Business Details
36 Years
experience
Independent Financial Planning Services in Hildenborough
Since 1990, we have dedicated ourselves to providing independent, client-focused financial planning services. Our approach prioritises your personal and professional goals, ensuring tailored strategies that align with your aspirations. With over three decades of experience, we combine cutting-edge technology with a human touch to deliver bespoke financial solutions. Our team of Chartered Financial Planners is committed to ethical standards, offering market-wide recommendations without provider obligations. We specialise in long-term relationship-based planning, supporting individuals, families, and businesses across wealth management, retirement planning, and corporate financial strategies.Our stability and expertise, rooted in a 30+ year legacy, ensure clients receive consistent, reliable guidance. We prioritise transparency, explaining complex financial concepts through accessible cashflow planning tools. Our ongoing service model adapts to evolving circumstances, maintaining relevance through regular plan reviews. This client-centric philosophy has fostered enduring partnerships, with many clients remaining with us for years. Our regulatory authorisation by the Financial Conduct Authority underscores our commitment to professional excellence and consumer protection.
Services
Financial Planning
Retirement Planning
Wealth Management
Business Financial Advice
Ongoing Support
Details
- Year established: 1990
Highlights and features
- We offer 30+ years of independent financial planning expertise
- Our Chartered Financial Planners provide market-wide, unbiased recommendations
- We combine advanced technology with personal, relationship-based service
- Our cashflow planning tools visualise financial futures clearly
- Regulated by the Financial Conduct Authority for professional standards
Associations and certifications
- Financial Conduct Authority
- Chartered Financial Planner
Services
Financial Planning
We create comprehensive financial plans aligned with personal and business objectives. Our process begins with understanding your aspirations through an initial consultation, followed by detailed fact-finding. Using sophisticated cashflow analysis, we develop tax-efficient strategies covering investments, pensions, and protection. This service ensures your financial resources support your lifestyle goals while adapting to changing circumstances over time.
Retirement Planning
Our retirement specialists assess pension provisions and savings strategies to determine retirement readiness. We evaluate whether current arrangements will sustain desired lifestyles, recommending adjustments to investment portfolios or contribution levels. The service includes tax-efficient withdrawal planning and estate planning considerations to maximise legacy potential while ensuring financial security throughout retirement years.
Wealth Management
We help clients grow and protect wealth through diversified investment strategies. Our approach considers risk tolerance, time horizons, and financial goals when constructing portfolios. Regular reviews ensure investments remain aligned with market conditions and personal circumstances. The service includes tax mitigation strategies, inheritance tax planning, and protection against unexpected events that could impact financial security.
Business Financial Advice
We support business owners with succession planning, corporate finance strategies, and personal wealth integration. Services include pension scheme optimisation for business owners, tax-efficient profit extraction, and contingency planning. Our approach coordinates business and personal financial objectives, ensuring financial security for both professional and personal aspirations while navigating complex regulatory requirements.
Ongoing Support
Our continuous support service maintains plan relevance through regular reviews. Annual meetings assess progress towards goals, with adjustments made for life changes or market shifts. Clients receive dedicated adviser access for interim queries, ensuring timely responses to emerging needs. This service maintains long-term financial direction while incorporating new opportunities or addressing potential risks proactively.
People
Ray Tuffield
Founder and Managing Partner
With over 30 years in financial services, Ray established Courtney Havers in 1990. He leads our team in delivering independent advice, focusing on long-term client relationships. His expertise spans wealth management and retirement planning.
Claire Hobbs
Chartered Financial Planner
Claire specialises in comprehensive financial planning, holding the prestigious Chartered Financial Planner designation. She helps clients achieve financial security through tailored strategies, focusing on tax efficiency and long-term wealth preservation.
Ben Buhagiar
Chartered Financial Planner
Ben provides expert financial guidance with a focus on retirement planning and investment management. As a Chartered Financial Planner, he combines technical knowledge with practical solutions for clients' financial challenges.
Matthew Webb
Financial Planner
Matthew assists clients with wealth management strategies, specialising in cashflow planning and pension reviews. He helps individuals understand their financial position and develop achievable plans for future security.
Matt Tuffield
Financial Planner
Matt focuses on creating tailored financial solutions for individuals and businesses. His approach combines technical expertise with clear communication to help clients navigate complex financial decisions confidently.
Questions
What is financial planning?
Financial planning creates strategies to achieve life goals through proper management of resources, covering investments, pensions, protection, and tax efficiency tailored to individual circumstances.
Are you independent financial advisers?
Yes, we are fully independent with no provider ties, offering unbiased recommendations from the entire market to suit clients' specific needs and objectives.
Do I need to pay for an initial meeting?
No, our initial consultation is free with no obligation, allowing you to explore whether our services match your financial planning requirements before committing.
How do you charge for your services?
We provide clear fee explanations before starting work. Charges vary by service complexity, with options for one-off advice or ongoing support arrangements.
What qualifications do your advisers hold?
Our team includes Chartered Financial Planners, representing the industry's highest standards, with ongoing professional development to maintain technical expertise and regulatory compliance.
Can you help business owners with financial planning?
Yes, we specialise in integrating business and personal financial planning, addressing succession strategies, corporate finance solutions, and tax-efficient wealth management for business owners.
Reviews (7)
Rob Shorrick
Dec 20, 2021
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I have been advised by CH for several years now. They offer excellent advice and thorough support. This is a very professional and knowledgeable Financial Adviser that puts their clients needs first. We work directly with Ben Buhagiar who is exceptional, thank you.
Ana Green
Sep 02, 2021
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I had an initial meeting with Ben Buhagiar about my pension arrangements following a recommendation from a close friend. I found Ben to be both approachable, informative and patient! He explained and presented things in a way that enabled me to more easily understand what can be quite an overwhelming subject.
Rdw Pwp
May 31, 2021
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We have been family clients of Courtney Havers for about 16 years. All the team have been equally responsive and professional in the way they have advised and supported us on all our pension matters. Our current advisor, Ben Buhagiar, has maintained that excellent level of client service and we have no hesitation is recommending him to anyone seeking professional pensions advice.
Kevin Sutcliffe
May 26, 2021
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Have used Courtney Havers for over 20 years - always more than satisfied. My current adviser, Ben Buhagiar, has been brilliant, using a robust process to identify needs, assess risk appetite and create the ideal investment strategy. All with a friendly manner that de-mystifies any technical terms. I trust this firm totally and Ben has provided priceless support during what has otherwise been an extremely testing time for me. Worth every bit of his fee, and more. Thank you!
Sara Hanna
Mar 23, 2021
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I have used Claire Hobbs at Courtney Havers to advise me on financial matters for more than eight years and have been delighted with the way Claire works which is plain speaking and clear. I have always had confidence that my finances are in a safe pair of hands. I would not hesitate to recommend the firm and particularly Claire and have already done so on several occasions with others being as equally satisfied as I am.
Alex Kadinopoulos
Jan 05, 2021
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I have been using Courtney Havers for about 10 years, primarily for pension planning purposes. Throughout this period, the same firm consultant has been my main contact, providing a consistency of service and a valuable sense of personal service. Advice has been tailored to my needs and follow-up on decisions made has been prompt and effective. I am extremely satisfied with the advice and service I have received from Courtney Havers over the years.
Tracy P.
Nov 20, 2020
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First class service by all members of the team, especially Claire, who has been so patient with us explaining all the various options with regards to our various investments and pensions. Regular updates, and nothing is ever a problem - you definitely feel like you are in good hands. Always a delight to see Claire, and have no hesitation in recommending Courtney Havers - you will not be disappointed with the top notch level of service you will receive.
