Business Details
23 Years
experience
Your Trusted Financial Planning Partner in Cornwall
Established in 2003, Harris Begley has built a reputation across Cornwall as a trusted provider of comprehensive financial advice. Our holistic approach ensures we address every aspect of your financial needs, from mortgage solutions and pension planning to investment strategies and retirement preparation. With a team of highly qualified professionals, we prioritise long-term relationships, tailoring our services to align with your personal and financial goals. Our commitment to transparency, technical expertise, and client-centric service is reflected in our Pension Transfer Gold Standard accreditation and membership of the Quilter Financial Planning Network. We serve individuals, families, and businesses, offering bespoke solutions that adapt to life's changing circumstances.Our proven four-step processdiscovery, research, implementation, and ongoing supportensures clarity and confidence in every decision. Backed by decades of collective experience and a deep understanding of local and national financial landscapes, we empower clients to navigate their financial journeys with assurance. Testimonials from clients since 2012 highlight our exceptional customer service, swift execution, and ability to deliver results even in complex scenarios. As a small firm, we combine the agility to provide personalised attention with the resources of a leading financial network, ensuring you receive both expertise and empathy.
Services
Financial Planning
Mortgage Advice
Pension Transfers
Investment Management
Retirement Planning
Equity Release
Protection Cover
Details
- Year established: 2003
Highlights and features
- We offer a holistic approach to financial planning, integrating mortgages, pensions, and investments.
- Our team holds advanced qualifications, including Chartered Financial Planner status.
- We prioritise long-term client relationships with personalised, transparent advice.
- Recognised for excellence through the Pension Transfer Gold Standard accreditation.
- Decades of combined experience serving clients across Cornwall and beyond.
Associations and certifications
- Financial Conduct Authority (FCA)
- Pension Transfer Gold Standard
What people say
Excellent customer service
Swift and effective help
Highly recommend the team
Exceptional pension transfer support
Reliable long-term partner
Services
Financial Planning
Our financial planning service creates tailored roadmaps to achieve your life goals through strategic asset management, tax-efficient investments, and risk mitigation. We analyse your current financial position, future aspirations, and market conditions to develop comprehensive plans covering retirement, education funding, and intergenerational wealth transfer. With ongoing reviews and adjustments, we ensure your financial strategy evolves alongside your circumstances and market dynamics.
Mortgage Advice
We provide independent mortgage advice for first-time buyers, home movers, and remortgagers. Our specialists compare products across the market to secure competitive rates aligned with your financial situation. We explain complex mortgage terms, assess affordability, and guide you through the application process while considering tax implications and long-term financial impacts.
Pension Transfers
Specialist pension transfer advice helps you consolidate or move existing pensions into more suitable arrangements. We evaluate benefits, exit penalties, and investment options to determine optimal solutions. Our Pension Transfer Gold Standard accreditation ensures rigorous analysis of tax efficiency, risk profiles, and retirement income sustainability when recommending transfers.
Investment Management
We design diversified investment portfolios aligned with your risk tolerance and financial objectives. Our approach combines market analysis, asset allocation, and regular performance reviews to maximise returns while managing volatility. We focus on tax-efficient vehicles and long-term growth strategies, ensuring investments support broader financial plans like retirement or education funding.
Equity Release
Our equity release service helps homeowners access tax-free cash from property value while maintaining residency. We explain lifetime mortgage options, assess eligibility, and compare providers to find suitable plans. We provide clear guidance on inheritance implications, interest rates, and how released funds can support retirement income or debt consolidation.
People
Matthew Begley
Chartered Financial Planner and Managing Director
Matthew leads our financial planning team with over 20 years' experience in wealth management. His expertise in retirement planning and pension transfers ensures clients receive technically robust, future-proof advice tailored to their life goals.
Steve Rusga
Mortgage and Protection Adviser
Steve specialises in mortgage solutions and protection cover, helping clients secure competitive home loans and safeguard their families' financial futures. His client-focused approach has earned multiple recommendations for swift, reliable service.
