, remortgages, second charges, buy-to-let, and self-build mortgages. Includes referrals to conveyancing partners. Targeted at UK consumers seeking mortgage guidance.
• Protection Personal and business protection advisory products including life assurance, critical illness cover, income protection, accident/sickness/unemployment cover, redundancy cover, long-term care, mortgage protection, and buildings/content insurance. Targeted at UK individuals and businesses seeking protection planning.
• Private Medical Insurance Private medical insurance advisory services including group policies for businesses (starting from 1 employee), individual and family coverage, international cover, and market analysis for existing policyholders. Partners with Aviva, AXA, Bupa, Cigna, and Vitality. Targeted at UK individuals, families, and corporate clients.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Lync Wealth ManagementcoreStrategic or Co-development PartnerFriarsgate Financial Planning has become part of Lync Wealth Management, a nationwide financial advice firm. The acquisition provides greater support behind the scenes while maintaining the same team and personal service. The website will migrate to lyncwm.co.uk.
• Sense Network LimitedcoreStrategic or Co-development PartnerFriarsgate Financial Planning Ltd is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. FCA reference number 913194.
• Equity Release PartnersminorChannel Partner/ Reseller/ DistributorFor equity release schemes, the firm refers clients to their trusted associate at Equity Release Partners for expert guidance on a no-obligation initial consultation basis.
• Conveyancing PartnersminorChannel Partner/ Reseller/ DistributorTrusted conveyancing partners who specialise in property law, providing quotes within 24 hours for clients purchasing or remortgaging properties.
• AvivaminorChannel Partner/ Reseller/ DistributorInsurance provider partnered for Private Medical Insurance offerings, available through the firm's holistic and independent advisory services.
• AXAminorChannel Partner/ Reseller/ DistributorInsurance provider partnered for Private Medical Insurance offerings.
• BupaminorChannel Partner/ Reseller/ DistributorInsurance provider partnered for Private Medical Insurance offerings.
• CignaminorChannel Partner/ Reseller/ DistributorInsurance provider partnered for Private Medical Insurance offerings.
• VitalityminorChannel Partner/ Reseller/ DistributorInsurance provider partnered for Private Medical Insurance offerings.
• AMII (Association of Medical Insurers and Intermediaries)coreStrategic or Co-development PartnerProfessional membership association for medical insurance intermediaries. Friarsgate is a member, providing industry recognition and access to training, resources, and industry best practices for medical insurance advisory services.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Habito: Digital UK mortgage broker offering whole-of-market advice through an online platform; comparable on the mortgage-advisory proposition but represents a digital-first emerging model that contrasts with Friarsgate's traditional IFA-led distribution.

Direct peers

• Foster Denovo: UK IFA group providing holistic financial planning, mortgages, protection and investment services to individuals and corporates; directly comparable product mix and client segments to Friarsgate.
• London & Country Mortgages: UK whole-of-market mortgage broker offering first-time buyer, remortgage, buy-to-let and protection advice; directly comparable on the core mortgage-advisory proposition that is Friarsgate's largest product line.
• Wren Sterling: UK IFA network supporting appointed representatives with compliance, tech and marketing — directly comparable business model to Friarsgate's Sense Network appointed-representative setup.
• Lync Wealth Management: Nationwide UK financial advice firm that acquired Friarsgate in 2024; comparable as a directly comparable UK IFA delivering holistic personal and corporate financial planning across the UK.

Broad incumbents

• Tilney Smith & Williamson: UK wealth manager offering financial planning, investment management and tax advisory; comparable on holistic financial advice for individuals and businesses, though operating across multiple offices and segments.
• Quilter: UK wealth manager with adviser platform serving retail and corporate clients; comparable on holistic financial planning and protection offerings, though operating at national scale with proprietary platform technology Friarsgate lacks.
• Evelyn Partners: UK wealth management and professional services firm offering financial planning, investment management and tax advice; comparable on holistic advice to individuals and businesses, though with deeper institutional capabilities.
• St. James's Place: Largest UK wealth management group with a national adviser network; comparable as an incumbent offering holistic financial planning, investments and protection, though at vastly greater scale than Friarsgate.

Others

• Sense Network Limited: FCA-authorised principal firm for whom Friarsgate acts as an appointed representative; comparable as the regulatory and back-office infrastructure peer whose economics and compliance underpin Friarsgate's operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/friarsgatefp
• Facebookfacebook.com/Friarsgatefp
• LinkedInlinkedin.com/company/friarsgate-financial-planning
• Instagraminstagram.com/friarsgatefp

Compliance1 record

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 Friarsgate Financial Planning