What we do, and how a plan gets written
Five services, one written plan, and a fee agreed before anything starts. Here is what each part of the work involves and who it tends to suit.
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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
How the work actually runs
The three parts of the job clients ask about most before they move their money across.
A cash-flow model, not a guess
We model income, spending, tax and retirement dates, so you can see what a decision does to the next thirty years before you take it.
Independent since 2011, owned by the people who give the advice, and paid only by the people who take it.
Harbour Wealth was set up by two advisers who were tired of selling other firms' products. We publish our fee, we take no commission, and we look after about 260 families and business owners from one office on the quay.
4.9/5 from 84 client reviews
£420m
Client money under advice at 31 March 2026
14
Years advising from the same harbour office
0.75%
Our ongoing fee, published and unchanged since 2019
260
Families and business owners we currently advise
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
