Our office in Roydon sits right on the Hertfordshire border: the River Stort and the River Lea, which mark the county line here, are close by. That makes the towns of East Hertfordshire and the Borough of Broxbourne some of our closest neighbours, and we also work with clients elsewhere in the county by video and phone.
Financial planning in Hertfordshire
People search for a financial adviser, a financial planner or a wealth manager, and often mean much the same thing: someone who will look at the whole picture and help them make good decisions about their money. At The Wealth Manager, that picture usually includes:
- Pensions and retirement: reviewing what you have, deciding how much to save and planning how to draw an income. See pensions and retirement.
- Investments: building a portfolio around your goals and attitude to risk, and reviewing it over time. See investments.
- Protection: life, critical illness and income cover for you and the people who depend on you. See protection.
- Mortgages: buying, moving and remortgaging, arranged by our mortgage broker Kealy Ball. See mortgages.
- Business protection: key person, shareholder and partnership protection for business owners. See business protection.
What we mean by wealth management
Wealth management is not just for the very wealthy. For us it means bringing your pensions, savings, investments, protection and property together into one plan, so that each decision supports the others. A pension contribution affects your tax and your retirement date; a new mortgage changes how much life cover you need; an inheritance raises questions about investing and passing money on. Looking at these together is usually more useful than looking at them one at a time.
Before you invest, it is important to understand that the value of investments can fall as well as rise and you may get back less than you put in. We take time to understand your attitude to risk and never push you beyond it.
Our Hertfordshire towns
We have a page for each of the Hertfordshire towns closest to our office, each with information about the local area and the questions people there most often ask us.
Hertford
The county town. Public sector pensions, business owners and families.
Ware
Five questions worth asking about your finances.
Bishop’s Stortford
Mortgages and protection for movers, commuters and families.
Sawbridgeworth
Planning the move into retirement.
Cheshunt
Protection for the self-employed and small business owners.
Hoddesdon
Family foundations and help for local employers.
Broxbourne
A closer look at pensions.
Waltham Cross
Getting your money priorities in order.
Stanstead Abbotts
Seven myths about financial advice.
Stevenage
Making sense of your workplace benefits.
We also help clients in St Margarets, Great Amwell, Hunsdon, High Wych, Much Hadham, Wareside and the villages in between. If your town is not listed, please get in touch anyway.
Further afield in the county
If you live in the west or north of Hertfordshire, distance need not be a barrier. Booking online sets up a free Google Meet video call, and documents can be shared securely, so many clients work with us without ever needing to travel. If you would prefer a phone call or to meet in person, call 0333 011 5550 and we will arrange it.
How we work with Hertfordshire clients
- A free first conversation, by video, phone or in person, to understand where you are and what you would like to achieve.
- Fact-finding. If you go ahead, we gather details of your income, pensions, savings, property and existing cover.
- Recommendations in writing, explained in plain English, including the risks and any costs.
- Putting the plan in place, handling the paperwork with providers and lenders.
- Ongoing reviews, so your plan keeps up as your life changes.
Useful guides
If you would like to read up first, these guides are a good place to start: the value of retirement planning, investment overview and level term assurance. You can also reach us through our contact page.
Also near the county border
Essex
Our Essex towns, including Harlow, Roydon and Epping.
Roydon
Where our office is, just over the border.
Areas we cover
Every town and village we serve.
Speak to a Hertfordshire financial adviser
A first conversation is free and there is no obligation. Choose Laurence or Kealy, depending on what you would like to discuss.
Book a free first conversationImportant — the risks
The performance of your investments is subject to risk. Its performance may fluctuate based on movements in the market and economic conditions. Capital is at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of future performance. Tax treatment is based on an individual’s unique circumstances and may be subject to change.
A pension is a long-term investment — the fund value may fluctuate and can go down, and your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages, such as commercial buy-to-lets, are not regulated by the FCA.
Frequently asked questions
Are you based in Hertfordshire?
Our office is at Lynfield, Harlow Road, Roydon, Harlow CM19 5HH, in Essex, right on the Hertfordshire border. Hoddesdon, Broxbourne and Ware are all a short drive away.
What is the difference between a financial adviser and a financial planner?
The terms are often used interchangeably. In practice, good financial advice involves planning: understanding your goals and circumstances first, then recommending what fits.
Do you only work with wealthy clients?
No. We help people at every stage, from first-time buyers to those planning retirement.
Can I work with you if I live elsewhere in Hertfordshire?
Yes. Many clients meet us by Google Meet video call or by phone, wherever they are in the county or the rest of the UK.
Is the first meeting free?
Yes. Your first conversation is free and with no obligation.
Laurence leads on pensions, investments and business protection. More about Laurence.
Important: This page is general information about the areas we serve and the services we offer. It is not personal financial advice. For advice on your specific circumstances, please get in touch.