Harmony Wealth Management LTD

Independent Financial Adviser  1 Victoria Square, Sutton,, B11BD
First meeting at adviser's own cost
The great joy of financial freedom, is having your heart and mind free from worry about life's uncertainties. My aim is to pave the way for a more secure financial future for you and your family.
We can advise you on
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Annuity purchase
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Defined benefit
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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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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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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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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
Response rating
9.0/10
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FCA authorised
Last authorised 13th September 2021
Meet our advisers
Mr Neil Smith Dip PFS
Director & Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

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

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

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

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.

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

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

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

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.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

What our clients say
What were the circumstances that caused you to look for a financial adviser? My husband, a solicitor, died when I was 43 years old with a 6 year old child. My husband had taken care of all our finances and basically, I did not have a clue about such a serious matter. How did Neil Smith help you? He discussed with me the various options and guided me in the right direction for my personal finances and a trust fund for my child. Have you seen the outcome you were hoping for? I am in a secure position despite the current financial difficulties going on around us. What could they have done better? I have every confidence in the decisions Neil has taken over the years.
Christine May, Verified Vouchedfor Review
What were the circumstances that caused you to look for a financial adviser? Very poor interest rates at local banks. Upcoming retirement. Investment of deceased parents property. How did Neil Smith help you? Helped with our attitude to risk etc in our investments, and invested to suit our needs. Gave clear advice regarding stocks and shares, including risks etc. Advice in choosing Annuity Pension. Advice in drawing up our Wills. Have you seen the outcome you were hoping for? Very pleased with the outcome, wish we had met Neil sooner! What could they have done better? Cannot think of anything Neil could have improved on we get regular portfolio updates and statements.
Ian Plows, Verified Vouchedfor Review
What were the circumstances that caused you to look for a financial adviser? I have dealt with Neil for some 21 years now and during that time his advice has enabled me to take best advantage of my financial investments. Without his advice,I am sure that my pension arrangements,in.particular , would not be as sound as they are today. How did Neil Smith help you? Neil's friendly yet thoroughly professional approach has been invaluable. He explains financial.natters in terms which I as a lay man can clearly understand. Have you seen the outcome you were hoping for? There is always scope for higher returns,but considering the vagaries of the economic climate over the years,I am satisfied with the current outcomes. What could they have done better? Difficult to know. Neil's steady hand on the tiller is as good as I would expect
Bob Rowley, Verified Vouchedfor Review
Trust my hard earned savings to a banker to invest? Not me! I use Harmony Wealth Management. Harmony for friendly, simply explained, trustworthy and truly independent financial advice.
Trevor Mee, S. Lanarkshire, Scotland
Mr Neil Smith has been looking after my mother's financial affairs for a number of years. He has always dealt with our queries promptly and he is always very professional and friendly, nothing is too much trouble. A great guy and we hope he will be acting on our behalf for many years to come.
Mrs E Cunningham, Chesterfield
Harmony Wealth have overseen our entire financial affairs from their inception and for many years previously by Neil. We have found their impartial and independent advice invaluable, covering a wide area of our requirements, all of which has been handled with extreme confidentiality, punctuality, reliability and friendly professional service. Nothing has been too much trouble and we have had no hesitation in recommending them to a number of friends and colleagues, all of whom have expressed their thanks for doing so. The addition of a Will writing service and being able to arrange Lasting Powers of Attorney has been a much welcome benefit, thereby alleviating the need to engage other professionals in what is a private and delicate subject.
T J & K Winter, Norwich
About us

I have been helping my clients achieve their financial goals and fulfil their aspirations for over 26 years. I began my career in financial services in 1994 and decided the time was right for me to start my own business in 2009.

I have provided advice to clients all over the country and I have a structure in place that ensures your location is never a barrier to business. I am able to utilise an 'at distant' proposition by embracing Zoom, Go To and Teams meetings which is the safest and most convenient way to conduct our business discussions and, of course, the most environmentally friendly. However, by using this method, I am able to pass on savings to you and reduce my charges accordingly.

My philosophy is not to blind you with complexities, but use jargon-free, easy-to-understand language which enables you to make informed decisions about your existing and future planning needs.

I am well versed in all aspects of financial services from pre and post retirement specialisms, through to inheritance mitigation, trust planning and investment expertise, ensuring sound and helpful advice that puts you in control and at the heart of everything I do.

Our services

This is the start of our journey together. I am going to help you prepare your plan to meet your financial objectives and achieve your aspirations. You will be in safe and trusted hands, ensuring that you and your family's assets are protected.

Where to find us
Head office address: 1 Victoria Square, Sutton,, B11BD
Service coverage
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Compliance

Harmony Wealth Management Ltd is Authorised and Regulated by the Financial Conduct Authority.

Harmony Wealth Management Ltd is entered on the Financial Services Register (<url hidden>) under reference 713818.

Harmony Wealth Management Limited is Incorporated and registered in England & Wales under Registration Number: 7006728
Registered Office: Penmore House, Hasland Road, chesterfield, Derbyshire, S41 0SJ

We use meeting facilities around the UK, however the above address is our only registered address.

Response rating
9.0/10
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FCA authorised
Last authorised 13th September 2021

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