When it comes to managing your money, especially later in life, choosing the right financial adviser is crucial.

Stonehaven, often associated with equity release products and retirement solutions, has been mentioned as a potential option for those seeking advice.

But is Stonehaven the right adviser for you?

In this article, we’ll explore what Stonehaven offers, what to consider before working with them, and how they compare to other financial advice options.

COMMENT: TimeBank is an unconnected third-party data provider via this medium, and the reproduction in this piece represents the views of TimeBank only and may not replicate the observations of Stonehaven. This article is not to be classified by the user as instruction, nor is it a recommendation to transact any financial product offered by Stonehaven.

Who is Stonehaven?

Stonehaven originally made its name in the UK market specialising in equity release products.

They were among the first to focus specifically on helping older homeowners unlock the value tied up in their property.

Since their early days, Stonehaven merged into more2life, a larger later-life lending brand, but their heritage still matters.

If you are exploring financial advice from Stonehaven today, you are likely speaking to advisers who specialise in:

• Equity release
• Retirement income planning
• Later life financial solutions

However, their advice may not cover the full spectrum of broader financial planning needs.

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What Services Does Stonehaven Offer?

Stonehaven (and their associated brands) mainly offer:

• Equity Release Advice: Helping homeowners release tax-free cash from their property.
• Lifetime Mortgage Products: Tailored solutions depending on individual needs.
• Retirement Income Strategies: Ensuring your pension, savings, and property work together to support your later years.
• Inheritance Planning: Limited advice related to preserving wealth for beneficiaries.

Their core strength lies in helping people aged 55+ make the most of their property wealth.

If you are looking for pension consolidation, ISA advice, estate planning, or investments outside property-focused solutions, they may not be the best fit.

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Advantages of Choosing Stonehaven

There are good reasons why some people turn to Stonehaven:

• Specialist Knowledge: Deep understanding of the equity release market.
• Clear Focus: Tailored advice for later-life financial planning.
• Product Access: Partnership with leading later-life lending providers.
• Customer Support: Many clients report helpful, ongoing support and a simplified application process.

If your primary aim is to release property wealth or secure a retirement mortgage, a Stonehaven adviser might suit you.

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Things to Watch Out for

However, there are a few considerations you should bear in mind:

• Tied or Restricted Advice: Some advisers may only recommend Stonehaven or a small panel of products, rather than searching the whole market.
• Limited Investment Advice: They may not offer comprehensive planning across pensions, stocks, and savings.
• Costs and Fees: Always check if advice fees are fixed, percentage-based, or rolled into the loan.
• Potential Bias: Advisers affiliated with a provider might be more likely to suggest their own products, rather than comparing the full range of solutions.

If you want truly independent advice, it’s worth asking Stonehaven directly about their adviser status.

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Alternatives to Stonehaven Financial Advice

Before committing, consider a few alternative options:

• Independent Financial Advisers (IFAs): They offer access to a full range of products across the market, not just a select few.
• Chartered Financial Planners: Highly qualified professionals who can assist with more complex needs.
• Equity Release Council Members: Look for advisers who are members, as this adds extra protection and standards.
• Comparison Platforms: Services like Unbiased.co.uk and VouchedFor.co.uk can help you find top-rated independent advisers near you.

Exploring different options ensures you get the most tailored, impartial advice possible.

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How to Decide If Stonehaven is Right for You

Ask yourself these key questions before choosing Stonehaven:

• Is my main focus later-life property wealth management?
• Am I comfortable working with a specialist rather than a generalist?
• Have I compared advice and products across the whole market?
• Does the adviser have positive, verifiable customer reviews?
• Is the adviser FCA-authorised and regulated?

If your answer to most of these questions is "yes," Stonehaven could be a suitable match.

Otherwise, it may be worth seeking an independent adviser to explore a broader set of options.

Common Questions

Conclusion

Stonehaven’s reputation for specialising in later-life financial solutions makes them a strong contender if you're focused on equity release or retirement mortgages.

However, choosing any financial adviser is a major decision that should involve comparing services, understanding their scope, and making sure their advice is in your best interests.

If you are unsure, always get a second opinion. Good financial advice today can protect your wealth and well-being for years to come.