Blacktower Financial Management

Independent Financial Adviser  Fetcham Park House, Fetcham, KT22 9HD
First meeting at adviser's own cost
Blacktower has been providing holistic financial planning advice since 1986. Pension Transfers | Investments | UK Financial Planning | Advice for EU/EEA/UAE residents | Cross-Border Planning | US Connected Individuals
We can advise you on
Annuity purchase
Pension consolidation
Pension drawdown
Pensions & divorce
Pensions & retirement planning
Pensions review
Pensions transfer
Wealth management
Ethical investments
ISA / Unit Trusts / OEICs
Investing for income
Investment trusts
Offshore investments
Socially responsible investments
Unit trusts
Lump sum
National savings
Regular savings
Savings for children
School fees planning
Critical illness
Income protection insurance
Life insurance
Capital gains tax
Estate planning
Income tax
Taxation planning
Response rating
FCA authorised
Last authorised 24th January 2022
Meet our advisers
MR Andrew Hains
Financial Planner and International Financial Adviser

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

What our clients say
I have very much enjoyed working with Andrew on joint clients for many years. He is enormously focused on helping his clients achieve their goals. On many occasions he has gone "over and above" to get a great outcome for our joint clients. I found Andrew to be an excellent communicator, well organised, proactive, and extremely competent in his role.
S H, Australia
Assisted with the transfer of our pensions to the most suitable portfolio allowing for future flexibility and choice. Annual performance review and relocation of assets according to preference and growth. Andrew maintains regular contact with us and we have full confidence in his management of our pensions.
M B, Australia
Andrew is very experienced and knowledgeable in his field of expertise, he was very helpful in assisting me to make the right decisions for retirement.
R B, London, United Kingdom
Andrew is clearly very knowledgeable in this area and importantly explained the more complex issues surrounding the management of my pension concisely and continues to do so, so I feel I have a good understanding of how it works. He takes concerns on board and finds solutions while also being very pro-active. Andrew has proposed an even better solution for my pension which was quite a challenge given the complexities involved.
C M, Reading
Andrew Hains is a highly experienced and knowledgeable financial adviser with an excellent understanding of his specialist area. What really sets him apart though is his connection with his clients - not just understanding the numbers and the regulations but the human aspects. He really appreciates what people need - thoroughly researched and clearly delivered financial advice. Reliable, honest and down to earth, I would recommend the services provided by Andrew Hains (and his colleagues at Blacktower FM) without any reservation at all.
G H, Australia
I would like to thank you Andrew for the exceptional service and support that you provided with the transfer of my pension scheme in the UK to a QROPS in Germany. You addressed all my inquiries promptly and with competence. I appreciate your customer focus and the “speed & ease” approach that I am looking for as a customer. It has been a pleasure doing business with you, as your support didn’t end with providing what I was asking for, but also providing additional information that have been useful for me and that helped me making an educated decision. You are taking the “customer experience” to the highest level. It has been a pleasure doing business with you and I felt in good hands at all time we worked on my project.
A W, Germany
Andrew, G and I would like to thank you for all you help and advice over some 10 years. We have always found your advice to be sound and well thought out and your service has always been of a high standard. Regards, C D
C & G D, Australia
Andrew's follow-up is exemplary. I value his reminders a lot. He has never missed a previously agreed phone call or appointment and had always done his "homework" prior to any calls or meetings. I particularly appreciated his patience when explaining financial details to an ordinary person like me. He showed himself as a very flexible and adaptable person when situations changed. I enjoy his amicable personality. I value his clear explanations and honest statements. Andrew is the living proof that there are still reliable and trustworthy financial advisers.
J-F B, Berlin, Germany
Andrew has shown a great client focus and a long-term understanding of a business relationship. When difficulties have arisen, he has been very diligent to solve the issues and has put the client first. In addition, he has always been kind and close.
J R, Spain
Finding worthy means of investing can be difficult as a Swiss resident. Not with Andrew's help though. His advice paired with a bit of patience and a fair amount of customer care has opened my eyes to new investment possibilities. Thank you for all the guidance and looking forward to a continuously beneficial collaboration.
S D, Zurich, Switzerland
I have worked alongside Andrew professionally for several years now and he certainly knows his stuff. Great guy and very approachable for clients. He is honest, extremely knowledgeable and get the job done!
J F, London
I have worked with Andrew for over 6 years. His dedication to his clients is unquestionable and his knowledge and expertise in the field of financial planning is clear to see. One of Andrew's greatest skills is the ability to discuss complex matters with his clients in a way that is simple and understandable. Hardworking, dedicated, experienced but above all a people person.
L M, Hertfordshire
We established a great relationship with Andrew over ten years ago when we were in the process of emigrating from the UK to Australia. Andrew advised and guided us through the process of protecting our position in relation to our UK Pensions, investments and retirement planning. He also referred us to an Australian Financial Adviser with whom he worked to provide advice and guidance in relation to our mortgage and insurances when we arrived in Australia. Yes , I have complete faith in Andrew's advice - he has always always articulated and explained things clearly. I have no constructive suggestions of improvement in relation to Andrew's level of service as I have always found him to be very attentive and responsive to our specific needs.
CC, Australia
The pensions world for those who have made international moves is complex and can be very daunting as I found out. The advice and direction given by Andrew has led to a flawless, beneficial pension transfer for myself.
DF, United States
Andrew advised my husband and I on our move to Australia. He helped us navigate the complications of relocating to and then permanently moving to a new country. He provided objective pensions advice and spent time understanding our requirements so we felt comfortable with the decisions we made. He subsequently advised my Mum after a stressful family bereavement and took time to call and meet up with her to reassure her of both the process and her investment decisions. I would recommend Andrew for his objectivity and caring approach to his clients.
