Howard Worth Independent Financial Management

Independent Financial Adviser Howard Worth Chartered Accountants, Drake House, Gadbrook Way, Gadbrook Park, Rudheath, Cheshire, Northwich, CW9 7RA

First meeting at adviser's own cost

Response rating

7.0/10

17th December 2018

We provide tailored Independent Financial Planning solutions. We guide our clients to achieve financial security through informed decision making.

We can advise you on

Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Financial planning
- Wealth management
Long term care
- Long term care

Meet our advisers

Catrina Walker-Jones

Chartered Independent Financial Adviser

Qualifications & Accreditations Hide qualifications

CMLIBF - Chartered Member of the London Institute of Banking & Finance

Having achieved the IFS Level 6 Diploma in Financial Advice, 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.

Diploma In Financial Planning (CII)

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

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.

David Glaister

Independent Financial Adviser

Paul Galley

Independent Financial Adviser

Qualifications & Accreditations Hide qualifications

CFP - Certified Financial Planner Licence (IFP)

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

G60 - Pensions (CII)

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

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.

Michael Doherty

Partner

Qualifications & Accreditations Hide qualifications

AFPC - Advanced Financial Planning Certificate (CII)

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

G60 - Pensions (CII)

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

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.

What our clients say

Our advisor Paul Galley has been fantastic. He has done everything he said he would in a very friendly and timely manner.

Will, Cheshire

David is very personable and approachable, more facts less jargon than competitors who pitched for the business. Happy with the decision to date

Paul, Shropshire

Catrina Walker-Jones has always advised me very well and with consideration of all the family issues. 2018

Ann, Cheshire

Once again I would like to thank Paul for his advice and this is reflected in his feedback. 2017

Susan, Cheshire

Very satified, thank you Paul for the prompt service. 2017

Carol, Cheshire

Reassuring dealing with Catrina July 2017

Maureen, Manchester

Very happy with our Advisor and have confidence her to protect my interests. April 2017

Mrs G, Cheshire

We would like to thank David for his kindess and professionalism in dealing with our investment needs.

Mr and Mrs H, Cheshire

With thanks to David for his independent financial advice to me, a very cautious investor.

Elizabeth, Manchester

Very happy the the service provided by David. Client of 1 year

Gavin, Surrey

Well pleased with everything, any problem and Catrina is always at the end of the phone to help us. Client of 10 years

Helen, Cheshire

I am very pleased with all aspects of the advice given by Paul.

Phillip, Cheshire

We feel comfortable dealing through our adviser David and will continue to use him as more of our assets become available. 10 January 2016 - Client of 1 year

Colin, Cheshire

Catrina gives us constructive advice and makes us feel confident that we are making the right decisions. Over the years she has pointed us in the right direction 9 February 2015 - Client of 10 years

William, Merseyside

Where to find us

Howard Worth Chartered Accountants, Drake House, Gadbrook Way, Gadbrook Park, Rudheath, Cheshire, Northwich, CW9 7RA

About us

We are a firm of Chartered Accountants and Chartered Financial Planners, with offices in Northwich and Nantwich. We pride ourselves on providing a personal service to clients with a range of experience and expertise. Howard Worth Independent Financial Management offers holistic financial planning specialising in portfolio management, protection and corporate issues.

We offer a free, initial, no obligation meeting, to help you decide whether you would like to work with us, and we always base our recommendations on thorough discussion and a clear understanding of your circumstances and goals.

Our services

By understanding you and your circumstances, we can support you with your immediate financial needs and help you to plan for future changes in circumstances, including preparing for retirement and inheritance tax planning. We are able to assist with the complicated changes to pension freedoms.

Compliance

We will require you to provide a current driving license or passport with a utility bill or bank statement to identify you at our initial meeting. As a firm we are subject to the Money Laundering Regulations 2007 must put in place systems and controls to prevent and detect money laundering.

We can advise you on

Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Traded endowment policies
- Unit trusts
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- National savings
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Financial planning
- Wealth management
Long term care
- Long term care

Advice methods

Telephone
Face to face

Special offers

Choose an Unbiased exclusive special offer:

Preferred clients

Minimum wealth (income/assets)

£20,000

Minimum pension value

£20,000

Compliance

Contact options

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