Financial Advice
Services
in Halifax
Six areas of advice, one qualified adviser, and no obligation to decide which you need before you get in touch. Most people arrive with a situation rather than a service in mind, and that is a perfectly good place to start.
Free initial consultation. Any charges are agreed with you in writing before any work starts.
- 6Areas of advice
- DipFADiploma for Financial Advisers
- FCARegulated, FRN 460421
- FreeInitial consultation, no obligation
- One adviser, start to finish
- Charges agreed in writing first
- Office, home visit or video call
- Plain English and a straight answer
What Can We
Help You With?
Every one of these is handled by Joanne herself, from the first phone call through to the annual review. Nothing is passed to a department.
We work across Calderdale and the Calder Valley: Halifax town centre, Sowerby Bridge, Brighouse, Elland, Hipperholme, Northowram, Illingworth, Ripponden, Mytholmroyd, Hebden Bridge and Todmorden, as well as Huddersfield, Bradford and Leeds. Meetings happen at our office on West Parade, at your home, or by video call.
Retirement & Pensions
Old workplace pensions traced and valued, consolidation weighed up against any guarantees you would lose, and a straight answer on whether you can afford to stop when you hoped to. Drawdown and annuities explained in terms of what they actually mean for your income.
Pension and retirement advice
Savings & Investments
ISAs, investment portfolios and monthly savings, built around what the money is actually for and how much risk you are comfortable with. Whether you are putting away a regular amount or deciding what to do with a lump sum, the starting question is the same.
Savings and investment advice
Equity Release
Money released from your home without moving out, usually through a lifetime mortgage. It suits some people and is clearly wrong for others, which is why it needs proper advice rather than a quote. Joanne holds CeRER, one of the qualifications required to advise on it.
Equity release advice
Life & Critical Illness Cover
Life cover and critical illness cover, sized around your mortgage, your income and the people who would struggle without you. Often less expensive than people expect, and usually arranged later than it could have been.
Life and critical illness advice
Financial Planning
Everything in one view: income, tax efficiency, what happens to it all eventually, and a cashflow model that shows whether the plan survives contact with real life rather than only working on paper.
Financial planning advice
Divorce Financial Advice
Pensions are often overlooked in a divorce and are frequently the largest asset after the family home. We work alongside your solicitor so the numbers are understood before anything is signed, and we look at what you can realistically afford afterwards.
Divorce financial adviceWhich of These
Sounds Like You?
Most people describe a situation rather than a service. Find the one closest to yours and it will point you at the right place to start.
Who Will You
Be Dealing With?
Every Step Financial Services works out of Croft Myl on West Parade, in the middle of Halifax. Joanne has worked in financial services for ten years, starting out advising on mortgages before qualifying as a financial adviser four years ago.
It is a small firm on purpose. She takes your first call and she is still the one sitting opposite you at the annual review three years later. You never have to explain your situation twice.
- Ten years in financial services, first in mortgages, now advising
- Diploma for Financial Advisers (DipFA)
- Certificate in Regulated Equity Release (CeRER)
- Appointed Representative of New Leaf Distribution Ltd, FCA FRN 460421
Still not sure?
Tell us what is on your mind and we will tell you honestly which of these is relevant, or whether none of them is.
No cost, no obligation
What Happens
When You Get In Touch?
Four steps. Nothing is charged until you have seen the number and agreed to it in writing.
Free first conversation
Twenty minutes working out what you have got and what is worrying you. Costs nothing, commits you to nothing.
We gather the facts
Statements, policies, income, outgoings. We chase the providers for the bits you cannot find, which is the part people dread.
Clear recommendations
Written in plain English, with the costs, the risks, and what happens if you do nothing at all.
Ongoing reviews
We check in once a year, or sooner if something shifts. Jobs, inheritances and separations all move the numbers.
Advice or Guidance?
