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Average Personal Financial Advisor Salary in United Kingdom for 2026

A personal financial advisor in United Kingdom earns about 78,700 GBP a year. That's 13% above the national average of 69,700 GBP.

Pay ranges widely from country to country and from role to role. The lowest reported salaries in United Kingdom sit around 34,800 GBP a year, while the very top stretches to 127,700 GBP. Everything on this page is in British pound (GBP, symbol £), which lets you compare numbers like-for-like without worrying about exchange rates.

The numbers here are pulled together from official government wage data, large independent salary surveys, and aggregated worker-reported pay. Most reported salaries include the benefits that are common in United Kingdom, such as housing or transport allowances, which is worth keeping in mind if you're comparing against a country where those are usually paid on top.

To turn a gross salary in United Kingdom into a take-home figure, use our United Kingdom salary after tax calculator, which works the latest tax brackets and contributions through the math for you.

How much does a personal financial advisor make in United Kingdom?

Average salary
78,700 GBP
6,558 GBP per month
Lowest reported
34,800 GBP
2,900 GBP per month
Highest reported
127,700 GBP
10,641 GBP per month

A typical personal financial advisor working in United Kingdom brings home around 6,558 GBP a month before tax. Entry-level pay starts near 34,800 GBP, and the top of the ladder reaches roughly 127,700 GBP for the most experienced and specialised people in the role.

The wide gap between low end and top end reflects how much pay can vary inside the same job title. A junior personal financial advisor working at a small local employer earns very different money from a senior at a multinational. Skills, employer, city and years in the seat all push the number around. For a cross-country comparison, see the personal financial advisor salary in Guernsey or Jersey, both of which pay in the same currency.

How personal financial advisor pay ranges in United Kingdom

A good way to think about salary in United Kingdom is to look at the distribution rather than the headline average. Half of all personal financial advisors in United Kingdom earn less than 87,300 GBP a year, and the other half earn more. That middle number is the median, and it is usually more useful than the average for answering "is my pay normal here".

Looking at the quartiles fills in the picture. A quarter of earners take home less than 55,700 GBP (the 25th percentile), and a quarter clear 114,900 GBP (the 75th percentile). The middle 50% of personal financial advisors sit somewhere inside that band, which is where the typical reader of this page probably lives.

The very lowest reported salaries sit around 34,800 GBP. The highest stretch to 127,700 GBP, though only a small fraction of earners ever reach that level. If you are deciding whether your own offer or current pay is reasonable, work out which of those four bands you would fall into and use that as your reference point.

34,800
Low
87,300
Median
127,700
High
55,700
25th
114,900
75th
The middle 50% sit between the 25th and 75th percentile Tails are the lowest and highest reported All figures in GBP

Personal financial advisor pay by experience in United Kingdom

Years of experience is the single biggest lever on pay for a personal financial advisor in United Kingdom, ahead of education and almost any other single factor. The longer you have been in the role, the more your employer can trust you to handle complexity, mentor others and act independently, all of which command higher pay. The chart below shows how the typical personal financial advisor salary changes as you move through the career ladder.

  • 0-2 Years
    40,700 GBP
  • 2-5 Years
    +33% from previous
    54,200 GBP
  • 5-10 Years
    +47% from previous
    79,600 GBP
  • 10-15 Years
    +26% from previous
    100,500 GBP
  • 15-20 Years
    +8% from previous
    109,000 GBP
  • 20+ Years
    +6% from previous
    115,600 GBP

The single largest jump on the ladder is from 2 - 5 Years to 5 - 10 Years, where pay rises by about 47%. That is the point at which a personal financial advisor typically goes from "competent in the role" to "the person other people in the team learn from", and the market pays well for that step.

Personal financial advisor pay by education in United Kingdom

Education sits alongside experience as one of the biggest factors driving personal financial advisor pay in United Kingdom. Higher qualifications consistently pull higher salaries, but the size of the gap tends to be smallest at junior levels and widens as people move up. Two people in the same role with the same years of experience but different degrees can end up earning very different money once they reach mid-career.

Below is the average personal financial advisor salary in United Kingdom broken down by the highest level of education a worker has completed.

  • High School
    52,300 GBP
  • Certificate or Diploma
    +12% from previous
    58,800 GBP
  • Bachelor's Degree
    +48% from previous
    87,000 GBP
  • Master's Degree
    +32% from previous
    114,600 GBP

Personal financial advisor gender pay gap in United Kingdom

The gender pay gap is a stubborn feature of almost every labour market, and United Kingdom is no exception. Male personal financial advisors in United Kingdom earn an average of 79,500 GBP a year, while female personal financial advisors earn around 76,900 GBP. That works out to a 3% gap in favour of men, even when comparing people doing the same work.

A pay gap of this size has a real long-term cost. Over a typical thirty-year career it can add up to several years of pay, and it compounds through pensions, retirement contributions and bonus-linked stock. Some of the gap is explained by women being more likely to work part-time, take career breaks, or be steered toward lower-paying specialisations. Some of it is straightforward unequal pay for the same job, which is harder to defend.

