Financial advice
for Heswall, West Kirby
and the Wirral
I'm an independent financial adviser based in Southport, working with individuals and families across Heswall (CH60), West Kirby (CH61) and the Wirral. From pension planning to retirement, I provide straightforward, impartial advice.
Impartial guidance designed around your circumstances
100% Independent
Not tied to any product provider. I search the whole market to find solutions that genuinely suit your situation, not what's easiest to sell.
Accessible from the Wirral
Based in Southport, I work with clients across Heswall, West Kirby and the wider Wirral. Whether you're in CH60, CH61 or CH48, meetings are available in person or by video call - whichever works for you.
Clear, Straightforward Communication
Financial jargon clouds understanding. I explain things plainly - what matters, why it matters, and what happens next. You leave knowing exactly where you stand.
High property values — and the IHT exposure that comes with them
Heswall and West Kirby are among the most prosperous areas in Cheshire and Merseyside, with property values that regularly place estates above the inheritance tax threshold. For families here, accumulated wealth across property, pensions and investments can create a meaningful IHT liability.
Without structured planning, a significant portion of what you've built can pass to HMRC rather than the people you intended to benefit. The difference between an estate with a clear plan and one without can run into hundreds of thousands of pounds.
As an independent adviser working with clients across the Wirral, I help families understand their position and put appropriate structures in place — whether through gifting strategies, trust planning or ensuring pensions and investments are held in the most tax-efficient way.
A full range of independent financial advice
Pension Advice
Consolidate old pensions, maximise your annual allowance and plan a tax-efficient income for retirement.
Learn more →Inheritance Tax Planning
Property values in Heswall and West Kirby mean IHT is a real concern for many families here. I help you plan around it with the right structures in place.
Learn more →Cashflow Planning
See a clear picture of your financial future. Understand how long your money will last and what changes might be needed.
See how it works →Tax-Efficient Investment Advice
Maximise ISA allowances and use tax-efficient investments to keep more of your money working for you.
Learn more →Protection Review
Life insurance and income protection gaps mean many families are underinsured. I'll review your needs and source the right cover.
Learn more →Unsure where to start? A free introductory call gives you clarity on what matters most.
Book a free callAbout John Anthony Sykes
I'm John Anthony Sykes, an independent financial adviser based in Southport. I'm an Independent Financial Adviser connected to Fintuity and work with individuals and families across Heswall, West Kirby and the wider Wirral.
My work is focused on pensions, retirement planning, inheritance tax and cashflow analysis - typically for people who are approaching or already in retirement, and those thinking about passing wealth to the next generation.
Fees are transparent and agreed before any work begins. A free 20-minute introductory call is available - no obligation to proceed.
Ready to move forward?
The first conversation is free. No obligation, no pressure - just clarity on where you stand and what your options are.
Book your free 20-minute call