Heritage Wealth Solutions
15th October 2018
Our advisers each have Chartered status and we aim for all our clients to make the most of their finances.
We can advise you on
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Financial planning
- Wealth management
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Investments
- Ethical investments
- Investing for income
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
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Pensions & retirement
- Annuity purchase
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
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Insurance & protection
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
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Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
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Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
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Business
- Corporate pension
- Group critical illness
- Group income protection
- Group life insurance
- Group pensions
- Group protection
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Long term care
- Long term care
Meet our advisers
Andrew Dodd BSc(Hons) APFS
Chartered Financial Planner
Qualifications & Accreditations
J05 - Pension Income Options (CII)
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.
J06 - Investment Principles, Markets and Environment (CII)
At the end of this unit, candidates should be able to demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.
J04 - Pension Funding Options (CII)
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.
G10 - Taxation and Trusts (CII)
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.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
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.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
APFS - Associate, Personal Finance Society (PFS)
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
CF8 - Certificate in Long-Term Care Insurance (CII)
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.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Accreditations
Claire Stones APFS
Chartered Financial Planner
Qualifications & Accreditations
J08 - Financial Planning Practice (CII)
This qualification helps advisers develop and demonstrate their financial planning capabilities.
J04 - Pension Funding Options (CII)
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.
AF1 - Personal Tax and Trust Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
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.
Dip PFS - Personal Finance Society Diploma (PFS)
To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
APFS - Associate, Personal Finance Society (PFS)
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.
AF5 - Financial Planning Process (CII)
This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.
R02 - Investment Principles (CII)
This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
R03 - Personal Taxation (CII)
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.
J05 - Pension Income Options (CII)
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.
AF4 - Investment Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.
AF3 - Pension Planning (CII)
This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.
Accreditations
What our clients say
Claire explains often complicated financial products in a way which allows us to make informed decisions based on her sound advice on the various options on the market.
We have found Andrew is very transparent about the charges he makes for his services and we feel gives great value for money.
Mr. Andy Dodd
I have known Mr. Andy Dodd since April 2005 where he became financial adviser to my wife and me. At this time Mr. Dodd was offering financial advice and financial planning to senior managers in education who were retired or about to retire.
Professional
Mr. Dodd has always portrayed a very professional outlook to his work. He has the ability to offer advice and information in a very understandable format to individuals who do not have investment background or sound investment knowledge.
Mr. Dodd has offered advice and undertaken action on a wide range of financial matters for us. Each action has been thoroughly discussed so that we have a clear understanding of what is proposed.
In areas where he feels he is unable to answer our requests e.g. Wills / Probate he will seek advice and recommend the appropriate personnel.
We are aware that Mr. Dodd travels extensively in his work throughout the country. He is always prompt in attending meetings at our home. Consequently he has an impeccable ‘time management’ ability. In our discussions with Mr. Dodd we have never felt rushed in our meetings or rushed into making decisions.
We have no concerns in raising questions with Mr. Dodd regarding our financial affairs. If he does not have the information to hand Mr. Dodd will readily ‘get back’ to us about the matter.
Professional Development
We are aware through our meetings with Mr. Dodd that he is very keen to keep abreast of current developments in the financial sector. Through discussion it evident that Mr. Dodd is also keen to obtain further financial qualifications and it is reassuring that he has done this throughout his career.
He has studied for and obtained BSc (Hons) and has qualifications to be a Chartered Financial Planner.
This personal development gives the consumer confidence in the advice that he has to offer.
Personal
Mr. Dodd has many likeable qualities that help him in his work. He has a happy outgoing personality and a sense of humour. He is a very personable man and immediately puts you at ease in discussions on financial matters.
We have no hesitation in recommending Mr. Dodd as an adviser for financial affairs.
Gareth - Retired -
February 9, 2015
Where to find us
Suite G2, Seven Hills Business Centre, 2 South Street, Morley, West Yorkshire, Leeds, LS27 8AT
Contact usAbout us
The partners of Heritage are both chartered financial planners who each have over 10 years experience of advising clients. We have specialised in retirement planning as well as in depth portfolio management for clients for many years.
Our services
We specialise in providing holistic professional advice for clients and dedicate a lot of our time and resources to the investment solutions we offer. Our clients can choose from a range of servicing options to have their portfolios reviewed as frequently as every three months for those who prefer to have their finances very closely monitored, our clients value the extra time and resources we dedicate to managing their money.
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