Camargue House LLP

Independent Financial Adviser  Camargue House Llp, Bolton, Greater manchester, BL1 2DD
First meeting at adviser's own cost
We provide our clients with sound, unbiased advice, excellent service and a trusted relationship, always acting in their best interest.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Bad credit
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Building your home
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Buy my next home
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Buy to let
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Buying commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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EEA
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
9.0/10
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FCA authorised
Last authorised 14th September 2020
Meet our advisers
Howard Spargo BSc (Hons) FPFS Cert CII (MP, ER & DM)
Chartered Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

This qualification helps advisers develop and demonstrate their financial planning capabilities.

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

Accreditations
Chartered Financial Planner
Chris Bowden
Chartered Financial Planner

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed knowledge and understanding of income generating options and applying the knowledge to retirement planning situations.

This examination assessed knowledge and understanding of the range of investments available for planning of pensions and to be able to apply the construction of a pension portfolio management for a client.

This examination assessed knowledge and understanding to analyse and evaluate a client’s circumstances and financial needs and produce a holistic financial solution based on an in-depth knowledge of financial services products.

This examination assesses a knowledge and understanding of financial protection plans.

This examination demonstrated that the individual has a knowledge and understanding of all financial planning aspects of running a business and an ability to advise clients appropriately.

Accreditations
Chartered Financial Planner
What our clients say
Our long standing financial adviser was retiring and we were selling our business at the same time. We were naturally apprehensive that we would find a good replacement adviser who we could rely on and trust. Howard had already worked for a number of our business clients and they spoke very highly of him. He has carried out very thorough financial planning with us going into the greatest detail and he has given us a much better view of our finances than we have had before. We're very confident in Howard's approach to financial planning and feel that we are in safe hands with our planning and investments.
Mr & Mrs M - Retired Business Owners, Shropshire
You can’t buy time. By dealing with Chris and utilising his Lifestyle Financial Planning approach, we have retired 5 years earlier than we thought we possibly could and can spend this time enjoying ourselves rather than working.
Mr and Mrs R, North West
Howard has been our Financial Adviser for over 5 years. He has taken infinite care with our investments to ensure they are the best possible with the level of risk we are willing to take. He has visited us regularly and prepared for us considerable material to clarify for us our future financial prospects and inheritance options. He has arranged when required an increase in our income and he has given us peace of mind concerning our finances. He is always available by ‘phone or otherwise if needed between visits.
Mr & Mrs P - Retired, Cumbria
About us

Our mission is to help clients and their families achieve and maintain financial peace of mind -- preserving the wealth clients have created and building a legacy for future generations of families and business leaders.

Our client comes first in everything we do, and it shows in the service we provide. Your wealth management needs are first and foremost at Camargue House. It is a way of doing business that is as appealing to our team as it is to our clients.

Our office is based in Bolton but our clients come from far and wide. We frequently visit Scotland, East Anglia, London and the South West to visit our clients as we have always wanted to ensure we could look after our clients for their life, no matter where they live.

Our services

Our client comes first in everything we do, and it shows in the service we provide. We specialise in providing lifestyle financial planning, ensuring that your personal goals and aspirations form the cornerstone of our planning and advice.

We are Chartered Financial Planners and able to deal with any area of your financial affairs from school fees planning to long term care. We specialise in dealing with families with complex situations requiring tax efficiency, estate preservation and risk mitigation.

We have no limits on the clients we deal with, other than their commitment to improving their own financial position.

Where to find us
Head office address: Camargue House Llp, 46 St. Georges Road, Lancashire, Bolton, BL1 2DD
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£250,000
Minimum mortgage value
£250,000
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 14th September 2020

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