Business Details
Trusted Financial Advisers in Boston Spa
Harris IFA has been providing tailored financial solutions since our establishment, combining deep industry expertise with a client-centric approach. With over two decades of hands-on experience in financial markets, our founder Matthew Harris brings unparalleled insight to pension planning, investment management, and wealth strategy. As an independent firm regulated by the Financial Conduct Authority, we prioritise unbiased advice and cost-effective solutions, ensuring clients receive the lowest fees without compromising service quality. Our unique value proposition lies in Matthew's background as a former investment manager, enabling us to design and manage portfolios in-house at significantly reduced costs compared to industry standards. We maintain transparency in all dealings, offering ongoing support with annual advice fees ranging from 0.2% to 0.5% of assets under management.Our commitment to excellence is evidenced by numerous client testimonials praising our expertise, responsiveness, and ability to simplify complex financial matters. We serve clients across the UK from our Boston Spa base, delivering face-to-face or remote consultations to accommodate diverse needs.
Services
Pensions
Investment Advice
Mortgages
Life Insurance
Wealth Management
Buy to Let
Highlights and features
- We offer complete independence with no ties to financial institutions
- Our team includes a former investment manager with 1.5bn experience
- We guarantee transparent fee structures starting at 0.2% annually
- Our advice combines Chartered qualifications with practical market knowledge
- We maintain FCA regulation for client protection and compliance
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Efficient and professional
Highly recommended
Prompt communication
Cost-effective solutions
Services
Pension Advice
We specialise in comprehensive pension advice covering consolidation, tax efficiency, and retirement income strategies. Our service includes fund analysis, risk assessment, and ongoing portfolio management tailored to individual circumstances. Clients benefit from our expertise in navigating complex regulations while minimising charges through direct provider relationships.
Investment Advice
Our investment advisory service focuses on creating diversified portfolios using low-cost funds across global markets. We provide continuous monitoring, performance reporting, and strategic adjustments based on market conditions. The service caters to clients with 200,000+ investable assets seeking professional management with transparent fee structures.
Mortgage Advice
We offer independent mortgage advice covering residential and buy-to-let properties. Our service includes market analysis, product selection, and application processing with access to exclusive deals. Clients receive tailored recommendations considering their financial situation while leveraging our industry relationships for competitive terms.
Wealth Management
Our wealth management service integrates tax planning, inheritance strategies, and asset protection. We take a holistic approach considering all financial aspects to optimise long-term outcomes. The service includes regular reviews and coordinated advice across multiple financial disciplines to preserve and grow client wealth.
Life Insurance
We provide impartial life insurance advice covering term assurance, critical illness cover, and income protection. Our service includes policy analysis, provider comparisons, and bespoke solution design. Clients benefit from our market expertise while ensuring appropriate coverage at competitive premiums through comprehensive product research.
People
Matthew Harris
Chartered Financial Planner
With 20+ years' experience as an investment manager at firms like Scottish Widows and Standard Life, Matthew holds Chartered Insurance Institute qualifications including Advanced Diploma in Regulated Financial Planning. He specialises in pension transfers, investment strategy, and tax-efficient wealth management while maintaining FCA regulation compliance.
Questions
What areas do you cover for financial advice?
We provide financial advice to clients across the UK from our Boston Spa base, offering both face-to-face consultations and remote services via phone and email.
What minimum investment amount do you require?
We accept clients with £100,000+ for pension advice and £200,000+ for comprehensive investment management services, ensuring appropriate resource allocation for quality service delivery.
How are your fees structured?
Our fees range from 0.2% to 0.5% annually for ongoing advice with one-off services like pension consolidation charged at 0-1% of fund value, maintaining transparent pricing throughout.
Are you regulated by financial authorities?
Yes, we operate under Financial Conduct Authority regulation (FCA no. 603653) as part of Dalbeath Financial Planning Ltd, ensuring compliance with strict industry standards.
Can you help with mortgage applications?
We arrange residential and buy-to-let mortgages across the UK with fees ranging from £0-£295, leveraging our lender relationships to secure competitive rates for clients.
What qualifications do your advisers hold?
Our lead adviser holds Chartered Insurance Institute qualifications including Advanced Diploma in Regulated Financial Planning and specialist credentials in pension and wealth management.
Reviews (7)
Emma Carter
Jan 03, 2021
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Wendy has made the whole process from getting our original mortgage offer to securing us a new offer when that one came to an end an absolute dream! We cannot thank the team enough for all their hard work answering our questions and organising the deals and would not hesitate to recommend them to everyone looking for financial products and guidance on said products. Thank you again!
Max Carter
Aug 01, 2019
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Exceptional service throughout. As first time buyers with a plethora of questions, Matt has gone out of his way to support us at every stage of the process. He took the time to answer everything with great patience and also, to establish an excellent working relationship. I could not recommend him more. We fully intend to use Harris IFA again for any future financial advice we require. Thank you!
Neil Aitken
Nov 07, 2017
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Matt Harris provided me with a very honest and robust analysis of whether or not to transfer from a DB Pension scheme. I'd thoroughly recommend Matt for this type of work.
Rolo
Sep 14, 2017
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Absolutely brilliant service. From an email enquiry regarding DB Transfer, I found the service to be prompt, honest and extremely useful. An asset to the profession. If and when my own circumstances change, I will not hesitate to contact Mathew. Many thanks once again.
Frans Kooy
Aug 26, 2017
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I consulted Matt Harris about whether to take a final salary pension or take the transfer value. I got a very quick and responsive service. Matt tested several outcomes, his presentation of the information was the clearest that I have seen from a financial adviser, and his final advice was sensible and unbiased. Would definitely recommend.
Lynsey Sadler
Jul 04, 2017
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Used for a mortgage application. Wendy guided us through the whole process and was always available to answer any questions we had. Mortgage application was made quick and simple. Would definitely recommend and will use again in future.
Alastair Reynolds
Jun 07, 2017
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I selected Harris IFA mostly because they were close to where I work. I was really impressed with their DB transfer service. I received lots of background questions on my needs and risk appetite, useful advice and ultimately a smooth transition into an efficient SIPP wrapper.
