Business Details
21 Years
experience
Trusted Independent Financial Advisers in Lancashire
Mml Financial Associates was founded in 2005 by John Mawdesley, a financial services professional with over 25 years of industry experience. We specialise in providing comprehensive financial planning solutions to individuals and businesses across the North West of England. Our FCA-authorised status (FCA No. 577269) ensures all advice meets rigorous regulatory standards. We adopt a holistic approach to financial planning, considering clients' complete circumstances rather than isolated products. Our services encompass pensions, investments, mortgages, protection, inheritance tax planning, and equity release.We prioritise transparency in all dealings and maintain open communication throughout the advisory process. Our team combines technical expertise with local market knowledge to deliver tailored solutions. We hold regular professional qualifications including FP1, FP2, FP3, R02, and R08 certifications. Client relationships are built on trust, with a commitment to ongoing support and portfolio reviews. We operate from our Coppull-based office, serving both local communities and clients nationwide through digital channels.
Services
Financial Planning
Pension Advice
Investment Management
Mortgage Solutions
Protection Planning
Inheritance Tax Planning
Equity Release
Wealth Management
Details
- Year established: 2005
Highlights and features
- Established in 2005 with FCA authorisation (No. 577269)
- Holistic financial planning approach considering complete client circumstances
- Team holds advanced qualifications including FP1, FP2, FP3, R02, and R08
- Local community involvement since our Coppull establishment
- Personalised service combining technical expertise with practical solutions
Associations and certifications
- Financial Conduct Authority
Services
Financial Planning
Our comprehensive financial planning service creates tailored strategies considering your complete financial picture. We analyse income, assets, liabilities, and goals to develop actionable plans for wealth growth and preservation. With regular reviews and adjustments, we ensure your financial strategy evolves with changing circumstances while maintaining FCA-compliant standards throughout the advisory process.
Pension Advice
Specialist pension guidance covering accumulation, consolidation, and income strategies. We help clients maximise retirement savings through tax-efficient arrangements while considering state benefits and workplace schemes. Our FCA-regulated advice ensures compliance with pension freedoms and lifetime allowance considerations, providing clear pathways to achieve desired retirement lifestyles.
Investment Management
Customised investment solutions matching individual risk profiles and financial objectives. We construct diversified portfolios using leading fund managers while maintaining regular performance monitoring and rebalancing. Our approach combines strategic asset allocation with ongoing market analysis to optimise returns within agreed risk parameters, ensuring alignment with long-term financial goals.
Mortgage Solutions
Comprehensive mortgage advisory service covering residential, buy-to-let, and specialist property financing. We assess clients' financial circumstances to identify suitable mortgage products with appropriate risk mitigation strategies. Our independent status provides access to the full mortgage market, ensuring competitive rates while considering protection requirements and long-term affordability.
Protection Planning
Tailored protection strategies safeguarding against life's uncertainties. We assess income protection, critical illness cover, and life insurance needs to create comprehensive safety nets. Our advice considers both personal circumstances and business requirements, ensuring financial security for dependants while maintaining affordability and appropriate coverage levels.
People
John Mawdesley
Company Director and Financial Adviser
Director and founding member with 25+ years' experience in financial planning. Holds DipPFS and multiple CII certifications. Specialises in pensions, investments, and tax mitigation strategies while maintaining strong community ties through local charity support.
Questions
What financial services do you specialise in?
We specialise in pensions, investments, mortgages, protection planning, inheritance tax mitigation, and equity release solutions for individuals and businesses.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference number 577269.
How does your financial planning process work?
We begin with a comprehensive fact-find to understand your circumstances, then create tailored strategies considering all aspects of your financial situation before implementing solutions.
Do you charge for initial consultations?
We offer obligation-free initial discussions to understand your needs before discussing any fee structures for formal advisory services.
What areas do you cover?
Based in Coppull, Lancashire, we serve clients across the North West and nationwide through virtual meetings and digital communication channels.
How can I make a complaint?
We take complaints seriously - contact our office directly or contact the Financial Ombudsman Service if unresolved within our internal process.
