Business Details
15 Years
experience
Independent Financial Advisers Guildford London
Established in 2011 by Alex Simpson, our firm has grown into a team of dedicated professionals committed to delivering exceptional financial advice across the South East. We pride ourselves on our in-house approach, eliminating intermediaries to focus exclusively on client needs through tailored investment strategies. Our team holds advanced qualifications, including Chartered status and specialized Trust Planning certifications, ensuring expert guidance across complex financial scenarios. We combine cutting-edge technology with personalized service, offering tools like our Personal Finance Portal for transparent asset management and automated alerts.Rooted in core values of Service, Aspiration, Flair, Excellence, and Responsibility, we maintain a culture of continuous improvement while adhering to the highest ethical standards under FCA regulation. Our client-centric philosophy drives everything we do, from detailed cashflow modelling for retirement planning to innovative solutions for corporate pension schemes and inter-generational wealth transfer.
Services
Financial Planning
Pension Transfers
Investment Management
Mortgage Advice
Protection Planning
Estate Planning
Equity Release
Retirement Planning
Trustee Services
Corporate Pension Solutions
Details
- Year established: 2011
Highlights and features
- We provide FCA-regulated financial advice with Chartered professionals
- Our in-house investment approach eliminates third-party intermediaries
- Specialized expertise in Defined Benefit Pension Transfers and Trust Planning
- We combine advanced technology with personalized client service
- Proven track record since 2011 serving South East clients
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional financial advice
Professional and personable team
Excellent long-term relationship
Innovative investment ideas
Diligent financial planners
Services
Financial Planning
Our comprehensive financial planning service creates personalized strategies aligned with your life goals and risk tolerance. We analyze your complete financial picture to develop investment portfolios that evolve with your changing circumstances. Using advanced cashflow modelling tools, we help clients achieve financial security at every life stage while maintaining FCA-regulated compliance.
Pension Transfers
Specialist advice on Defined Benefit Pension transfers and optimization strategies. We evaluate pension scheme complexities to determine whether retention or transfer best serves your long-term interests. Our FCA-regulated team provides detailed risk assessments and alternative solutions for maximizing retirement income while maintaining regulatory compliance.
Estate Planning
We create tax-efficient estate plans that ensure your assets are distributed according to your wishes. Our approach considers inheritance tax implications and incorporates trust structures where appropriate. Through regular reviews and updates, we help maintain alignment with evolving family circumstances and legislative changes affecting estate management.
Trustee Services
Independent financial advice for trustees managing trust assets. We develop customized investment strategies considering beneficiaries' needs and long-term sustainability. Our service includes annual reviews, digital asset tracking through our Finance Portal, and tailored reporting to ensure trustees meet their fiduciary obligations with confidence.
Corporate Pension Solutions
Integrated payroll, pensions, and workplace benefits services for corporate clients. The Harding Hub provides tailored solutions for employee benefits management and pension scheme administration. Our specialists help businesses navigate TUPE transfers and complex pension arrangements while ensuring compliance with evolving regulatory requirements.
People
Alex Simpson
Managing Director
Founder of Harding Financial in 2011 with a vision to become the South East's premier independent financial planning firm. Holds Chartered Independent Financial Planner status and drives the company's strategic growth while maintaining hands-on client service.
Gemma Wass
Associate Director
Key member of the leadership team with extensive experience in investment portfolio management. Specializes in creating growth strategies for long-term client assets while maintaining personalized service standards that have earned client trust over many years.
Matthew Ellis
Head of Financial Planning
Leads the financial planning division with a focus on holistic client solutions. Combines technical expertise with a client-centric approach to develop strategies that address both immediate needs and long-term objectives while maintaining regulatory compliance.
Karen Mulcock
Finance Manager
Manages financial operations with a commitment to exceptional client experience. Ensures the firm's financial practices align with its core values while maintaining the highest standards of professional conduct and regulatory compliance.
Oliver Chew
Chartered Financial Planner
Brings mathematical and statistical expertise to develop data-driven financial solutions. Specializes in using technology to create innovative strategies that help clients achieve their financial goals through evidence-based planning approaches.
Questions
What areas do you cover?
We primarily serve clients across the South East including Guildford and London, with both office locations and remote advisory capabilities.
Are you FCA regulated?
Yes, Harding Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA Ref. 555911).
What pension services do you offer?
We specialise in Defined Benefit Pension transfers, corporate pension schemes, and retirement planning solutions tailored to individual needs.
How do you charge for services?
Our charging structure varies by service type - please contact us directly for specific fee information related to your requirements.
Can you help with trust management?
Yes, we provide specialized trustee services including investment strategy development and FCA-compliant trust asset management.
Do you offer corporate financial solutions?
Our Harding Hub division provides integrated payroll, pensions and workplace benefits services for corporate clients nationwide.