RG, Western Australia
I have known Andrew for a number of years and I have been very impressed with his attention to detail when working with me on my financial affairs. He is thorough and always explains complex processes in plain English.
AL, Australia
What were the circumstances that caused you to look for a financial adviser? Moved to Australia How did Andrew Hains help you? Transfer of NHS pension to SIPP and ongoing advice on future planning Have you seen the outcome you were hoping for? Successful transfer. Good ongoing advice
BP, Australia
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? We were planning to migrate to Australia and needed to find someone that could take care of our UK Pensions with a view to us migrating. How did Andrew Hains help you? Andrew has been working with us and advising us for 10 years or so. He has always done a great job and been there when needed. We have built up a great trust and I have real confidence in the advice he has given us. He explains things well and we know he has our best interests in mind at all times. Have you seen the outcome you were hoping for? Yes, we have put in place a great model and I'm happy with how things are tracking. What could they have done better? Nothing that I can think of.
AP, Australia
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? A friend of mine told me to contact Blacktower in order to change my DB and DC plan to a SIPP (since there is no possibility to transfer my UK pension plans to Spain). And this is how I ended up meeting Andrew. How did Andrew Hains help you? Andrew has been (and is) a very valuable person for me since he has helped me A LOT when transferring DB and DC plan to a SIPP, and especially in the last two months when he has helped me change the SIPP as I was kicked out from the previous SIPP. He has been extremely diligent, always keeping me in the loop in how things were evolving and always with a positive and very polite behaviour. Have you seen the outcome you were hoping for? Yes. It is true that the entity where I had my SIPP decided to close that service (something Andrew could not foresee) and that generated worrying
JR, Spain
What were the circumstances that caused you to look for a financial adviser? I needed to transfer my UK pension to Germany. How did Andrew Hains help you? Andrew advised me on my options about transferring my UK pension to Germany. Have you seen the outcome you were hoping for? Yes.
CP, Frankfurt, Germany
What were the circumstances that caused you to look for a financial adviser? Emigration to Australia How did Andrew Hains help you? Originally setting our portfolio up with Andrew's former employer, approx 9 years ago, Andrew was easy to talk to & we had confidence in his advice & so have recently returned to him after he left his former employer & we became disillusioned with them. We are happy that, as laypeople, he has our best interests at heart & the advice he provides works the best for all of us. We have had more positive experiences with Andrew in the last few months than we had with his former firm over the preceding few years ...... Have you seen the outcome you were hoping for? Too early to say as we only recently returned to Andrew, but the communications & actions taken so far have bee superb. What could they have done better? Nothing so far, but I have confidence if we suggest anything in the future, Andrew will take it on board !
JH, Australia
The world of asset management was unchartered territory for me and Andrew took the time to navigate me through these waters with his knowledge and warm enthusiasm. I’ve no doubt he will give others the confidence to make wise choices for their finances.
V G, The Netherlands
What were the circumstances that caused you to look for a financial adviser? After inheriting some money and not knowing where to invest. How did Andrew Hains help you? By explaining how investments worked and talking me through my risk profile until we found something that I was comfortable with. He has also made me think long term and making sure how we invest now is helping me work towards my long term financial goals. Have you seen the outcome you were hoping for? Yes despite the events of 2020, I have seen some positive outcomes
M H-L, Manchester
Please provide a brief comment about your experience with Andrew He’s an excellent financial adviser
A M, London
What were the circumstances that caused you to look for a financial adviser? I was looking to transfer my final salary pension in the UK to Australia How did Andrew Hains help you? Before meeting Andrew and I was given advice that would have cost me tens of thousands of dollars in tax as well as breaching HMRC and ATO regulations. Andrew helped me navigate the complexities of the transfer in a cost effective manner, minimising tax liabilities and frankly saving me thousands of dollars. It was a long, drawn out process, but without Andrews input I would have been in a significantly worse financial position Have you seen the outcome you were hoping for? Yes, I was able to transfer funds to Australia in preparation for retirement. This is an incredibly complex area and Andrew kept me on the right path instilling confidence with his knowledge and experience. What could they have done better? I found Andrew extremely knowledgeable, patient and highly customer focused. There are no pa
G K, Northumberland
What were the circumstances that caused you to look for a financial adviser? Because I am an expat living in Spain, I considered it important to have a financial advisor for advice on the best investment for my pent sion pot. How did Andrew Hains help you? Andrew did a thorough review of my circumstances and financial needs. Based on the information provided he proposed an income drawdown scheme that had the advantage of withdrawal payments in euros, thereby eliminating the need to use currency brokers for transferring sterling to euros. Have you seen the outcome you were hoping for? So far everything has met my expectations What could they have done better? Nothing that I can think of
P C, Cambridgeshire
What were the circumstances that caused you to look for a financial adviser? I had a 2 pensions in a UK based private pension scheme and I required that the money in these 2 pensions was easily accessible from by home based in Spain. I also moved the money into a more lucrative investment fund. How did Andrew Hains help you? Andrew assessed my requirement at the current time in my life and advised me on the best way to do the above. Have you seen the outcome you were hoping for? Yes, at the moment I can't complain. What could they have done better? Nothing, everything was what I expected. Overall Rating: 5 out of 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0
C R, Spain
About us

