Business Details
Chartered Financial Advisers in Watlington | Logic Financial Services
Established as a Chartered Financial Planning firm, we prioritise simplicity and clarity in delivering tailored financial solutions. Our team of Chartered Financial Planners combines industry-leading qualifications with decades of collective experience, ensuring clients receive expert guidance aligned with their unique goals. We adhere to the highest professional standards, maintaining authorisation by the Financial Conduct Authority to guarantee ethical practices and client trust.By fostering close relationships with a select group of clients, we provide personalised advice on retirement, inheritance tax planning, and wealth management. Our commitment to continuous staff development ensures cutting-edge expertise, while our focus on plain-language communication demystifies complex financial concepts. This approach has earned us recognition as a trusted partner in securing long-term financial stability and legacy planning for generations.
Services
Retirement Planning
Inheritance Tax Planning
Care Planning
Personal Financial Planning
Savings & Investments
Mortgage Advice
Highlights and features
- We are a Chartered Financial Planning firm with industry-leading standards
- Our team includes Chartered Financial Planners with specialist qualifications
- We provide personalised advice without financial jargon
- We offer tax-efficient wealth management strategies
- Our new MyLogic portal gives 24/7 access to financial plans
Associations and certifications
- Chartered Institute for Securities & Investment
- Financial Conduct Authority
What people say
Excellent advice
Comprehensive support
Professional and knowledgeable
Patient and humorous
Engaged and informed
Services
Retirement Planning
We help clients build tax-efficient pension pots to ensure comfortable, secure retirements. Our Chartered Financial Planners create tailored strategies considering state pensions, personal savings, and investment growth. By analysing current financial positions and future aspirations, we develop sustainable withdrawal plans that maintain living standards while managing inheritance goals. Our FCA-regulated advice ensures compliance with evolving pension legislation.
Inheritance Tax Planning
Specialist advisers help minimise inheritance tax liabilities through strategic gifting, trust structures, and charitable donations. We assess estate valuations including property, investments, and life assurance policies. Our Chartered status ensures expertise in current exemptions and reliefs, creating succession plans that preserve family wealth while addressing potential care fee requirements. Regular reviews adapt strategies to legislative changes and personal circumstances.
Care Planning
Accredited care fees advisers develop sustainable funding solutions for residential or home-based care. We evaluate local authority contribution thresholds, property equity release options, and insurance products. Our Society of Later Life Advisers accredited team considers both immediate needs and long-term affordability, ensuring care arrangements align with broader financial plans while protecting inheritances.
Personal Financial Planning
Comprehensive financial roadmaps integrate short-term objectives with long-term security. Our Chartered Planners analyse cashflow, debt management, and investment strategies to prioritise financial goals. Using risk profiling tools, we recommend suitable asset allocations across tax wrappers like ISAs and pensions, ensuring plans remain adaptable to life changes while maintaining regulatory compliance.
Savings & Investments
We design diversified investment portfolios matching clients' risk profiles and financial objectives. From basic ISAs to complex offshore structures, our strategies balance growth and income generation. Regular performance reviews ensure alignment with changing market conditions and personal circumstances. We explain investment vehicles in plain language, focusing on long-term capital preservation and tax efficiency.
People
Harjeet Heer
Director
With over 15 years in financial services, Harjeet specialises in retirement and inheritance tax planning. His client-focused approach combines technical expertise with clear communication, ensuring complex strategies remain accessible. He mentors junior advisers in ethical practices.
Xenia Mullerworth
Senior Client Services Administrator
Xenia manages client relationships with meticulous attention to detail. Her decade of experience ensures seamless implementation of financial plans, coordinating between advisers and external providers to maintain service excellence.
Lee Humphrey
Financial Planner
Lee specialises in first-time investor education and mortgage advice. His structured approach helps clients build wealth through property ownership while aligning with broader financial goals.
Harmit Heer
Director
Co-founder Harmit oversees investment strategy development. With Chartered status since 2008, he ensures all recommendations meet rigorous professional standards while remaining accessible to clients.
Amelia Aitchison
Financial Planner
Amelia focuses on women's financial independence, guiding clients through career transitions and retirement planning. Her empathetic style builds confidence in managing personal finances.
Questions
What financial planning services do you offer?
We provide retirement planning, inheritance tax solutions, care fee funding, mortgage advice, and comprehensive wealth management tailored to individual circumstances.
Are you regulated by financial authorities?
Yes, we're authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 627030), ensuring compliance with strict professional standards.
How do you charge for financial advice?
Our fees vary by service complexity. We provide transparent cost breakdowns before starting work, with options for hourly rates or fixed-fee packages.
Do you work with clients outside Watlington?
While based in Watlington, we serve clients nationwide through virtual meetings and our secure MyLogic portal, with physical meetings available in London and St Albans.
What is MyLogic portal?
MyLogic is our upcoming client portal allowing 24/7 access to financial documents, investment tracking, secure messaging, and digital document signing for convenient wealth management.
Reviews (3)
H. Recruitment
Dec 06, 2019
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Following a bit of a health scare I wanted to ensure my family is fully protected. I spoke with Harj and he spent time understanding my situation and what I was trying to achieve before explaining all my options. He then researched the market for me before giving me the best choices. I am now confident that the plans I have in place are giving me some security.
Sara B.
Jun 20, 2019
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Over the years Harj has provided expert advice and support with all financial matters including insurance policies, mortgages and pension for me and my family. He always provides me with comprehensive support in a clear and easy to understand way. With Harj's guidance and personal care I always have full confidence in dealing with my finances. I happily recommend Harj to friends and colleagues.
Debbie Browne
Jun 12, 2019
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I would thoroughly recommend Harj & his team for all aspects of financial planning. He has given us excellent advice on financial, pension and
employment / business matters. Logic are both professional, knowledgeable and extremely helpful.
employment / business matters. Logic are both professional, knowledgeable and extremely helpful.