They Are Not the Same
Plenty of free help is available, and for some people it is enough. This is the difference, so you can judge which you need.
| Guidance | Regulated advice | |
|---|---|---|
| What you get | Your options explained in general terms | A specific recommendation for your circumstances |
| Who decides | You do, entirely on your own judgement | You do, but on a documented recommendation |
| Who is responsible | You are | The adviser is, and is regulated for it |
| If it goes wrong | No recourse | Access to the Financial Ombudsman Service |
| Cost | Usually free | Charged, and agreed in writing first |
| Where to get it | MoneyHelper, Pension Wise, your provider | An FCA authorised firm such as this one |
If your situation is straightforward, guidance may be all you need, and we will say so. Advice earns its keep when the decision is complex, irreversible, or worth a lot of money.
Questions People Ask
Before Getting In Touch
Joanne is very thorough and efficient and takes the time to explain all the details of the work she undertakes. I won't be going anywhere else for my financial advice
Spoke with Jo for ten mins, and was told more about withdrawing my pension pot in them minutes than the Provider has told me in the last 7 weeks. Very professional and very helpful, would certainly recommend
Jo was so helpful. After having concerns on some financial queries, Jo was very knowledgeable and reassuring. She helped put my mind at ease and has given me confidence in moving forward.
First time using Every Step Financial Services and they have been brilliant, professional while making you feel comfortable as sometimes talking about things what they deal with are confusing and sometimes hard to understand for me anyway , this company can walk the walk as well as talk the talk thank God!!
Joanne was brilliant. listened to what I needed and then went through my pensions and explained what was going on with them. Would seriously recommend Joanne to all my friends & colleagues.
I am delighted to speak on behalf of JOANNE FLANAGAN of Every Step Financial Services. Joanne has provided financial advice to my wife and I for some time now and she has always offered this advice in a most professional manner. She listens carefully to our views and reflects them in her judgements. For many years Joanne ably monitored our investments and offered us advice on the way forward. Recently however Joanne has gone beyond what we could have expected as she has supported us with help, compassion, and understanding during our daughter's difficult divorce. We have had to loan our daughter much of our savings to fund her legal bills which have come in at irregular and sometimes unexpected moments. Joanne has always been there to with advice and help organising the arrangements and managing our withdrawls. She has proved herself a true friend as well as a financial adviser. When the divorce is settled and the loan repaid I look forward to reinvesting our savings with Joanne and Every Step. Thank you Joanne Frank Jeffs 14/12/24
First class service, with Joanne going above and beyond the call of duty. She is always available for a chat about plans, keeps me informed and quickly actions changes when needed. Can not recommend highly enough
Jo is a an actual lifesaver. I was on the hook for a >£100k inheritance tax bill after an 18 month probate process. My lawyer had tried everything, and we were in dire straits - the bill exceeded what was available in cash to pay it. I got second and third opinions from lawyer friends… No one had any better news for us. In desperation I turned to Jo who immediately spotted that I was entitled to transfer some of my deceased father’s allowance since my parents never divorced. SOMETHING MY LAWYER COMPLETELY MISSED! Unlike Jo, he’d just assumed that because they weren’t together, they were divorced. Jo takes the time to know her customers, assumes nothing, listens to EVERYTHING and that, along with her razor sharp mind and fairly recent training means she is on top of all the most recent legislation and can get the very best outcomes for her clients. My bill dropped to £8.5k thanks to Jo’s knowledge and intelligence and I am forever in her debt. Thank you, Jo. I cannot sing your praises highly enough, and my mum would be so, so grateful to you 🙏🏼
I've worked with Jo for a few years now & she is extremely approachable & friendly. Her advice has helped so much in understanding about my future finances. She actually talks in a language that I understand & makes it easy to get to grasps with financial stuff which is not my forte. I have recommended Jo to friends & family & they have benefitted from her advice too.
Absolutely incredible service! Joanne took the time to sit with us, talk to us (not at us!) and understand our very complex, individual circumstances. Her advice was unbiased, considered and perfectly suited to our needs. Highly recommend!!
Jo has helped my wife and me with our pension planning and given us general financial advice. She is extremely knowledgable and helpful and we can highly recommend her services.
Speak to Joanne
Book Your Free Consultation
Tell us a little about your situation. You do not need to have made a decision, a question is enough. Or call 01422 652300 and speak to Joanne.