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# Loyal North Plc

## Sitemaps
[XML Sitemap](https://loyal-north.co.uk/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Preparing your firm for sale: what buyers look for in due diligence.](https://loyal-north.co.uk/insights/preparing-your-ifa-firm-for-sale/): Due diligence tests what your records can support. What buyers examine when they acquire an advice firm, and an eighteen-month runway for getting ready.
- [Choosing a buyer for your IFA firm: consolidators, PE and long-term owners compared.](https://loyal-north.co.uk/insights/choosing-a-buyer-for-your-ifa-firm/): Two offers at the same price from different buyers aren’t the same offer. How the main types of buyer for UK advice firms differ, and ten questions to ask any of them.
- [FCA change in control: the regulatory process when you sell.](https://loyal-north.co.uk/insights/fca-change-in-control/): Selling an FCA-authorised firm requires the regulator’s approval before completion. How the section 178 process works in practice, and why most of the delay it causes is avoidable.
- [What happens to your clients when you sell your IFA firm.](https://loyal-north.co.uk/insights/what-happens-to-your-clients-ifa-sale/): In a well-run sale, very little changes for clients on day one. What actually happens over the following years depends on the buyer you chose and the plan you agreed before completion.
- [Upfront payments, earn-outs and clawbacks: how IFA deal structures work.](https://loyal-north.co.uk/insights/ifa-sale-deal-structures/): How the price of an advice firm is actually paid: upfront and deferred consideration, earn-outs, clawbacks, and the questions a seller should ask before agreeing a structure.
- [What is an IFA business worth? How valuation actually works.](https://loyal-north.co.uk/insights/what-is-an-ifa-business-worth/): How UK advice firms are actually priced: recurring-revenue and EBITDA multiples, what the market has been paying, and the quality factors that move an individual firm up or down the range.
- [Selling your financial planning business: the questions principals should ask before they start](https://loyal-north.co.uk/insights/selling-your-financial-planning-business/): What to work out before you speak to a single buyer: what you want, what your firm is worth, what you won’t trade, and the deal shape that follows.
- [How selling an IFA practice works: a step-by-step guide](https://loyal-north.co.uk/insights/how-to-sell-an-ifa-practice/): Selling an IFA practice usually takes 6 to 12 months and runs through six stages. A step-by-step guide to each one, and to the handover that decides whether it was a good deal.
- [Patrick Goulding joins Loyal North as Group Managing Director.](https://loyal-north.co.uk/insights/patrick-goulding-joins-loyal-north-as-group-managing-director/): Loyal North has appointed Patrick Goulding as Group Managing Director, strengthening its executive team as it accelerates its buy-and-build programme.
- [Fusion MPS achieves Defaqto 5-Star rating for 2026.](https://loyal-north.co.uk/insights/fusion-mps-achieves-defaqto-5-star-rating-for-2026/): Fusion Asset Management’s full managed portfolio service has been awarded the Defaqto 5-Star rating for 2026, with the flagship Optima range carrying the highest 5 Diamond rating.
- [GPFM Financial Planners named #1 in the FT Adviser Top 50 Boutique Financial Advisers 2025.](https://loyal-north.co.uk/insights/gpfm-financial-planners-named-1-in-the-ft-adviser-top-50-boutique-financial-advisers-2025/): GPFM Financial Planners, the Hertford-based chartered firm that joined Loyal North in 2021, has been named the UK’s leading boutique financial adviser in the FT Adviser Top 50 2025.
- [Loyal North Group: Leadership Meetup](https://loyal-north.co.uk/insights/loyal-north-leadership-meetup/): Strategic minds, shared vision, and future-focused planning.
- [Professional Adviser: Loyal North snaps up client books of two retiring advisers](https://loyal-north.co.uk/insights/loyal-north-acquires-blue-house-lewins-investments/): Loyal North is pleased to announce the acquisition of two respected financial advisory firms: Blue House Financial Services and Lewins Investments, adding £80 million in assets under advice. The acquisitions mark Loyal North's 17th and 18th purchase since its inception in 2017, bringing its total assets under advice to £1.9 billion, close to its £2 billion target.
- [Citywire: Loyal North adds £60m with Surrey IFA deal](https://loyal-north.co.uk/insights/loyal-north-acquires-whitman-fry-wealth-management-surrey/): Loyal North has bolstered its portfolio by acquiring Surrey-based Whitman Fry Wealth Management, adding £60 million in assets under advice. The acquisition marks Loyal North's 14th purchase since its inception in 2017, bringing its total assets under advice to £1.9 billion, close to its £2 billion target.