Martin Eddy
Mortgage and Protection Adviser
With extensive experience in mortgage advising, Martin provides tailored solutions for first-time buyers and remortgagers. Clients praise his clear communication and ability to navigate complex financial scenarios across UK property markets.
Alan Hoskings
Chartered Financial Planner
Alan delivers expert financial planning advice, focusing on tax-efficient investments and retirement strategies. His analytical approach ensures clients' portfolios align with both regulatory standards and personal aspirations.
Andy Hughes
Protection Adviser
Andy specialises in life and health insurance solutions, designing protection plans that secure families' financial stability. His thorough assessments ensure coverage matches clients' specific needs and long-term objectives.
Questions
What financial services do you offer?
We provide financial planning, mortgage advice, pension transfers, investment management, equity release, and protection cover tailored to individual and family needs.
Are you regulated by financial authorities?
Yes, we are an appointed representative of Quilter Financial Services Limited, authorised and regulated by the Financial Conduct Authority (FCA).
How do you tailor financial plans to individual needs?
We conduct detailed discovery meetings to understand your goals, risk tolerance, and financial situation before creating customised, adaptable strategies.
Can you help with UK-wide mortgage applications?
Yes, our mortgage advisers assist clients across the UK, including Scotland, with first-time purchases, remortgaging, and specialist schemes like Help to Buy.
What is the Pension Transfer Gold Standard?
This accreditation recognises our commitment to transparent, technically rigorous pension transfer advice prioritising clients' long-term retirement security and regulatory compliance.
How often do you review financial plans?
We recommend annual reviews but offer flexible check-ins to adjust plans according to life changes, market conditions, or evolving financial goals.
Reviews (7)
Anthony Leak
Dec 26, 2021
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Me and my partner was looking to buy our first house and was recommended to give becky a call. we couldn't speaklynhighly enough of becky how quickly and smoothly she dealt with everything. the process can seem quite daunting but she made every step of the easy for us. we would highly recommend.
Michele Cheesman
Oct 23, 2019
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Kirsty Winston is a financial advisor with Harris and Begley and has been there for us every step of the way. She is very professional and at the same time make you feel that you are her only client and that she is there for you 24/7. We have bought a house using Harris and Begley and I highly recommend Kirsty Winston for her thoroughness, personable service and professionalism. She has made the process effortless and as enjoyable as buying a house can be.
Elaine Noble
Mar 19, 2019
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We have dealt with Harris Begley for over a decade,from personal mortgage to company pension. They are very professional approachable, and local I have always recommended to friends and colleagues should they ever need financial advice.
Mike Noyes-Perrin
Oct 01, 2017
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We purchased our home with Harris Begley Financial Planning. Although the process as with most house moves was not without its issues, out of Harris Begley Financial Planning and our control I must add, I can honestly say I would definitely use and recommend Andy Hughes and his amazing team again. They are thorough and informative. I loved the updates and I didn't feel the need to chase them to keep things moving. They work closely with the solicitors and estate agent, which helped towards a smooth process. I found all the team but especially Andy, very friendly and polite and if there was a question
Debra Willis
Nov 26, 2015
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"Matt is friendly, welcoming and totally switched on....knows the housing and mortgage market like the back of his hand. Made switching mortgages painless and saved us money. Goes out of his way to help you take control of your financials. Highly recommend Matt - Harris Begley."
Ben Amos-Reed
Sep 18, 2015
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Harris Begley sorted our mortgage for us on our first house in 2008. They were really helpful with everything and I always recommend them.
Jamie Pilcher
Feb 10, 2015
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Harris Begley are the only financial advisors I would use for mortgages and life insurance, they have consistently provided me with excellent service and they always come through with the goods. If you are looking for first class advice about mortgages or life insurance or anything regarding your money, this is the place.