Andrew Hains IFA has over 21 years experience working within the Financial Services profession and specifically, pensions & investments.

The Blacktower Group was formed in 1986 to provide independent wealth management advice and a bespoke service for both individual and corporate clients.

Financial planning, tax planning, retirement planning, pension transfer, investment and protection advice.

Executive Wealth Management services for UK, UAE and EU/EEA residents.

Advice for Resident Non Domiciile and Foreign National individuals.

Our UK Head Office is located in Surrey. We cover all areas of the UK, UAE and EU/EEA.

• UK regulated advice
• EU/EEA/UAE regulated advice
• Cross-Border Financial Planning
• International Investment and Pension advice
• UK repatriation advice

Our services

• Retirement Planning
• Holistic Financial Planning
• UK/EU/EEA/UAE Financial Planning
• Pension Transfers, Switches and QROPS advice
• Investments (lump sum and regular)
• Pre and Post Migration Financial planning (dependent on Country)
• International Financial Planning
• Cross-Border Financial Planning

Defined Benefit Transfer Advice Service

Please note, the minimum defined benefit case size is £400,000 and you must be aged 54 or over.

All services are aimed at UK, UAE and EU/EEA resident clients

Where to find us
Head office address: Fetcham Park House, Lower Road, Fetcham, KT22 9HD
Service coverage
Preferred clients
Minimum wealth (income/assets)
Minimum pension value
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Online (Live chat, video, email)
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    Face to face

Your home may be repossessed if you do not keep up repayments on your mortgage.

Blacktower Financial Management Ltd is authorised and regulated by the Financial Conduct Authority reference number 188611.

Blacktower Financial Management (International) Ltd is licensed in Gibraltar by the Financial Services Commission (FSC) Licence No: 00805B.

Blacktower Insurance Agents and Advisors Limited is regulated in Cyprus by the ICCS licence number 5101.

Blacktower Financial Management (Cyprus) Limited is licensed and regulated by the Cyprus Securities & Investment Exchange Commission ('CySEC') with license number 386/20.

Response rating
FCA authorised
Last authorised 24th January 2022

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