Business Details
Your Trusted Chartered 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, underpinned by ethical practice and continuous development. We specialise in pensions, inheritance tax planning, investments, long-term care, tax mitigation, and equity release, offering tailored solutions aligned with individual financial goals. Our four-step processDiscover, Plan, Implement, Reviewensures ongoing support, while our independence allows us to access the entire market for optimal client outcomes.With over 15 years of client relationships and a team of qualified advisers, we prioritise transparency, building long-term trust through jargon-free communication and personalised service. Our clients value our patience, expertise, and accessibility, as evidenced by testimonials highlighting our role in securing financial futures across retirement planning and legacy protection. Registered with the Financial Conduct Authority, we operate under UK regulatory standards, ensuring accountability and client confidence.
Services
Pension Advice
Tax Mitigation Planning
Investment Management
Inheritance Tax Solutions
Long-Term Care Planning
Equity Release
Highlights and features
- We hold Chartered status, demonstrating commitment to the highest industry standards.
- Our independence allows access to the entire financial market for unbiased advice.
- Personalised service combines technical expertise with empathetic client relationships.
- Transparent fee structures ensure clarity with no hidden costs.
- Proven four-step process delivers actionable, long-term financial strategies.
Associations and certifications
- Chartered Insurance Institute (CII)
- Financial Conduct Authority (FCA)
What people say
Personal interest in our well-being
Invaluable support over four years
Confidence in asking questions
Clear, prompt advice
Maintained savings progress
Services
Pension Advice
We provide comprehensive pension reviews to assess suitability for retirement plans. Our advisers analyse complex pension histories from multiple employers or self-employment, offering tailored recommendations to optimise retirement income while explaining options clearly for informed decision-making. This service ensures clients understand their pension performance and future requirements.
Tax Mitigation Planning
Our specialists help clients utilise available tax allowances strategically. By analysing individual circumstances, we develop tax-efficient investment structures and inheritance tax planning strategies, including lifetime gifting options. This proactive approach ensures clients maximise their investment returns while maintaining compliance with current tax regulations through regular portfolio reviews.
Investment Advice
We create customised investment solutions aligned with clients' financial goals and risk tolerance. Our process involves assessing existing portfolios, identifying growth opportunities, and implementing strategies to achieve specific objectives. Regular reviews ensure investments remain aligned with changing circumstances, helping clients build and preserve wealth across market cycles while maintaining clear communication about performance.
Long-Term Care Planning
We develop personalised financial plans to address long-term care requirements. Our advisers evaluate insurance options, savings strategies, and asset protection methods to ensure clients maintain financial security while accessing necessary care. This service includes scenario planning for different care levels and ongoing adjustments to reflect changing needs and regulatory environments.
Equity Release
Our specialists advise on releasing property equity for retirement income, care costs, or inheritance tax reduction. We explain different schemes' implications, assess suitability based on individual circumstances, and ensure clients understand how equity release affects their estate. This service includes comprehensive assessments to balance immediate financial needs with long-term legacy considerations.
People
John Cooper
Joint Managing Director & Chartered Independent Adviser
With over 15 years of experience, John specialises in retirement planning and investment strategies, known for his patient approach and ability to simplify complex financial concepts for clients' long-term security.
Tom Parkinson
Chartered Independent Financial Planner
APFS-accredited Tom provides expert financial planning with four years of client-focused service, delivering annual reviews and quarterly portfolio updates while maintaining prompt, clear communication on discrete financial matters.
Andrew Cook
Joint Managing Director & Chartered Independent Adviser
As a SOLLA-accredited Chartered Adviser, Andrew combines technical expertise with accessible communication, helping clients achieve financial security through tailored solutions that address both immediate needs and future aspirations.
Susan Barber
Independent Financial Adviser
DipFA-qualified Susan specialises in comprehensive financial planning, leveraging her LIBF membership to deliver technically sound advice while maintaining approachable client relationships focused on long-term wealth protection.
Steve Worboys
Independent Financial Adviser
DipPFS-qualified Steve provides personalised financial solutions, known for his thorough approach to client consultations and commitment to ongoing professional development that enhances service quality across pension and investment planning.
Questions
What financial planning services do you offer?
We specialise in pensions, tax mitigation, investments, inheritance tax planning, long-term care, and equity release, providing comprehensive solutions tailored to individual retirement and wealth management goals.
Why choose a Chartered Financial Adviser?
Chartered status demonstrates our commitment to exceptional professional standards, ethical practice, and continuous development, ensuring clients receive technically excellent advice within strict regulatory frameworks.
How does your financial planning process work?
Our four-stage process begins with understanding your needs, followed by creating tailored plans, implementing solutions, and regular reviews to ensure your financial strategy evolves with your changing circumstances.
Are your fees transparent?
Yes, we provide clear, jargon-free fee explanations. Our initial consultation is free, followed by detailed cost breakdowns for agreed services, ensuring complete transparency with no hidden charges.
Can you help with retirement income planning?
We specialise in creating sustainable retirement income strategies, helping clients determine appropriate spending levels while maintaining investment growth to ensure financial security throughout retirement.
Do you offer equity release advice?
Yes, we provide impartial equity release guidance, explaining options for boosting retirement income or reducing inheritance tax while ensuring clients understand the long-term implications for their estate.
