West Riding Personal Financial Solutions Ltd

15/03/2026

In this Times article Jim Armitage acknowledges how I warned the FCA that LCF was a swindle, YEARS before the scandal broke, costing investors £237m:

14/03/2026

Would you like to rescue a dog? Get one from 8 Below Husky Rescue, Northumberland Dog Rescue or Tyrone Husky Rescue and we, West Riding Personal Financial Solutions Ltd will pay the adoption fee for you.

24/12/2025

THIS is what I call a team! Our office Christmas dinner at La Bella Vita, Garforth, 2025.

16/12/2025

What we're doing to keep savers safe:

Financial frauds hurt all investors and pension savers. At a personal level, individuals can be tragically deprived of their life savings and condemned to an impoverished retirement.

06/12/2025

A request -

- If you are in the UK or Ireland could you please offer a home to a rescue dog? I support these wonderful charities:

https://www.facebook.com/NorthumberlandDogRescue

https://www.facebook.com/search/top?q=8%20below%20husky%20rescue

https://www.facebook.com/TyroneHuskyRescue

and they desperately need to home some dogs. Thank you.

Please book an appointment to view our dogs. Please be aware due to poor signal at the rescue, there may be a delay in responding to your message. Thank you for your patience. 🙏🏻

27/11/2025

I'm often asked what makes us different from other adviser firms, and even what makes us different from other businesses in general.

There are so many things, I hardly know where to start, but I guess money is a good place.

We're not greedy. Believe it or not, it is perfectly possible to succeed in business without being greedy.

Want an even bigger revelation? Okay, being GENEROUS can actually make you MORE successful.

We've always aimed to be generous to clients, to colleagues, and to the community. Weirdly, we've NOT gone bust! On the contrary, we've made a profit from day one, we've increased our turnover and profits most years, and we've managed, at the same time, to CUT what we charge clients.

What's the secret? The secret is not being greedy, simple as. I pay some colleagues more than I pay myself, and I'm very happy to do that. I look forward to the day when I pay them all more than I pay myself.

I learned generosity from my dad:

A.  Fine. My dad was a coal miner and my mother a garment worker.  All my holidays in the 60s and 70s were spent in caravans at Hornsea on the East Yorkshire coast until I was 13, when we went to Innsbruck on a Wallace Arnold coach tour.  I went to the local state schools where I’ve sent my own...

15/11/2025

Castleford in 1888:

View georeferenced historic maps as overlays on modern satellite, LiDAR and map layers

07/11/2025

A lot of people are panicking (again!) about what the Chancellor might do in her budget re' pension tax free cash. Here's an article I wrote last year: https://www.linkedin.com/pulse/dont-panic-your-pension-tax-free-cash-should-safe-neil-f-liversidge-kkxde/ My position is the same now as then.

I do not know what Reeves will say in her budget speech. What I can say is:

1) If she does nothing about tax-free cash, then you’ll probably be worse off for having withdrawn your money from its tax shelter.

2) If she does anything about tax-free cash the most likely thing she will do is to say that whatever your tax-free cash entitlement was based on the value of your plan on [D-Day] will be as much as you can take.

3) The next most likely thing is that she limits tax-free cash to a specific number like £100k or £250k or whatever, per person.

4) If she cancels the right to tax-free cash (highly unlikely in my opinion – see my article as to why) then you would have been better off for having withdrawn pre-budget.

For what it’s worth, my wife and I are not withdrawing our tax-free cash pre-budget. I put my money where my mouth is.

I’ve had a fair few calls lately from clients and non-clients worried that the Government will remove savers’ right to take 25% of their Personal Pension pots as tax-free cash. Obviously, I can’t guarantee that the Government won’t do something so unfair or stupid.

04/11/2025

As we move towards the year end, we are absolutely booked solid with client meetings and recruiting extra staff to handle the ever-increasing workload. We are particularly finding a demand for our services from clients of formerly independent adviser firms who've sold out to 'consolidators' such as True Potential after their advisers have cashed out and retired. They're understandable unhappy that their fees have gone up while 'service' seems to be a thing of the past. Whereas they previously dealt with real people, now they're being told to talk to an app.

