Working with you to achieve your financial freedom.
We aim to simplify the financial challenges you face, by creating and protecting your wealth for you and your loved ones.
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Working with you to achieve your financial freedom.
Working with you to achieve your financial freedom.
With offices in North Wales, Liverpool and Manchester, we serve clients across the North West.
We are a family run business of Independent Financial Advisers, that specialises in providing trusted advice from navigating retirement and optimising your income, through to buying your first home.
Our Process
Your Current Circumstances
We will have an initial meeting to get to know you and your circumstances. This initial consultation would be at our cost.
Your Goals And Objectives
We will then agree your goals and objectives – finding out exactly what your goals and dreams are.
Work To Make Your Goals A Reality
We will then invest your money and using cashflow modelling software, we will work with you to achieve your objectives.
Independent Financial Advisers In the North West.
Heritage’s origins are a combination of two businesses, and we have been operating for almost 30 years as Independent Financial Advisers.
As we are a small, family run business, we can apply a personal touch, unlike large corporate firms in which you will be treated as a number and passed from adviser to adviser. We are very proud that many of our clients have been with us for generations.
Why Choose Us?
Independent
Expert Advice
Evidence Based Investing
Family Run Business
Our Customer Reviews
You will always be treated as a person and not a number, with many of our clients having been with us for decades. Take a look at our customer reviews, or if you want you can leave us one you can click on the button below.
Our News and Insights
The 3 biggest mistakes of pension drawdown
Is the state pension enough to live on?
What will a million-pound pension get me?
Frequently Asked Questions
At Heritage Financial Planning, we’re here to make it as easy as possible for you to make the right decision. Here’s a few common questions we get asked…
What does an Independent Financial Adviser Do?
Traditionally financial advisers simply invested your money and leave you to it. At Heritage, before even investing your money, we will clarify your goals and objectives and create a financial plan on how you can achieve these goals. Once the plan is created, we will invest your money to achieve these goals. We will invest your money as tax efficiently as possible, making use of your pension and ISA allowances.
Using cashflow modelling, at least annually we will review your plan and investments to ensure you are on track to meet these goals.
When do I need an Independent Financial Adviser?
This is not set in stone, but we usually find clients contact us at certain ‘life events’. This can include at the point of retiring, in the build up to retirement and after receiving an inheritance.
Our youngest client is in their 20’s and our oldest is in their 90’s!
If you think you need some Independent Financial Advice, please get in touch to see how we can help over a friendly, no obligation chat.
Aren’t financial advisers only for the wealthy and the rich?
Not necessarily enough. We have clients in all shapes of sizes from business owners, professionals and ‘millionaire next door’s’ who have saved diligently over many years and are looking for honest and trusted stewardship of their hard earned money.
Are you independent and what does this mean?
We are proud to be independent.
This means that when we come up with a recommendation for our clients, we are not restricted to any investment or fund manager. In theory we can select from the whole universe of available funds and platforms etc.
We have no such conflicts and ‘eat our own cooking’, by investing in the same investment strategies and funds as our clients.
Many advisers are ‘restricted’, meaning they can only recommend their in-house solutions.
What qualifications do you have?
All of our advisers are qualified to diploma level and have many years of experience. Alex holds the distinction of having completed the Chartered Wealth Manager qualification and is a Chartered Member of the Chartered Institute for Securities and Investments.
He also has a Law and Business degree from the University of Liverpool and the CFA’s Investment Management Certificate.
George is a Chartered Financial Planner through the Chartered Insurance Institute and is a graduate of the University of Leeds.
