Business Details
11 Years
experience
Trusted Financial Advisers in Boston Spa
Harris IFA is a Chartered Financial Planning firm based in Boston Spa, Yorkshire, serving clients across the UK. Regulated by the Financial Conduct Authority, we specialise in pensions, investment advice, mortgages, life insurance, and wealth management. With over 20 years of experience in financial markets, our founder Matthew Harris previously worked as an investment manager for firms like Scottish Widows and Standard Life, managing assets exceeding 1.5bn.Our independence from financial institutions allows us to offer unbiased advice focused on low-cost, high-value solutions tailored to individual client needs. We prioritise transparency, client education, and ongoing support, as evidenced by testimonials highlighting our expertise, responsiveness, and commitment to client satisfaction.
Services
Pensions
Investment advice
Mortgages
Life insurance
Wealth management
Buy to let
Retirement planning
Tax efficiency
Inheritance tax
Portfolio management
Details
- Year established: 2015
Highlights and features
- We are completely independent and not tied to any financial institution
- 20+ years of hands-on investment management experience
- Ongoing investment advice from 0.2% of assets annually
- Transparent fee structure with no hidden charges
- Regulated by the Financial Conduct Authority (FCA no. 603653)
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Highly recommended
Very helpful
Efficient and professional
Sound advice
Services
Pension advice
We provide comprehensive pension advice including consolidation, tax efficiency, and retirement income planning. Our FCA-regulated services focus on minimising charges while maximising returns through tailored strategies. With expertise in defined contribution pensions valued at 100,000+, we offer ongoing management with fees from 0.2% annually. Our Chartered Financial Planners combine 20+ years of market experience with transparent, client-focused solutions.
Investment advice
Our investment advisory services cover 200,000+ portfolios, focusing on low-cost diversification and tax optimisation. With expertise managing 45m in client assets, we design portfolios matching individual risk profiles while maintaining total costs between 0.65%-0.95% annually. Our approach combines hands-on market experience with regular performance reporting and fund recommendations aligned with changing economic conditions.
Mortgage advice
We offer independent mortgage advice for residential and buy-to-let properties, specialising in complex cases and first-time buyers. With access to the entire market, we secure competitive rates with fees waived for mortgages over 150,000. Our FCA-regulated service includes application processing, decision-in-principle acquisition, and solicitor recommendations, with initial offers often secured within 24 hours.
Life insurance
Our life insurance services focus on critical illness cover, income protection, and inheritance tax planning. We review existing policies for cost-effectiveness and recommend market-leading solutions without charging arrangement fees. Our independent advice considers whole-of-market options to ensure appropriate coverage at competitive rates while placing policies in trust for tax efficiency.
Wealth management
We provide holistic wealth management for portfolios exceeding 200,000, addressing tax efficiency, inheritance planning, and multi-asset diversification. Our services include capital gains tax mitigation, pension allowance optimisation, and trust structuring. With combined investment experience managing 1.5bn+ in assets, we deliver tailored solutions through low-cost platforms with transparent fee structures starting at 0.2% annually.
People
Matthew Harris
Chartered Financial Planner
Matthew has 20+ years' experience in financial markets, including roles at Scottish Widows and Standard Life managing 1.5bn+ in assets. A Chartered Insurance Institute qualified adviser, he specialises in pensions, investment management, and mortgage solutions while maintaining FCA regulation compliance.
Questions
Are you truly independent financial advisers?
Yes, we are completely independent and not tied to any banks, insurers, or fund providers. This allows us to recommend the lowest-cost, highest-value solutions without conflicts of interest.
How do your investment fees compare to industry standards?
Our fees range from 0.2%-0.5% annually, significantly below the 1.5%-2.5% industry average, with total portfolio costs typically 0.65%-0.95% including fund and platform fees.
Can you help with final salary pension transfers?
Yes, we provide expert advice on defined benefit pension transfers, including comprehensive analysis of financial implications and FCA-regulated execution of complex transfers.
Do you offer mortgage advice for complex cases?
We specialise in challenging mortgage cases including self-employed applicants, credit issues, and buy-to-let portfolios, with access to specialist lenders unavailable through high street banks.
How do you ensure ongoing service quality?
We provide regular portfolio reviews, market updates, and proactive tax efficiency recommendations while maintaining continuous professional development to stay current with regulatory changes.
What minimum investment amounts do you require?
We require minimum investments of £200,000 for wealth management services and £100,000 for pension advice to ensure we can deliver our specialist services effectively.
