Business Details
Your Trusted Financial Partner in Newbury
Heritage Financial Advisers is an independent chartered financial planning firm dedicated to building better financial futures for its clients. With a team of highly qualified professionals, we specialise in holistic financial planning, pensions, investments, and protection services. Our approach prioritises client needs through tailored strategies that balance risk and reward while minimising tax liabilities. Accredited by the Chartered Insurance Institute, we maintain the highest standards of practice and offer whole-of-market solutions. Our commitment to integrity and client-centric service ensures that every financial plan reflects individual goals, from wealth accumulation to later-life planning.We provide free initial consultations to understand client aspirations before developing customised strategies. With offices in Newbury and Croydon, we serve clients across the UK, combining technical expertise with a personal touch. Our cashflow modelling services help visualise financial resilience against life's uncertainties, ensuring robust long-term planning. We focus on creating lasting relationships rather than transactional interactions, with regular reviews and proactive communication. Our expertise extends to inheritance tax mitigation, retirement strategies, and protection planning, addressing both immediate and future financial needs.
Services
Holistic Financial Planning
Wealth Accumulation
Retirement Planning
Later Life Planning
Pension Advice
Investment Strategies
Inheritance Tax Planning
Cashflow Modelling
Protection Services
Highlights and features
- We are accredited by the Chartered Insurance Institute, demonstrating commitment to industry excellence
- Our independent status provides whole-of-market access for unbiased financial solutions
- Free initial consultations help clients understand our approach before commitment
- Customised cashflow modelling visualises financial resilience against life's uncertainties
- Dedicated team provides ongoing support with regular reviews and proactive communication
Associations and certifications
- Chartered Insurance Institute
What people say
Supported and encouraged
Sound advice well explained
Thorough reviews
Professional approach
Responsive to queries
Services
Holistic Financial Planning
We create integrated financial strategies that consider short, medium, and long-term goals. Our approach combines investment management, tax efficiency, and risk mitigation to build robust plans. By understanding individual circumstances, we develop tailored solutions that adapt to changing life events while maintaining focus on long-term objectives.
Wealth Accumulation
Our wealth accumulation strategies focus on growing financial resources through strategic investments and savings plans. We help clients optimise their portfolios to balance risk and reward while minimising tax liabilities. By aligning investment choices with personal goals, we maximise long-term returns through market-appropriate solutions.
Later Life Planning
We specialise in preparing clients for retirement and beyond through comprehensive later-life planning. This includes inheritance tax mitigation, long-term care provisions, and estate planning. Our strategies ensure financial security during retirement while protecting assets for future generations through tax-efficient structures.
Cashflow Modelling
Our cashflow modelling service visualises financial plans under various scenarios. This helps clients understand potential impacts of life events on their financial security. By stress-testing plans against uncertainties, we create resilient strategies that maintain stability through changing circumstances while achieving long-term objectives.
Pension Advice
We provide expert guidance on pension management and drawdown strategies. Our advice covers maximising pension pots, navigating complex regulations, and creating sustainable income streams. We help clients understand their options while ensuring compliance with current legislation to optimise retirement outcomes.
People
Richard Dunbabin
CEO
Richard leads our team with extensive financial services experience, combining strategic vision with client-focused values to deliver exceptional financial planning solutions.
Questions
What financial planning services do you offer?
We provide holistic financial planning covering pensions, investments, protection, inheritance tax mitigation, and later-life planning tailored to individual circumstances.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority and accredited by the Chartered Insurance Institute.
How does your financial planning process work?
We begin with a free initial consultation to understand your goals, followed by creating customised strategies with regular reviews to ensure ongoing alignment with your needs.
Do you offer investment management services?
Yes, we provide tailored investment strategies that balance risk and reward while considering your financial objectives and tax efficiency.
What areas do you cover?
We operate nationwide from offices in Newbury and Croydon, serving clients across the UK with both in-person and virtual consultations.
How are your financial planning fees structured?
We discuss transparent fee structures during your free initial consultation, with options tailored to the complexity and scope of required services.
