We believe that you should be able to relax about your money and focus on what is truly important to you. We also believe it's very important to have an advisor you can trust. Our Bedford-based team is committed to developing an on-going professional relationship tailored to your needs so we can meet your specific investment objectives.
Whether your aim is to support your children or grandchildren through school and university, to protect your wealth for your family’s benefit, or to maintain a lifestyle standard in retirement, Harpur Wealth Management can help you achieve it.
Our approach is to have a face-to-face meeting at a time and location convenient for you. Getting to know you better helps us design a bespoke investment portfolio and strategy that achieves your long-term financial goals and is flexible enough to cope with short-term needs.
Services that we offer include:
- Investment planning
Using institutional funds, we help optimise your investments; reviewing and reporting regularly with face to face meetings to ensure that we are still on track to meet your objectives.
- Share-dealing service
Our share dealing service means that we can advise and arrange transactions in relation to shares and debt instruments from a bespoke researched ‘buy and sell’ list provided by a reputable firm of Stockbrokers.
- Pension planning
We help select the right pension scheme for you, depending on your own situation and objectives. You may wish to invest in a particular asset class, or simply to maximise tax-free cash, and deliver the pension income you want.
- Retirement planning
Retirement can mean different things for different people. We work with you to create a plan to fund your retirement, designed to cater for your desired lifestyle.
- Estate planning
We can help you reduce your inheritance tax liability, through trusts and structured gifting programmes using many available allowances. Alternatively, we can look to cover a potential inheritance tax liability using a life policy in trust for your beneficiaries.
Having established a Plan A in terms of your investment objectives, you may wish to have a Plan B to protect you and your family against unforeseeable circumstances. We have access to the leading providers in the UK for such protection policies as life cover and critical illness cover.
- Tax and structural planning
We can help ensure that your financial affairs are managed in the most efficient way, in order to reduce your tax liability.
- Comprehensive financial planning
We record and confirm all the details of your financial life, including assets, liabilities, children, grandchildren, investments, other professional advisers and wills.
- Online, up-to-date valuations
You are able to access your portfolio online. The value of your holdings is updated on a daily basis, giving you a comprehensive, accurate view of all your finances.
Please note, the value of investments and income from them may go down. You may not get back the original amount invested.
Estate planning, taxation, inheritance tax and trusts are not regulated by the Financial Conduct Authority.
In order to make sure we continue to focus on what’s important to you, we will arrange a regular face-to-face review.