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Long-term, trusted relationships
We are passionate about our values of professionalism, partnership, transparency and quality, ensuring all our clients get the very best financial advice.
Our services
We specialise in six key areas of financial planning, ensuring that you get the expertise you need to achieve your financial goals.
Pension Advice
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Pensions have changed over recent years; you may have had several jobs or a period of self-employment, which could mean your pension funds are quite complex. We will undertake in-depth research to establish how your current pensions are performing and if they are still suitable for your retirement plans. We will discuss our recommendations with you and propose a course of action that will meet your future needs.
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Tax Mitigation Planning
We can help you to make use of your available allowances in a strategic way, and build a solution that is the most tax efficient for your investments.
Investment Advice
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Do you have money to invest and are you looking for this money to achieve something for you? Do you have investments already? We will take the time to understand your financial goals, the level of risk you are willing to take and devise a suitable plan to ensure you meet your goals.
Inheritance Tax Planning
Taking early action and planning ahead is important to ensure your wealth is passed on in a tax-efficient way. Making personal gifts during your lifetime and understanding the inheritance tax allowances available to you will help. You may benefit from talking to one of our qualified independent financial advisers to understand your options.
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Long-term Care Planning
Does a relative, or do you, need ongoing long-term care? Working together, we will develop an investment plan personalised to the situation and present the options that are available to you.
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Equity Release Loans
We can advise you on releasing equity from your property for the purpose of boosting retirement income, covering long-term care costs, reducing Inheritance Tax or gifting money.
Open and transparent charges
We believe that you should fully understand what you will pay. We will always explain our fees to you in a clear, jargon-free manner.
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Our initial consultation is free of charge
At Heritage Investments, we offer a free initial consultation. At this meeting we will assess your goals, needs and requirements. After the meeting we will provide a detailed transparent breakdown of the total fees to complete the agreed work.
What people say about us
I was in my mid-fifties, so retirement was on the horizon and with my mother's passing, my wife and I needed sound advice on saving, investments, and pensions. Thankfully we located John Cooper and following a home visit and seeing his recommendations, we established an ongoing (now 15 year) relationship. John gave us great confidence as I approached and then entered into retirement and we know we can call on him with any financial concerns.
John shows a personal interest in our well-being which is comforting to us both in the short and longer term. Our savings have maintained very good progress despite difficult economic climates over the years. We have confidently introduced him to family members and friends who feel mutually happy with the service he has consistently provided.
- Ian, client
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