Business Details
30 Years
experience
Independent Financial Advisers in Clevedon
Established in 1996, Huw Watts Independent Financial Planning Independent Financial Planning has built a reputation as a trusted provider of independent financial advice in Clevedon, Somerset. Our practice combines over 25 years of industry experience with a client-centric approach, offering tailored solutions across mortgages, pensions, investments, and life assurance. As an FCA-authorised firm, we prioritise transparency, ensuring all recommendations are thoroughly explained with clear details of risks, costs, and potential benefits. Our independence allows unrestricted access to the entire market, enabling us to source optimal products from high street banks, building societies, and specialist providers. With a team of two advisers and four staff members, we maintain a personal service while delivering professional expertise. Our office's strategic location near the M5 motorway facilitates convenient access for clients across the South-West, including Bristol, Bath, Taunton, and Thornbury.We operate under rigorous regulatory standards, maintaining entries on the Financial Services Register and adhering to strict compliance protocols. Our fee structure is designed for clarity, with mortgage completion fees of 495 and investment charges starting at 3% (reducing for larger amounts). Client satisfaction is evidenced by long-standing relationships, with many customers having worked with us for over 20 years. We provide comprehensive support throughout the financial planning process, from initial consultations to ongoing portfolio management. Our commitment to excellence is demonstrated through our Financial Services Compensation Scheme coverage and adherence to the Financial Ombudsman Service dispute resolution framework.
Services
Mortgages
Pensions
Investments
Life Assurance
Financial Planning
Details
- Year established: 1996
Highlights and features
- We offer 28 years of independent financial advisory experience since 1996
- Our FCA authorisation ensures adherence to strict regulatory standards
- We provide market-wide mortgage comparisons without upfront fees
- Our investment charges reduce for larger portfolio amounts
- We maintain Financial Services Compensation Scheme protection for clients
Associations and certifications
- Financial Conduct Authority
What people say
Knowledgeable and reliable
Professional and supportive
Clear financial advice
Market-wide recommendations
Long-term trusted partnership
Services
Mortgage Advice
We provide independent mortgage advice covering residential purchases, re-mortgaging, buy-to-let, and retirement mortgages. Our FCA-regulated advisers compare products from all major lenders to find suitable deals. Clients benefit from our market-wide access and experience arranging mortgages since 1996.
Pension Planning
Our pension services include retirement contracts, annuities, and drawdown options. We select providers with strong investment performance and diverse fund choices. As independent advisers, we're not tied to any specific pension company, ensuring unbiased recommendations for clients' retirement needs.
Investment Management
We offer ISAs, unit trusts, and bonds across the independent sector. Our approach focuses on risk diversification through geographical and fund variety. Investment charges start at 3% of the portfolio value, with reduced rates for larger investments.
Life Assurance
Our life assurance services include term life cover, mortgage protection, critical illness cover, and income protection. We access major life companies to find suitable policies based on clients' age and health history. There are no upfront fees as we receive commission from providers.
People
Huw Watts
Founder & Financial Adviser
With over 30 years' experience, Huw established the practice in 1996 after teaching and working in financial services. He specialises in mortgage and retirement planning, combining technical expertise with clear communication.
Clare
Financial Adviser
Clare provides expert financial advice alongside Huw, supporting clients with mortgage and investment needs. She plays a key role in client meetings and transaction processing, maintaining the practice's high service standards.
Questions
What financial services do you offer?
We provide independent mortgage advice, pension planning, investment management, and life assurance solutions tailored to individual client needs.
Are your services available outside Clevedon?
Yes, we serve clients throughout the South-West including Bristol, Bath, Taunton, and Thornbury from our Clevedon base.
How are your fees structured?
Mortgage advice costs £495 on completion, while investment management starts at 3% of the portfolio value (reducing for larger amounts).
What qualifications do your advisers hold?
Our advisers maintain FCA authorisation and adhere to strict regulatory standards for financial services provision.
How do you ensure best value for clients?
As independent advisers, we research the entire market to source optimal products from all available providers without restrictions.
