Five parts of a plan, one adviser
Most clients arrive with one question and leave with a plan that covers the rest: what to save, what to hold, what to leave behind, and what the whole thing costs.
Your plan, and the numbers behind it
Every client gets a written plan, an online view of what they hold, and a named adviser who answers the phone.
A written plan Your plan in plain English, with every assumption listed
An annual review One meeting a year to test the plan against real life
Money held in your name Your portfolio sits with a custodian, never with us
One named adviser The person who wrote your plan is the person you call
What makes us different from the firm you left
Independent, fee-only, and small enough that you speak to the person who wrote your plan.
Independent We can recommend anything on the market and we own none of it
Fee-only No commission from any provider, on any product, ever
A named adviser The adviser at your first meeting stays with you
Plain English Plans you can read without a glossary, and ask questions about
Fees, stated plainly
Three ways to work with us. The first meeting is free, the fee is agreed in writing before anything starts, and we take no commission from anybody.
Financial plan
£1,500/one-off
A one-off plan for people who want the maths done once, with nothing ongoing
What is included:
Two planning meetings, in person or by video
A written plan and a cash-flow model
Pension, ISA and protection review
A list of what to do, in order
No obligation to go any further
Most chosen
Ongoing advice
0.75%/a year
Planning, investments and an annual review, charged on the money we look after
What is included:
Everything in the financial plan
Portfolio built, held in your name and rebalanced
An annual review meeting
Tax year-end allowances used before April
Calls and emails included, not billed
Charged monthly on the value we advise on
Family office
£6,000/a year
For families with trusts, several entities, or a business sale on the horizon
What is included:
Everything in ongoing advice
Trust, gifting and estate coordination
We work directly with your accountant and solicitor
Two named advisers who both know the file
Quarterly reviews instead of annual
Fixed fee, agreed each year in advance
No exit fee if you leave
What clients say
Five of the 84 reviews clients left us last year. Names are used with permission.
We arrived with three old pensions, a rental flat and no idea how any of it fitted together. Harbour Wealth put it on two sides of paper and told us what it would cost before we agreed to anything.
Rachel Voss
Retired teacher, client since 2019
I sold my share of the business in March. Gordon had the pension and tax work lined up with my accountant weeks before the money landed, which is the only reason it went smoothly.
Iain Duthie
Former owner, Duthie Joinery
The fee is printed on the website and it is the fee I pay. After two firms that would not answer the question directly, that alone was worth moving for.
Nadia Haq
GP partner, client since 2021
They talked me out of a product I had already half agreed to buy somewhere else, explained why in one page, and did not charge me for the meeting.
Peter Lund
Site manager, client since 2023
One adviser, one meeting a year, and somebody who picks up the phone when the market has a bad month. That is all I ever wanted from a firm like this.
Alan Pemberton
Retired dentist, client since 2016
