A crucial part of any financial planning strategy is to consider what action should be taken in order to protect you and your family from the effects of premature death, accident or serious illness.

As part of cashflow modelling, our financial advisers explore the implications of the above given your aims and objectives. Of course, you may have a number of protection policies that have been in place for many years, though they may no longer meet your requirements, or be far more expensive than equivalent cover available now. Often, the standard death in service benefits provided by employers is too broad to offer the cover you need, as well as being linked to you remaining employed. Adopting a tailored approach allows us to quantify the type and amount of insurance protection that you (and your family) may need. Following a protection review you can be confident that you and your loved ones are protected against unplanned eventualities.

In some cases your needs may be more complex and you may need to explore trust planning or business protection, this form of financial planning is also one of our areas of expertise.

If you are based in Leeds, Wakefield, Huddersfield or the surrounding Yorkshire area and would like to speak to Chartered Financial Advisers on the protection of your finances, please do not hesitate to contact our Morley team on 0113 350 2080.

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We believe in looking after the clients we manage.

Choosing the right adviser can be difficult and knowing your adviser will be there throughout your financial career is vital before committing to such a relationship.
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Recent News

  • Pensions advice

New changes to public sector pensions explained

April 4th, 2016|0 Comments

The constant changes to pensions has left a lot of people in the UK, including here in Yorkshire, extremely confused and concerned about their retirement life.

Our financial adviser team has received calls regarding the alterations to the public sector schemes, and with this in mind has prepared the following article to outline how you may be impacted. Please note that the changes will have no affect whatsoever on your own […]

Meet Our Customers

Many people in the process of planning their retirement look to independent financial advisers to help with pension’s advice when they hear of options of investment to increase their savings. This was the case for our Leeds team recently, who helped Eric find a secure level of income during his retirement…

Eric, who was still working at the time, came to our team after being recommended our services by a friend, with a request to take out money from his pension to buy a property, but found that if he did so whilst still in work he would face an unnecessary and high tax bill.

Initially, we offered a free 30 minute finance consultation with Eric, so we could discuss his situation, before planning in the next steps to take to help resolve it.Read More

What Our Customers Think

“I have found that Andrew Dodd, partner at Heritage, delivers financial advice in an easy and understandable way, so that people like myself can simply understand the steps needed to be taken.

Throughout the time we have dealt with him, before his venture with Heritage, he is always prompt at meetings, efficient with his time management, and will also spend the extra time in giving financial advice to do with our financial portfolio.

I would always recommend him as an independent financial adviser to help with anyone I know looking for portfolio management, pension advice and even tips on regular savings.”

Gareth, Cleveland
We worked with Andrew for over 8 years now, prior to his time as independent financial adviser for Heritage, and he has proven to be an excellent adviser, whom we moved from a working environment into retirement with.

During that time we had excellent and friendly financial advice, from retirement planning and pensions to portfolio management and investment advice, all of which we fully understood and were comfortable with. In all of his financial recommendations they have proven to be extremely beneficial for us, and nothing is ever seen as too much trouble, as he has always remained reachable and delivered timely and effective financial advice.

We would always recommend Andrew, and now the whole Heritage team as we are positive that everyone else would have the same enjoyable experience as we do. With Andrew you were not just another person in a queue, it’s a personal financial experience, and it’s reassuring that we could contact him whenever for advice big or small.