Andy Williamson - Chartered Financial Planner

29/01/2026

Financial Advice - the aim is to provide less stress and more clarity!

Money and finance consistently rank as one of the top three causes of stress in people’s lives — alongside health and relationships.

My role as a financial adviser isn’t just about numbers, investments, or spreadsheets. It’s about helping people feel more confident, and more in control of their financial future.

Financial advice isn’t just about money — it’s about peace of mind.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson

18/12/2025

As I prepare to wind down for the festive break, it’s always nice to take time to recharge the batteries ahead of the January rush.

If sorting out your finances is one of your New Year’s resolutions, feel free to get in touch. Retirement isn’t just about stopping work — it’s about creating the quality of life you want. I can help you build a clear plan for the future.

Until then, I wish you all a very Happy Christmas.

Andy

06/11/2025

I am getting a lot of questions about the upcoming November Budget, but the only certainty is uncertainty.

There is always so much speculation, but reacting to it typically leads to poor decisions being made. When the budget is announced, we'll have facts to work with. Until then, patience beats panic, and facts beat speculation.

If anybody has any queries before or after the Budget, or if you would like to talk about your financial planning, please do not hesitate to contact me.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson

18/09/2025

This is a very hot topic in client meetings at the moment. If anybody has any queries, please do not hesitate to give me a call.

Inheritance tax on pensions is coming soon. Learn how to plan ahead to reduce inheritance tax and protect your family's legacy.

27/03/2025

I’m delighted to share that I’ve been selected as a Top Rated Adviser in the 2025 VouchedFor Top Rated Guide, published by The Times!

A huge thank you to my clients for your support and kind reviews.

27/02/2025

The end of the tax year is always a busy time for advisers as people try to squeeze things in before deadline day on the 5th April. However, early planning is always beneficial to make sure that you are taking full advantage of your available allowances.

This has never been truer than this year, with changes coming to pension legislation and Inheritance Tax. It’s important you make the most of your allowances before they’re gone. After all, the less tax you pay, the more of your money you get to keep and put towards your financial future.

Please do not hesitate to get in contact if you would like to talk about your end of tax year planning.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson

24/01/2025

Building a stronger investment portfolio is similar to many other long-term goals, like buying a home or securing a comfortable retirement, those who embrace financial resolutions consistently see progress in their portfolio and a strong foundation for their future.

In our latest blog Oliver Stone, Fairstone Group Ltd Investment Director looks at the key investing resolutions that can make a real difference for you this year.

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If anybody would like have a chat about their financial planning, please do not hesitate to contact to me.

This link will take you to a page that’s not on LinkedIn

20/09/2024

Are you ready for Retirement?

Many people prefer to bury their head in the sand and ignore this question, rather than take ownership of the situation and evaluate their current pension provision and where they are heading for retirement.

Please do not hesitate to contact me to arrange an initial meeting, at no expense to you, to start the process of planning for your financial security in future.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson

08/08/2024

Taking the first step to approach a financial adviser is often a very daunting decision. That is why I am always grateful when clients leave a review.

Please feel free to have a look at the reviews that I have received on Vouched For, and how I have helped my clients. https://www.vouchedfor.co.uk/financial-advisor-ifa/lymm/073338-andy-williamson

If anybody would like to have a chat about their financial planning, please do not hesitate to contact me.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson

Andy Williamson is a Chartered Financial Planner for Fairstone, offering full wealth management services to the North West and beyond.

19/07/2024

A study by the Retirement Livings Standards organisation found that

• 77% of people do not know what they will need in retirement

• 51% of people believe that the minimum amount under Auto Enrolment will be sufficient to meet their requirements in retirement

• 51% of people focus on their current needs and wants at the expense of providing for their future

It found that people heading towards retirement are risking their own financial security because they don’t know how the financial decisions they make now could impact their future. Now, more than ever, savers need to engage with their own retirement outcomes. It’s time for us all to picture our future.

With savers now needing to take more responsibility, it’s important we all have the education, tools and guidance to make the right decisions for our retirement.

Please do not hesitate to contact me if you would like to discuss your pensions and retirement planning strategy.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson

02/05/2024

I’m really pleased with the 5 star rating a client just left me on Trust Pilot. Client Reviews are so important and help me to build a reputation for honesty and integrity in my role as a Chartered Independent Financial Advisor.

If anybody would like to book an initial conversation or meeting to discuss their financial planning , please do not hesitate to contact me.

11/04/2024

Are we saving enough for retirement?

This is one of the most common questions I am asked. The answer, of course, is – it all depends!

The level of your pension savings and investments necessary to support your lifestyle in retirement will depend on many things:

• The age at which you would like to retire
• How much time you have before you reach retirement age
• The kind of lifestyle you would ideally want in retirement
• Your current financial circumstances, requirements, and capacity to save
• Your attitude towards risk.

The first step is to sit down and start the process of planning for retirement. Whilst working out your income and expenditure is an obvious place to start, planning for retirement is not just about the numbers. Thinking about what you want to do with your money before and after retirement is equally, if not more important. This may be a bucket-list goal, or to make sure your children have sufficient funds to achieve their lifetime goals.

An independent adviser, like me, can help you to work out a plan and to check whether you are on track to achieve all that you would like to achieve. The earlier you identify a possible shortfall in your pension savings the better.

Please do not hesitate to contact me if you feel I can be of assistance. I will do my best to give you the assurance you are looking for, or alternatively help you map out a plan to address any concerns that you might have. Knowing that you have actually done something to start the process rolling will give you some comfort and give me an opportunity to demonstrate the value of financial planning.

Contact No: 07543 820175
Email: [email protected]
Website: www.fairstone.co.uk/adviser/andy-williamson