HDA Chartered Financial Planners

Independent Financial Adviser  New Barn, Manor Farm Courtyard, Southam, Gloucestershire, GL52 3PB
First meeting at adviser's own cost
Independent, Chartered financial planners providing peace of mind to wealth growers, those approaching or in retirement and employers.
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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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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Commercial mortgages
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Corporate pension
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Employee benefits
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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
10/10
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FCA authorised
Last authorised 25th May 2020
Meet our advisers
Peter Clark
Chartered Financial Planner

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

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

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

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

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

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.

Accreditations
Chartered Financial Planner
Robin Etherington
Chartered 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 helps advisers develop and demonstrate their financial planning capabilities. 

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.

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 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 demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

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

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.

Accreditations
Chartered Financial Planner
Martin Johnston
Financial Planner

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

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

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

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 develops advanced technical knowledge and understanding across a broad range of key advisory areas.

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 qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

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

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

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

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

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

Eugénie Cameron
Chartered Financial Planner

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

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

This examination assesses a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

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

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.

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

This examination assessed specialist supervisory knowledge and skills in the regulatory environment.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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.

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 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.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

This qualification enables professional advisers to develop specialist planning capabilities, covers topics like: personal tax and trust, business financial, pension and investment planning.

This qualification assesses a knowledge and understanding of key elements of the mortgage process, specialist types of mortgage lending, challenges in the mortgage industry and the giving of mortgage 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.

What our clients say
Always there at the end of the phone or e-mail to answer any questions. Face to face meetings are encouraged to keep in touch with client affairs and to ensure client satisfaction. Explains clearly and very professional. Also gives you peace of mind that HDA work for you and your life goals.
T Davis, Cheltenham
At various stages of running my business, I've turned to Robin for advice, leaving every meeting clearer and happier. He's offered practical solutions on pensions, property and investments, and helped me to explore avenues. My husband and I have replaced a messy pot of out-dated pensions with a fund that is doing well. We are about to retire with peace of mind, knowing that we entrust the fund to HDA.
K Williamson, Cheltenham
By far the most reassuring aspect of our relationship with Eugenie and her team is knowing that you can pick-up the phone at any time for advice, guidance and reassurance should the need arise.
K Jenkins, Worcester
I feel that HDA really do treat clients as individuals and do their best to achieve personal goals. Both Principals and staff are always ready to help when required.
M Hodgkinson, Cheltenham
We have complete trust in HDA and their proven track record with our investments means we do not have to worry. We are very happy to just leave everything in their capable hands. If we have a question or query, they are always just a phone call away and for a worrier like me this is so reassuring.
N Welsby, Stroud
HDA have been faultless in the advice and service they've provided to me over the years. I wouldn't go anywhere else for financial planning.
S Wheeler, Stroud
Having known my financial adviser (Peter Clark) for around twenty years while through my previous employer and now in retirement, he's been instrumental in not only shaping my financial plans and aspirations, but also invaluable in providing the highest level of professionalism and expertise throughout that period.
M Ashley, Exeter
HDA have looked after my pension planning and investments for at least 20 years. They are always available to discuss my needs and expectations in the language that people not regularly dealing with finance can understand.
C Madely, Axbridge
HDA are an excellent financial adviser. They keep me informed and if I have any questions about my finances, at any time at all, they will explain it in an easy and thorough way. I have complete trust and faith in their financial experience and advice.
C Lewis, Plymouth
Having had two other companies advising us previously we can say that we are not moving again! The move into the HDA partnership has not made any difference to the friendly and competent service. We value the personal connection.
P & K Constantine, Ledbury
HDA's knowledge and advice has helped me understand how to secure and maintain a beneficial financial future for myself and family.
R Hendry, Gloucester
HDA have provided sound financial advice to members of my family for over 20 years. We have all benefited from peace of mind in the knowledge that our investments have been capably and professionally managed with an excellent financial return.
R Davies, Ross-on-Wye
I highly value the friendly but efficient and informative service you provide which is excellent in all respects.
D Foulser, Cheltenham
They are open, honest and I am very happy for the company to handle my financial investments and pension fund.
J Hughes, Exeter
The service from HDA is excellent. They are very professional and provide a superb personal service with clear advice and reviews that you can trust. It is always a pleasure to work with HDA and I am extremely grateful for what has been achieved in the 10+ years that we have been working together.
S Thomas, Bridgend
The advice I receive from HDA is excellent. They offer independent financial advice that is clear and relevant to my own financial situation. I can email or telephone anytime I have a query or a concern and they are always ready to help.
J Matthews, Sutton Coldfield
About us

With our strong ethics and personal approach, our experienced and qualified planners are here to give you financial peace of mind.

It’s important that we add value to your financial wellbeing. Not everyone wants or needs financial planning advice, so we only focus on helping people at certain stages in life:

1. Wealth growers - we help working professionals and business owners to balance the lifestyle they want for their families today with the retirement they want to have in the future.

2. Approaching retirement - we help those who are starting to think about retirement. Often in their 50s, the time has come to make important decisions about how and when they can afford to retire.

3. Retired people - we help retirees to enjoy their retirement and not worry about things such as long-term care or running out of money.

4. Employers - HDA Workplace works with businesses that want to provide their employees with valuable workplace benefits. We run their group private pension and other employee benefit schemes. We also provide one-to-one financial planning support to individuals.

This way, we can harness our experience and expertise to provide you with expert guidance to help you to achieve your financial goals.

Our services

Our clients recognise the value of having a reliable ‘go-to’ expert for their financial affairs. And we recognise our social responsibility to help people get the basics right and avoid costly mistakes.

As financial planners, rather than advisers, it’s all about relationships, not just transactions.

The HDA difference:

• We’re independent, which means we’re not tied to any providers
• We have high standards; that’s why we’re Chartered
• We’ve been around a long time and will be for many years to come
• We’re big enough to manage all your needs and small enough to care about them
• We take away the worry

Where to find us
Head office address: New Barn, Manor Farm Courtyard, Southam Lane, Cheltenham, GL52 3PB
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 25th May 2020

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