Welcome To BlackBear Financial Group
Andrew Anderson DipPFS
Director & Independent Financial Adviser
For decades, we’ve helped local families and business owners make sense of their money - and feel more confident about their future.
We’re independent to our core. We're not part of a national chain or tied to any providers - we're a family-owned business directly authorised by the Financial Conduct Authority - so the service you get is always focused on what’s right for you.
Whether you're figuring out how and when you can afford to retire, considering an investment, dealing with an inheritance, or protecting your business - we're here to help you achieve those goals.
As a local firm with deep roots in the community, we offer something that’s becoming rare: honest, ongoing support from people who know your name, not just your account number.
Your first meeting with us is free and there's no obligation - just a genuine conversation about how we might be able to help. If you decide to go ahead with our advice and we arrange something for you, such as a new plan or a pension switch, an initial advice fee applies. We'll agree the fee and how it's paid with you in writing before any work starts. It can be taken from your investment, pension or transfer value, invoiced separately, or, if you make regular contributions to your plan, paid monthly through those contributions.
Who We Help
Not sure if you need financial advice?
We work with a wide range of people at different stages of life - from business owners, to retirees, to first-time investors.
What they all have in common is that they want straight-talking advice, not sales or a "corporate-feel".
Click on the buttons above to see how we might help in your situation.
Recognised by FT Adviser in 2025 and 2026
We’re an independent, directly authorised firm helping clients across Cheshire, Wirral, and Merseyside make confident financial decisions.
BlackBear Financial Group was included in FT Adviser's Top 50 Boutique Financial Advisers list in 2025 and again in 2026. We're proud that a small, family-owned, independent firm can stand alongside the best boutique practices in the UK. See the 2026 list on FT Adviser
Talk to a local adviser who knows your name - not just your account number.
Your Financial Planning Journey
We know that getting financial advice for the first time can feel intimidating, and you might not know what to expect. We keep your financial planning journey simple with a 4-step-process.
1
2
3
4
Meet
Pop in to the office for a free, no-obligation first meeting with one of our Independent Financial Advisers. We'll get to know you and your situation, and work out whether we can help. Fees only apply if you go ahead with our advice - see our fees.
Plan
If we can help you - we'll start formulating your financial plan. We'll review your strengths, weaknesses, opportunities and threats before making any recommendations.
Present
Once we have fleshed out your financial plan, we'll meet again to discuss our recommendation in depth. We'll tell you exactly what we're recommending, why we're recommending it, and what our fees are.
Implement
Once you're happy - and only when you're happy - we'll start implementing your plan. Once your plan is implemented you'll be receiving BlackBear's ongoing service.