Howard Worth Independent Financial Management

Independent Financial Adviser  Howard Worth Chartered Accountants, Rudheath, Cheshire, CW9 7RA
First meeting at adviser's own cost
We provide tailored Independent Financial Planning solutions. We guide our clients to achieve financial security through informed decision making.
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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Life insurance
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Payment protection insurance
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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 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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Stockbroking services
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Paul Galley
Independent Financial Adviser

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.

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.

Catrina Walker-Jones
Chartered Independent Financial Adviser

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.

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

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.

Richard To
Independent Financial Adviser

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

What our clients say
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
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
I am very pleased with all aspects of the advice given by Paul.
Phillip, Cheshire
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
Very happy the the service provided by David. Client of 1 year
Gavin, Surrey
With thanks to David for his independent financial advice to me, a very cautious investor.
Elizabeth, Manchester
We would like to thank David for his kindess and professionalism in dealing with our investment needs.
Mr and Mrs H, Cheshire
Very happy with our Advisor and have confidence her to protect my interests. April 2017
Mrs G, Cheshire
Reassuring dealing with Catrina July 2017
Maureen, Manchester
Very satified, thank you Paul for the prompt service. 2017
Carol, Cheshire
Once again I would like to thank Paul for his advice and this is reflected in his feedback. 2017
Susan, Cheshire
Catrina Walker-Jones has always advised me very well and with consideration of all the family issues. 2018
Ann, 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
Our advisor Paul Galley has been fantastic. He has done everything he said he would in a very friendly and timely manner.
Will, Cheshire
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.

Where to find us
Head office address: Howard Worth Chartered Accountants, Drake House, Gadbrook Way, Gadbrook Park, Rudheath, Cheshire, Northwich, CW9 7RA
Preferred clients
Minimum wealth (income/assets)
£20,000
Minimum pension value
£20,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 21st September 2020

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