Personal Financial Advisor gender pay gap

3%

Men earn this much more than women on average in United Kingdom.

Men 79,500 GBP
Women 76,900 GBP

Pay raises for a personal financial advisor in United Kingdom

Most countries hand out at least some kind of pay raise every year, typically when an employee's contract is reviewed or as a cost-of-living adjustment to keep wages roughly in step with inflation. The rhythm and size of those raises varies hugely between industries.

A typical worker doing this role in United Kingdom sees a raise of about 12% every 15 months, which works out to roughly 10% on an annual basis. That figure is the typical underlying rate; in years where inflation runs high you can usually expect a bit more, and in flat-economy years a bit less.

Across all jobs in United Kingdom, the national average raise is around 9% every 15 months.

By industry

Industries with the highest pay raises in United Kingdom:

  • Banking
  • Energy
  • Information Technology
  • Healthcare
  • Travel
  • Construction
  • Education

By experience level

Experienced workers tend to see larger raises. Retaining a senior is cheaper than replacing them, so employers fight harder for them.

  • Junior Level
    3% - 5%
  • Mid-Career
  • Senior Level
  • Top Management

Personal financial advisor bonus rates in United Kingdom

Bonuses are the other half of total compensation, and they vary a lot between jobs and industries. Some roles are paid almost entirely in base salary; others lean heavily on bonus structures tied to revenue, project completion or company performance. Whether a job pays a bonus, how big it is, and how often it lands all factor into whether the headline salary is actually a good offer.

86%

86% of personal financial advisors in United Kingdom reported a bonus of some kind in the past twelve months. That makes a personal financial advisor a high-bonus role overall, which is useful context when you're weighing up a job offer where the base is below market.

Among those who did receive a bonus, the size of the payment varied substantially. Reported bonuses ranged from 5% to 9% of base salary. The remaining 14% of personal financial advisors reported no bonus at all over the same period.

Which careers pay bonuses in United Kingdom

Revenue-facing roles tend to pay the biggest bonuses. Operational and support roles tend toward smaller, more predictable ones.

  • Finance
  • Architecture
  • Sales
  • Business Development
  • Marketing / Advertising
  • Information Technology
  • Healthcare
  • Insurance
  • Customer Service
  • Human Resources
  • Construction
  • Transport
  • Hospitality

Personal financial advisor: public vs private sector pay

Public-sector pay in United Kingdom is about 7% more than private-sector pay for similar work. The private sector typically offers stronger upside and bigger bonuses; the public sector typically offers better benefits and stability.

Public vs private pay gap

6%

Public-sector workers earn this much more than private-sector workers in United Kingdom on average.

Public sector 72,700 GBP
Private sector 68,200 GBP

Personal financial advisor salary by city and region in United Kingdom

Personal financial advisor pay is not even across United Kingdom. The chart below shows the highest-paying cities and regions in the dataset, followed by the full location table.

