Business Details
26 Years
experience
Your Trusted Partner for Financial Planning Solutions
Established in 2000, Hearnden Associates is a Chartered Financial Planning firm dedicated to delivering independent, client-centric financial solutions. Our team of qualified professionals combines technical expertise with a commitment to ongoing client support, ensuring tailored advice across investments, retirement planning, mortgages, and protection. As a Chartered Financial Planner accredited by the Chartered Insurance Institute, we uphold the highest standards of professional competence and ethical practice. Our fee-based model prioritises transparency, with charges agreed upfront and flexible payment options.With a focus on holistic financial planning, we serve clients nationwide through face-to-face meetings, remote consultations, and a robust compliance framework. Our investment processes, including ESG-focused portfolios, reflect decades of market experience and a dedication to innovation. Backed by the Financial Conduct Authority (FCA) regulation and a client-first ethos, we aim to build long-term relationships grounded in trust and measurable outcomes.
Services
Investment Planning
Retirement Advice
Mortgage Services
Financial Protection
Wills and LPA
Tax Planning
Business Financial Planning
Equity Release
Details
- Year established: 2000
Highlights and features
- Chartered Financial Planner status demonstrating industry-leading expertise
- Ongoing service with regular reviews of financial arrangements
- Transparent fee structure agreed before recommendations
- Accessible nationwide via office, home visits, or remote consultations
- Pioneers in ethical investment portfolios with ESG focus
Associations and certifications
- Chartered Insurance Institute (CII)
- Financial Conduct Authority (FCA)
Services
Investment Planning
Our structured investment process combines financial planning expertise with tailored portfolio construction. We offer Origin and Generation portfolios, including ESG-focused options, with ongoing monitoring and tax-efficient strategies. Services cater to diverse needs including retirement income, inheritance tax planning, and trustee investing, ensuring alignment with individual risk profiles and financial goals.
Retirement Planning
Specialist FCA-regulated pension transfer services and retirement income planning form our core offering. We help clients navigate complex options like annuities, flexible drawdown, and phased withdrawals while considering state pension integration. Our advice ensures tax-efficient provision for early retirement and longevity, with emphasis on maintaining lifestyle requirements through comprehensive income strategies.
Mortgage Services
From first-time purchases to buy-to-let portfolios, our dedicated team provides whole-of-market mortgage advice. We specialise in residential, commercial, and equity release mortgages, offering access to exclusive products through our lender relationships. Services include affordability assessments, remortgaging strategies, and post-offer conveyancing support, with transparent administration fees and flexible arrangement options.
Financial Protection
We design bespoke protection strategies covering life assurance, critical illness cover, and private medical insurance. Our business protection services include key person cover, shareholder agreements, and group benefit schemes. All recommendations consider tax efficiency and estate planning implications, ensuring financial security for families and business continuity during unforeseen circumstances.
Wills and LPA
Our registered will-writing service and Lasting Power of Attorney (LPA) arrangements ensure legal clarity for estate distribution and decision-making authority. While not regulated by the FCA, these services integrate with inheritance tax planning and probate support, helping clients establish comprehensive succession plans that align with their broader financial objectives.
People
Cath Hearnden
Director
With over 35 years' experience, Cath co-founded Hearnden Associates in 2000. A Chartered Financial Planner, she specialises in holistic financial solutions and serves as parish councillor and charity trustee. Her expertise spans tax, investment, and mortgage planning.
Paul Hearnden
Director
A Chartered Financial Planner with international experience, Paul established our investment processes. He focuses on pensions and investments, combining technical knowledge with motorsport enthusiasm. Holds key responsibility for portfolio development and client strategy.
Gemma Jose
Director
Qualified mortgage and equity release specialist with nearly 20 years' service. Recently appointed director, she oversees HR operations while maintaining her advisory practice. Specialises in residential and commercial mortgage solutions for individuals and businesses.
Harry Cox
Director
One of the UK's youngest Chartered Financial Planners, Harry joined in 2015 and became a director in 2020. Specialises in retirement planning and investment management, maintaining portfolios for new and existing clients while advising across all financial matters.
Brittany Wheeler
Director
First-class economics graduate and Chartered Financial Planner. Instrumental in developing our ethical investment portfolios. Manages investment administration and serves on the investment committee, combining technical expertise with charitable work and client-focused solutions.
Questions
What financial services do you specialise in?
We offer comprehensive financial planning including investments, retirement strategies, mortgages, protection policies, wills, and business financial solutions. Our Chartered status ensures expertise across all service areas.
Are your financial advisers qualified?
All our advisers hold professional qualifications including Chartered Financial Planner status. We maintain ongoing training to meet FCA requirements and industry best practices.
How do you charge for your services?
We operate a transparent fee structure agreed upfront. Mortgage advice carries a £395 administration fee, while financial planning fees can be deducted from investment contracts or paid directly.
Can I meet you in person?
Our Lingfield office is accessible from the M25, with home visits and remote consultations available. Many clients conduct business via phone or email, particularly outside the South East.
Are you regulated by the FCA?
Yes, Hearnden Associates Limited (FCA number 458349) is authorised and regulated by the Financial Conduct Authority for financial services and investment products.
Do you offer ethical investment options?
Our Generation portfolios incorporate environmental, social and governance (ESG) criteria. Partnering with Worthstone specialists, we ensure genuine ESG compliance while maintaining financial performance standards.
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