Business Details
Expert Financial Advisers in Padiham, Lancashire
Haworths Financial Services has built a reputation for delivering tailored, jargon-free financial advice with a strong emphasis on personal service. Our team of qualified professionals specialises in wealth management, pension planning, protection strategies, and tax-efficient investments, serving clients in Padiham and surrounding areas. With decades of combined experience, we prioritise client retention through transparent communication, regular portfolio reviews, and adaptive strategies that respond to legislative and market changes.Our commitment to excellence is demonstrated through our partnerships with leading financial institutions and our adherence to FCA regulations. We focus on understanding individual client needs to provide clear, actionable advice that safeguards assets and supports long-term financial goals. Our client-centric approach combines technical expertise with a deep understanding of personal circumstances, ensuring solutions that align with both immediate needs and future aspirations.
Services
Financial Planning
Pension Advice
Wealth Management
Tax Planning
Life Assurance
Mortgage Solutions
Investment Strategies
Protection Plans
Inheritance Tax Planning
Retirement Planning
Highlights and features
- Over 20 years of experience in personal and business financial planning
- FCA-regulated services ensuring compliance and client protection
- Personalised approach with regular portfolio reviews and updates
- Comprehensive range of services covering all financial planning needs
- Proven track record of client retention through transparent advice
Associations and certifications
- Financial Conduct Authority
What people say
Excellent financial guidance
Smooth and faultless experience
High standard of service
Professionally researched advice
Complete confidence in abilities
Services
Financial Planning
Our financial planning service creates tailored roadmaps to achieve your life goals through strategic asset allocation and risk management. We assess your current financial position, future aspirations, and risk tolerance to develop comprehensive plans that cover retirement, education funding, and wealth preservation. With regular reviews and adjustments, we ensure your plan evolves alongside changing market conditions and personal circumstances.
Pension Advice
Specialist pension advice covering all aspects of retirement planning, including state pension optimisation, workplace scheme management, and self-invested personal pensions. Our FCA-authorised advisers help maximise retirement income while minimising tax liabilities through strategic fund selection and phased withdrawal planning tailored to individual needs.
Wealth Management
Comprehensive wealth management solutions focusing on capital preservation and growth through diversified investment portfolios. We employ risk-managed strategies using collective investments, equities, and fixed-interest instruments to build resilient portfolios aligned with your financial objectives and risk profile, with ongoing performance monitoring and rebalancing.
Tax Planning
Strategic tax planning services designed to minimise liabilities across income tax, capital gains tax, and inheritance tax. We utilise tax-efficient wrappers like ISAs and offshore bonds, while ensuring compliance with current legislation through legitimate reliefs and allowances tailored to your specific circumstances.
Life Assurance
Customised life assurance and protection solutions safeguarding your family's financial future against unforeseen events. We offer term life cover, critical illness protection, and income replacement policies, carefully matched to your personal circumstances and financial commitments to provide appropriate security at competitive rates.
People
John McGregor
Director & Financial Planner
With over 20 years' experience, John specialises in business financial planning and portfolio management. He provides strategic advice to entrepreneurs and professionals, focusing on tax-efficient wealth preservation and succession planning.
Diane Broadhead
Director & Chartered Financial Planner
Diane offers expert guidance on retirement planning and complex financial arrangements. Her chartered status reflects advanced expertise in creating comprehensive strategies that align with clients' long-term objectives.
Paula Hallett
Financial Planner & Pension Transfer Specialist
Paula specialises in pension transfers and retirement income planning. With deep expertise in workplace pension schemes, she helps clients consolidate and optimise their retirement savings through tailored solutions.
Stuart Walker
Director & Financial Planner
Stuart provides strategic financial advice to individuals and businesses, focusing on investment management and tax planning. His approach combines technical knowledge with practical solutions for wealth accumulation.
Ben Jones
Financial Planner
Ben supports clients with investment planning and protection strategies. He focuses on creating balanced portfolios that align with clients' risk profiles and financial goals while ensuring adequate risk coverage.
Questions
What financial services do you specialise in?
We specialise in financial planning, pensions, wealth management, tax planning, life assurance, mortgages, and investment strategies tailored to individual needs.
Are you regulated by the Financial Conduct Authority?
Yes, we operate as an Appointed Representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority.
How do you approach client financial planning?
We begin with a comprehensive assessment of your current situation, then develop customised plans with regular reviews to adapt to changing circumstances.
Do you offer pension transfer advice?
Yes, our qualified team provides specialist pension transfer advice, including SIPP and SSAS arrangements, with appropriate regulatory permissions.
What areas do you cover?
While based in Padiham, Lancashire, we serve clients throughout the UK with both in-person and remote advisory services.