People keep asking me when I'll retire. The answer is that I have no plans to do so. Three things keep me going: 1) Getting great results for clients; 2) Helping people build great careers; and 3) The joy of working with people, both clients and colleagues. This is a people business. We'll never ask you to talk to an app or a bot. Phone us in business hours and you should find your call answered by a real person in 2-3 rings. If you're a client already, you know how to get me 24/7 if it's urgent.

If you think you might like to work here, we offer 30 days paid holiday including statutory days and we're known as one of the best-paying firms in the entire profession. Staff bonuses have averaged between 15% pa and 20% pa for at least ten years now and we give colleagues a free early finish on Fridays.

I know what you're thinking: How do we manage to be so generous to staff and still charge less than everyone else? The answer is that we, the owners, my wife and I, aren't greedy. It's as simple as that. We don't take an excess amount out of the pot, and that way there's more to go around for the rest of the workforce whilst still keeping our fees rock-bottom. Our company is the nearest thing to a workers' co-operative that actually works, unlike the two Tony Benn founded back in the 1970s. We're an owner- managed business where everyone mucks in, us included. Nobody works for us. They work with us.

Another adviser joins us on 1 December, and we expect to have another administrator join us before the year end, but we shall continue to expand. So, if you have the skills and the experience we need, either in advising or administration, why not drop us a line? Send your CV to me, Neil F Liversidge email [email protected]. Alternatively, if you're reading this as a potential future client, the email address is the same or call me on 01977 808600. Either way, I shall look forward to speaking to you.

Call now to connect with business.

27/10/2025

Vacancy – Financial Services Administrator
Basic To £30,000 + Bonus + Employer-Paid Pension + Extra Holidays + Free Parking

We require a conscientious administrator with an excellent work ethic for our town centre office in Castleford, West Yorkshire. You will ideally have at least three years’ experience in pensions and investments, be familiar with industry platforms like Fidelity and Transact, and back-office systems like Intelligent Office.

With 600 clients and £135m under management, we have a busy office with nearly all new clients coming by referral from existing satisfied clients. Attention to detail and accuracy are of paramount importance. We pride ourselves on delivering the best advice and service obtainable anywhere, regardless of the firm size.

We work a 35-hour five-day week, Monday to Friday, 9am to 5pm. Holidays are 30 days per annum including statutory. The salary is £25,000 to £30,000 depending on your qualifications and experience, plus an annual bonus, plus, we pay 9% of your basic salary into your pension with no contribution required from you. In recent years, the annual bonus has averaged 15-20%

As a close-knit mutually supportive and dedicated team, we want a team player who is completely committed to playing a full part in the business. We take mentoring seriously. For that reason, this role is 100% office based. We train colleagues to a high standard and to do that successfully we need them in the office with us. WFH/Hybrid working is not on offer and never will be, so please only apply on that understanding.

You must also be highly literate and numerate and be able to work with complete and total accuracy when completing financial transactions such as share purchases, sales, and transfers.

Check out our website www.wrpfs.com or Google us to see what the media says about us. We get a good write-up in the trade press and also in the Times, Telegraph, and Guardian amongst others. We've even had favourable references made to us by MPs in the House of Commons, as reported in Hansard.

For the right person, this is a great opportunity. We genuinely care about those we employ, and we have an outstanding track record of helping genuine hardworking people to build great and rewarding careers.

Interested? Email your CV with a covering note to me, Neil F. Liversidge, [email protected].

Founded in 2004, West Riding Personal Financial Solutions Limited, is registered in England as Company Number 5142989 and is directly authorised by the Financial Conduct Authority as firm number 402246.

17/10/2025

We're having some technical difficulties with the phones this morning, please bear with us while they are resolved!

16/10/2025

Value For Money - How Our Charges Compare With The Competition

How Do Our Charges Compare With the Competition? A 2023 survey showed that average adviser initial charges were 2.3% initial and 0.