  • England
  • Scotland
  • Birmingham
  • London
  • Liverpool
  • Glasgow
  • Nottingham
  • Manchester
  • Bradford
  • Edinburgh
LocationTypeAverageMedianRange
EnglandRegion146,900 GBP158,700 GBP69,400-233,800 GBP
ScotlandRegion107,700 GBP116,400 GBP49,300-169,700 GBP
BirminghamCity91,900 GBP99,100 GBP41,400-142,300 GBP
LondonCity90,600 GBP97,200 GBP41,900-142,100 GBP
LiverpoolCity90,600 GBP97,200 GBP41,900-142,100 GBP
GlasgowCity87,700 GBP94,800 GBP38,000-139,100 GBP
NottinghamCity86,800 GBP93,100 GBP39,800-137,100 GBP
ManchesterCity86,400 GBP92,100 GBP39,800-134,700 GBP
BradfordCity86,100 GBP93,100 GBP40,500-134,100 GBP
EdinburghCity85,500 GBP92,100 GBP40,000-138,700 GBP
CoventryCity85,500 GBP92,300 GBP38,000-132,000 GBP
SheffieldCity85,400 GBP92,900 GBP39,600-134,700 GBP
LeedsCity84,600 GBP94,100 GBP40,900-137,100 GBP
Kingston upon HullCity83,800 GBP87,400 GBP36,200-130,500 GBP
CardiffCity83,300 GBP87,800 GBP36,200-130,500 GBP
BristolCity83,100 GBP93,100 GBP40,500-134,100 GBP
BelfastCity81,200 GBP86,800 GBP35,000-127,700 GBP
SomersetCity81,000 GBP88,600 GBP36,800-127,600 GBP
NewcastleCity80,800 GBP87,500 GBP36,800-128,200 GBP
DundeeCity80,200 GBP83,300 GBP35,600-123,800 GBP
BrightonCity80,000 GBP88,600 GBP36,700-127,600 GBP
SwanseaCity79,600 GBP89,300 GBP38,100-128,400 GBP
PeterboroughCity79,600 GBP83,800 GBP35,300-125,400 GBP
LeicesterCity79,500 GBP85,800 GBP35,600-130,500 GBP
WolverhamptonCity78,700 GBP87,300 GBP34,800-127,700 GBP
DerbyCity78,700 GBP86,600 GBP35,200-128,200 GBP
SouthamptonCity78,200 GBP83,000 GBP36,000-124,500 GBP
OxfordCity77,100 GBP83,700 GBP35,600-123,800 GBP
PlymouthCity77,000 GBP84,800 GBP36,400-123,800 GBP
YorkCity77,000 GBP82,300 GBP33,000-119,700 GBP
GloucesterCity75,900 GBP83,400 GBP34,300-123,000 GBP
ArmaghCity74,300 GBP83,300 GBP34,700-121,800 GBP
PooleCity74,100 GBP77,000 GBP35,500-114,300 GBP
NewryCity74,100 GBP80,800 GBP34,000-117,100 GBP
WalesRegion73,800 GBP81,000 GBP33,600-118,900 GBP
PortsmouthCity73,700 GBP80,400 GBP34,000-118,900 GBP
AberdeenCity73,300 GBP81,000 GBP33,000-118,900 GBP
NewportCity73,300 GBP78,500 GBP34,000-115,600 GBP
HartlepoolCity73,100 GBP79,000 GBP35,400-115,600 GBP
ChesterCity72,700 GBP79,600 GBP33,000-115,600 GBP
LisburnCity71,700 GBP81,200 GBP34,000-115,600 GBP
CambridgeCity71,600 GBP75,800 GBP33,600-114,600 GBP
ExeterCity70,700 GBP75,800 GBP32,200-114,900 GBP
Northern IrelandRegion70,100 GBP71,900 GBP32,200-109,700 GBP
NorwichCity69,800 GBP76,900 GBP32,200-114,900 GBP
LincolnCity69,800 GBP76,900 GBP32,200-114,900 GBP
WinchesterCity69,600 GBP74,300 GBP30,700-112,700 GBP
SalisburyCity69,200 GBP75,100 GBP32,300-114,600 GBP
WellsCity69,100 GBP72,400 GBP31,800-109,700 GBP
StirlingCity68,900 GBP73,100 GBP30,600-109,700 GBP
DurhamCity68,400 GBP73,700 GBP32,200-108,200 GBP
RiponCity68,300 GBP77,400 GBP30,300-111,700 GBP
DerryCity68,200 GBP77,000 GBP31,700-111,700 GBP
TruroCity67,600 GBP69,200 GBP30,800-105,800 GBP
BangorCity67,300 GBP71,400 GBP29,600-109,000 GBP
StrontianCity66,700 GBP71,600 GBP29,600-105,800 GBP
StromnessCity66,100 GBP71,700 GBP30,200-109,000 GBP
InvernessCity66,100 GBP71,700 GBP30,200-109,000 GBP
AbingdonCity65,900 GBP70,600 GBP29,100-107,300 GBP
WakefieldCity65,700 GBP72,000 GBP32,900-107,700 GBP
CanterburyCity65,100 GBP72,400 GBP28,900-105,200 GBP
KirkwallCity64,600 GBP71,200 GBP29,200-102,700 GBP
St DavidsCity63,900 GBP67,300 GBP27,700-98,300 GBP

Personal Financial Advisor in United Kingdom: FAQs

  • How much does a personal financial advisor make per month in United Kingdom?

    A personal financial advisor in United Kingdom earns about 6,558 GBP a month before tax, based on an annual average of 78,700 GBP.

  • What's the salary range for a personal financial advisor in United Kingdom?

    Entry-level personal financial advisors in United Kingdom start near 34,800 GBP. Top-end pay reaches around 127,700 GBP. The middle 50% of earners sit between 55,700 and 114,900 GBP.

  • Is the median personal financial advisor salary in United Kingdom higher or lower than the average?

    The median is 87,300 GBP, higher than the average of 78,700 GBP. Half of personal financial advisors in United Kingdom earn below the median, half earn above it.

  • What's the gender pay gap for personal financial advisors in United Kingdom?

    Men working as a personal financial advisor in United Kingdom earn around 3% more than women on average (79,500 vs 76,900 GBP a year).

  • Do personal financial advisors in United Kingdom get bonuses?

    About 86% of personal financial advisors in United Kingdom reported a bonus in the past 12 months. Reported bonuses ranged from 5% to 9% of base salary.

  • Do personal financial advisors earn more in the public or private sector in United Kingdom?

    In United Kingdom, the public sector pays a personal financial advisor about 7% more on average. Public-sector pay tends to be steadier; private-sector pay tends to offer bigger upside.

  • How often do personal financial advisors in United Kingdom get a pay raise?

    A personal financial advisor in United Kingdom sees a raise of around 12% every 15 months, equivalent to roughly 10% a year.