Business Details
11 Years
experience
Trusted Financial Advisers in Yorkshire
Harris Independent Financial Advice, based in Boston Spa, Yorkshire, offers independent financial planning and investment management services across the UK. Founded in 2015, our team combines over two decades of hands-on investment experience with Chartered Financial Planner qualifications. We specialise in pensions, wealth management, mortgage advice, and life insurance, prioritising low-cost solutions tailored to individual client needs. Our approach eliminates ties to specific financial institutions, ensuring unbiased recommendations focused on client benefit.With a proven track record managing 45 million in assets, we deliver ongoing portfolio management at competitive rates. Client testimonials highlight our expertise in navigating complex pension regulations, tax-efficient strategies, and responsive service. As a trading name of Dalbeath Financial Planning Ltd (FCA-regulated), we maintain rigorous compliance standards while fostering long-term client relationships through transparent communication and measurable results.
Services
Pension Advice
Investment Management
Mortgage Advice
Life Insurance
Wealth Management
Buy to Let
Retirement Planning
Tax Efficiency
Portfolio Management
Annuity Guidance
Details
- Year established: 2015
Highlights and features
- We offer 20+ years of hands-on investment management experience
- Our fees are 0.2%-0.5% of assets, below industry standards
- We provide ongoing portfolio management with transparent pricing
- Our Chartered Financial Planner qualifications ensure regulatory expertise
- We maintain complete independence from financial product providers
Associations and certifications
- Financial Conduct Authority
What people say
Very helpful
Efficient service
Expert guidance
Prompt communication
Cost-effective solutions
Services
Pension Advice
Specialist guidance on pension consolidation, tax efficiency, and retirement income strategies. We help clients navigate Annual and Lifetime Allowances while optimising investment growth. Our service includes ongoing portfolio management for defined contribution pensions valued at 100,000+. Clients benefit from transparent fee structures with no initial charges for ongoing advice relationships.
Investment Management
Tailored portfolio management for investments exceeding 200,000. We combine low-cost platforms (0.25% admin fees) with carefully selected funds (0.06% annual fees) to deliver total costs between 0.65%-0.95%. Our approach leverages 20+ years of market experience to balance risk management with growth potential across global asset classes.
Mortgage Advice
Comprehensive mortgage solutions including residential, buy-to-let, and remortgaging. We access the entire market to find competitive rates with fees ranging from free for mortgages over 150,000 to 295 for smaller amounts. Our service includes application assistance, decision-in-principle support, and conveyancing recommendations for properties across the UK.
Life Insurance
Free impartial advice on life insurance, critical illness cover, and income protection. We compare market options to find cost-effective solutions that meet individual needs. Our service includes policy placement in trust for inheritance tax benefits, with no arrangement fees charged to clients.
Wealth Management
Holistic wealth management for portfolios exceeding 200,000. We address capital gains tax, inheritance tax mitigation, and pension allowance optimisation. Our approach combines provider selection with strategic asset allocation, maintaining total costs well below industry averages through our independent advisory model.
People
Matthew Harris
Chartered Financial Planner
With 20 years' experience as an investment manager at firms like Scottish Widows and Standard Life, Matthew specialises in pension transfers and portfolio management. He holds advanced CII qualifications and focuses on tax-efficient solutions for clients across the UK.
Questions
What financial services do you specialise in?
We focus on pensions, investment management, mortgage advice, and wealth planning with tax-efficient strategies.
Are you regulated by financial authorities?
Yes, we're authorised and regulated by the Financial Conduct Authority (FCA no. 603653).
How do your investment fees compare to industry standards?
Our ongoing advice fees range from 0.2%-0.5% of assets, significantly below the 1.5%-2.5% industry average.
Can you help with complex pension transfers?
Yes, we specialise in defined benefit pension transfers with expert analysis of tax implications and long-term benefits.
Do you offer mortgage advice outside Yorkshire?
We provide mortgage solutions across the UK, including buy-to-let and first-time buyer options.