- [IFA group Loyal North hires finance director in growth push](https://loyal-north.co.uk/insights/loyal-north-appoints-kuan-ang-finance-director/): Loyal North has appointed Kuan Ang as its new group finance director to support its ambitious growth strategy. With a strong background in finance, including senior roles at Ernst & Young, Deloitte, and Landmark Mortgages, Ang will oversee the development of Loyal North’s management framework and lead its finance strategy.
- [Citywire: Loyal North adds £60m with Scottish IFA deal](https://loyal-north.co.uk/insights/loyal-north-acquires-sovereign-financial-services-scotland/): Loyal North has expanded its Scottish hub, Lowland Financial Planning, by acquiring Sovereign Financial Services. This marks the advice group’s third acquisition this year, adding £60 million in assets under advice and bringing Lowland's total to £110 million.
- [Citywire: Advice group Loyal North boosts assets by £40m with Norfolk deal](https://loyal-north.co.uk/insights/loyal-north-acquires-quay-financial-planning-norfolk/): Loyal North has expanded its asset base by acquiring Norfolk-based IFA Quay Financial Planning, bringing an additional £40 million under management.

## Pages
- [Contact](https://loyal-north.co.uk/contact/): Contact Loyal North. A single routed enquiry form covering IFA principals considering succession or partnership, Private Office enquiries, partnership opportunities, career enquiries and media enquiries, directed to the right team.
- [Insights](https://loyal-north.co.uk/insights/): Writing and updates from Loyal North: practical guidance for principals on valuing, preparing and selling a financial planning business, alongside group acquisition announcements, senior appointments, regulatory developments and press coverage of the UK wealth market.
- [Legal Notice](https://loyal-north.co.uk/legal-notice/): Terms governing use of the loyal-north.co.uk website: company information for Loyal North Plc, registered in England and Wales under company number 09124855, confirmation that website materials do not constitute financial advice, and terms covering website use, security and external links.
- [For IFA Principals](https://loyal-north.co.uk/for-ifa-principals/): A proposition for principals of established UK financial planning firms considering succession, partial capitalisation or long-term partnership: what stays the same after a sale, what changes, the resources a national platform brings, and how to start a confidential conversation.
- [Investment Management](https://loyal-north.co.uk/investment-management/): Discretionary investment management delivered in affiliation with Fusion Asset Management, an FCA-regulated investment manager established in 2004: five portfolio ranges available across the major adviser platforms, built on institutional foundations in credit relative value, multi-asset volatility, tail-risk strategies and currency overlays.
- [Financial Planning](https://loyal-north.co.uk/financial-planning/): How the Loyal North financial planning business works: long-established regional firms, each directly authorised by the FCA, acquired for the long term and keeping their name, team and identity, with central compliance, technology and institutional-level investment management capability behind them.
- [Home](https://loyal-north.co.uk/): Loyal North is a UK national wealth platform established in 2014 within Fusion Group: regional financial planning firms operating under their own brands, an all-in-one advice and investment platform, and access to discretionary investment management, together managing approximately £2 billion in client assets.
- [Privacy Policy](https://loyal-north.co.uk/privacy-policy/): How Loyal North Plc collects, uses, shares and retains personal information submitted through this website, how long it is held, the cookies used, and the rights individuals have over their data. Applies to the website only; group advisory firms issue their own privacy notices.
- [Digital Platform](https://loyal-north.co.uk/digital-platform/): JustFA, the Loyal North all-in-one advice and investment platform: onboarding, fact-find, risk profiling, cashflow planning, recommendations, investment platform, ongoing reviews, client portal and mobile app in a single system, offered to group advisory firms and to the wider UK adviser market on similar terms.
- [About](https://loyal-north.co.uk/about/): Who Loyal North is and how the group is structured: roots going back to 2004 with Fusion Asset Management, a holding company for FCA-authorised regional advisory hubs that keep their own brands and client relationships, and the central compliance, technology, investment and operational support behind them.
- [What We Do](https://loyal-north.co.uk/what-we-do/): Three Loyal North businesses and how they fit together: financial planning through established regional advisory firms, JustFA as an end-to-end advice and investment platform, and discretionary investment management. Each built to stand alone, and each serving clients, advisers and IFA firms across the UK.