Verified Adviser

Our Methodology

A Better Way to Understand Adviser Performance

Choosing an adviser is an important decision.

Whether you're arranging a mortgage, planning for retirement, protecting your family or preparing a Will, most people want to know one thing before they begin:

Can I trust this person to look after my interests and provide a good experience?

Traditionally, consumers have relied on recommendations from friends, online reviews or directory websites. Whilst these can be useful, they often provide limited context and can make it difficult to compare advisers consistently.

Verified Adviser was created to provide a more structured and transparent way of understanding adviser performance through real client feedback.

Our methodology focuses on the client experience and uses a consistent survey process across all advisers on the platform.

How Verified Adviser Works

Following a completed client transaction or service interaction, clients are invited to complete a short survey about their experience.

The survey is administered independently through Verified Adviser and uses a structured framework designed to assess key aspects of the advice journey.

Responses are collected, analysed and used to generate adviser ratings and performance insights.

This creates a consistent and measurable approach to feedback that allows advisers to be compared fairly and transparently.

What Makes Our Approach Different?

Many online review platforms rely on unstructured comments and star ratings.

Verified Adviser uses a structured methodology that asks every client the same questions.

Rather than measuring popularity, our surveys are designed to assess the quality of the client experience.

This provides a more meaningful and comparable view of adviser performance.

Our methodology is built on four principles:

Consistency

Every adviser is assessed using the same core questions and scoring framework.

Transparency

Our methodology is publicly available and clearly explained.

Independence

Survey responses are collected through Verified Adviser and processed using a standardised approach.

Client Experience

Ratings focus on how clients experience advice and service, rather than product or investment outcomes.

Consumer Duty Outcomes

For regulated mortgage, protection and investment advice, our surveys are aligned to the four Consumer Duty outcomes introduced by the Financial Conduct Authority (FCA).

These outcomes are designed to help firms deliver good outcomes for retail clients and provide a useful framework for understanding the client experience.

Products and Services

This outcome looks at whether the advice and recommendations provided are appropriate for the client's circumstances and needs.

Clients are asked whether:

  • Their situation was properly understood
  • Recommendations felt relevant to their circumstances
  • The advice appeared suitable for their needs

A strong score in this area may indicate that clients feel the adviser takes time to understand their objectives before making recommendations.

Price and Value

This outcome considers whether costs, charges and fees have been explained clearly and whether clients feel they have received appropriate value from the service provided.

Clients are asked whether:

  • Costs and charges were explained clearly
  • They understood what they were paying for
  • They felt the service represented fair value

This outcome focuses on transparency rather than affordability.

Consumer Understanding

This outcome assesses how effectively advisers communicate with clients throughout the advice process.

Clients are asked whether:

  • Information was explained clearly
  • They understood the recommendations being made
  • They felt able to make informed decisions

Strong performance in this area often reflects clear communication and an ability to explain complex topics in an understandable way.

Consumer Support

This outcome measures how supported clients felt throughout their journey.

Clients are asked whether:

  • Their adviser was responsive
  • Questions were answered promptly
  • They felt supported during the process

Strong performance here may indicate a positive service experience and effective client support.

How Ratings Are Calculated

Each survey contains a series of scored questions.

For regulated advice:

  • Eight questions contribute to the overall score
  • Each question is scored on a scale from 1 to 10
  • All questions are equally weighted
  • Scores are averaged to generate an overall rating

Ratings are rounded to one decimal place and displayed as a score out of 10.

Alongside the overall rating, advisers may also display scores across each Consumer Duty outcome category.

Example — Overall Rating

8.7 / 10

Averaged across eight equally-weighted questions, each scored 1–10.

What Ratings Include

Verified Adviser ratings are based on:

  • Structured client surveys
  • Real client experiences
  • Consistent scoring methodology
  • Independently collected feedback

Ratings provide insight into:

  • Communication
  • Support
  • Client understanding
  • Service experience

What Ratings Do Not Include

Verified Adviser ratings do not:

  • Measure investment performance
  • Measure mortgage rates obtained
  • Predict future outcomes
  • Guarantee results
  • Constitute personal recommendations
  • Replace individual due diligence

A high rating should be considered as one factor when choosing an adviser, alongside qualifications, experience, service offering and personal preference.

Client Comments

Clients may choose to provide written comments about their experience.

These comments:

  • Are optional
  • Do not affect ratings
  • Are moderated before publication
  • Must not contain personal or sensitive information

Comments are displayed to provide additional context and insight into the client experience.

Continuous Improvement

Verified Adviser is not just a review platform.

The feedback collected helps advisers, firms and supervisory organisations identify strengths, monitor service quality and continuously improve client outcomes.

By using a consistent methodology, we aim to raise standards, improve transparency and help consumers make more informed decisions when choosing professional advisers.

Why This Matters

Choosing professional advice often involves significant financial and personal decisions.

Our goal is simple:

To help consumers make more informed choices by providing a transparent, structured and consistent view of adviser performance based on real client experience.