Business Details
Your Trusted Financial Advisers in Christchurch
Heritage Investments is a Chartered firm of Financial Planners and Independent Financial Advisers dedicated to helping clients grow, protect, and enjoy their wealth. Our Chartered status reflects our commitment to rigorous professional standards set by the Chartered Insurance Institute, ensuring excellence in qualifications, ethics, and ongoing development. We specialise in six key areas: pensions, inheritance tax planning, investments, long-term care, tax mitigation, and equity release, offering tailored solutions to meet individual financial goals.Our process begins with understanding client needs through in-depth discovery, followed by strategic planning, implementation, and regular reviews to adapt to changing circumstances. We pride ourselves on building long-term trusted partnerships, providing transparent advice, and maintaining independence to access the entire financial market for optimal client outcomes.
Services
Pension Advice
Tax Mitigation Planning
Investment Advice
Inheritance Tax Planning
Long-term Care Planning
Equity Release Loans
Highlights and features
- We hold Chartered status from the Chartered Insurance Institute (CII), ensuring the highest professional standards.
- Our independent advice covers the entire financial market to find optimal solutions for clients.
- We offer a free initial consultation with transparent fee breakdowns.
- Our team includes Chartered and APFS-accredited financial planners with decades of combined experience.
- We maintain long-term client relationships through regular reviews and adaptive financial strategies.
Associations and certifications
- Chartered Insurance Institute (CII)
What people say
Personal interest in well-being
Consistent high-quality service
Confidence in financial decisions
Clear jargon-free advice
Services
Pension Advice
We provide comprehensive pension advice to help clients navigate complex retirement planning. Our experts assess current pension arrangements, recommend improvements, and develop strategies to ensure financial security during retirement. With changing regulations and multiple pension sources, our tailored guidance ensures clients maximise their retirement income while maintaining compliance with current legislation.
Tax Mitigation Planning
Our tax mitigation specialists help clients optimise their financial arrangements to reduce tax liabilities. We analyse individual circumstances to identify available allowances, implement tax-efficient investment strategies, and provide ongoing advice to adapt to changing tax regulations. This service ensures clients retain more of their wealth while maintaining full compliance with HMRC requirements.
Investment Advice
We offer personalised investment advice based on clients' financial goals and risk tolerance. Our advisers create diversified portfolios, monitor market conditions, and adjust strategies to meet long-term objectives. Whether clients have existing investments or are starting from scratch, we provide expert guidance to help grow and protect their assets through various market cycles.
Inheritance Tax Planning
Our inheritance tax planning service helps clients preserve wealth for future generations. We develop strategies to utilise available allowances, implement gifting strategies, and structure assets for tax efficiency. By addressing inheritance tax considerations early, we help clients ensure their wealth transfers smoothly to beneficiaries while minimising tax liabilities.
Equity Release Loans
We advise on equity release solutions for clients seeking to access property wealth during retirement. Our specialists explain available options, assess suitability, and help clients understand implications for inheritance and benefits. This service provides financial flexibility for retirement income, long-term care funding, or gifting while maintaining homeownership.
People
John Cooper
Joint Managing Director & Chartered Independent Adviser
With over 15 years of experience, John Cooper provides expert financial guidance to clients approaching retirement. He specialises in creating sustainable retirement plans and has helped numerous clients achieve financial security through tailored investment strategies.
Tom Parkinson
Chartered Independent Financial Planner
Tom Parkinson delivers comprehensive financial planning services with a focus on long-term client relationships. He provides annual reviews and timely advice to help clients navigate complex financial decisions and maintain portfolio performance.
Andrew Cook
Joint Managing Director & Chartered Independent Adviser
Andrew Cook combines extensive investment knowledge with a client-focused approach. He has maintained strong client relationships over two decades, consistently delivering high-quality service and helping clients achieve their long-term financial objectives.
Susan Barber
Independent Financial Adviser
Susan Barber offers expert financial advice with a focus on retirement planning and investment management. Her qualifications and experience ensure clients receive professional guidance tailored to their specific needs.
Steve Worboys
Independent Financial Adviser
Steve Worboys provides dedicated financial planning services, helping clients navigate complex investment decisions and retirement strategies. His approach combines technical expertise with clear communication to ensure client understanding.
Questions
What financial planning services do you offer?
We specialise in pensions, tax mitigation, investments, inheritance tax planning, long-term care, and equity release solutions.
Are you independent financial advisers?
Yes, we operate independently to access the entire financial market and find solutions tailored to your needs.
Do you provide free initial consultations?
Yes, we offer a free initial consultation with a transparent breakdown of fees for agreed services.
How do you maintain long-term client relationships?
We conduct regular reviews and adapt financial plans to ensure they evolve with your changing circumstances.
What qualifications do your advisers hold?
Our team includes Chartered, APFS, and FPFS-accredited financial planners with specialist industry certifications.
