It's our mission to improve the lives of every single client we work with, helping them to realise the dream of financial freedom - we'd love to do the same for you.
You might be thinking...
How much should I be saving or investing each month?
Am I making the most of my tax allowances?
I don't have a clear view of all my investments and pensions.
How will financial decisions I make today affect my long term future?
What are the rules on my Lifetime Tax Allowance?
When can I retire and with how much?
We can answer all these questions (plus ones you've not even thought of yet) and guide you on every step of your path to financial freedom.
An initial consultation with one of our experienced independent financial planners is FREE and will help you secure your financial future.
We cover Buckinghamshire and the wider area...
We’re independent and directly authorised by the FCA, which means we’re not tied to one product provider. We offer unbiased and unrestricted advice based on a comprehensive and objective analysis of your financial situation and the currentmarket.
We’re free from any restrictions that could affect an advisers’ ability to recommend what’s best for you.
Our dynamic and ambitious team are unlike most financial adviser firms you’ll find in the UK.
Why choose Herbert & Webster?
With Herbert & Webster you're not just a number, each clients' financial situation and aspirations are unique; we take the time to understand your aims, objectives and priorities, then through cashflow planning, craft your bespoke investment strategy that aligns with your aspirations.
The starting point and our guiding light is cashflow planning. We’ll illustrate your current financial situation and review how your investments are performing, then showcase potential future situations by modelling different investment and income scenarios, based on your objectives and appetite for risk.
Access to the whole of the market:
As a fully independent and directly authorised chartered firm we have access to all platforms and investment vehicles; from our unbiased standpoint we can recommend the most appropriate and tax efficient investments with your best interests at heart. Private banks can only recommend their own investment products; this restriction means you could be missing out on more suitable and effective investments.
To get the best results for you, we work with your accountant and solicitor to ensure your estate, streams of income and investments are structured in the most tax efficient way. Integrating all aspects of your financial affairs allows us to create a robust financial plan for your future, it’s our version of a family office style, which we call Guardian.
We’re with you every step of the way. At our annual review meeting we’ll look back at the previous 12 months to analyse performance and returns but more importantly look to the future ensuring we’re on the right track to achieve your financial goals. Of course, we’re only ever a phone call away should you like to discuss changes on a more regular basis.
Chartered firm & proven track record:
Only 17% of IFAs in the UK are Chartered and we’re directly authorised by the FCA. Our team looks to create long term relationships; the number of client referrals we receive is testament to this and the outstanding service we provide.
Our 6 step process to financial secure your financial future:
We offer an initial meeting FREE of charge. This will usually be at one of our offices or by phone or video call
Getting to Know You
We discover your goals and objectives which is made even simpler with the use of our online Personal Finance Portal (PFP)
Research & Planning
We'll create a detailed cashflow forecast which will help you visualist your financial future.
We will make our recommendations based on your current and future financial situation and life goals
Should you accept our recommendation, we will implement your bespoke financial plan
We will monitor your progress towards achieving your goals and help keep you focused on reaching your objectives.
Unlike a lot of firms, we like to be open and honest about our fees, so below you'll find a clear overview of our charges.
First off, we'll see if we are a good fit for each other, if we are then we'll set up an initial meeting which is also complimentary.
Financial Planning Service Fee
Only payable if you do not proceed with our implementation process.
The first £400,000 - 3%
Funds above £400,000 - 0.5%
We charge 3% on the first £400,000 of new assets under management and 0.5% on any additional funds above this amount.
Implementation fee is a minimum of £2,500
Ongoing Service Fee
Our ongoing service is 0.5% of funds under management
Fees are subject to a minimum of £2,000 per year.
Book your FREE initial conversation now...
We believe we offer an exceptional service with an extremely competitive fee structure.
Book your FREE initial consultation and we can share how we can assist you and explain our fee structure.
Call 01494 937400 or complete the form below.