Harvest Associates Ltd
Get a consultation
Harvest Associates is a family run business that specialises in providing independent financial advice. Established in 2003 and now with over 40 advisers, we hold a strong presence in Yorkshire and Derbyshire but offer our services nationwide.
Our independent status provides us with flexibility to recommend a wide range of financial products and services from various providers, ensuring that our advice is tailored to the specific needs of our clients. This independence is key in providing objective guidance, free from the influence of specific financial institutions.
I myself am a 32 year old, married with a child so I understand what life is like with a little one.
I can provide advice on the following areas –
- Mortgages
- Protection
- Pensions
- Savings & Investments
- Private Medical Insurance
- Corporate Planning and Commercial Finance
- Inheritance Tax
For a full synopsis of your area of topic please see below.
Mortgages: Helping to ensure that our clients have the most suitable method of buying their home. As we navigate through the cost of living crisis, finding the cheapest available mortgage is more crucial than ever. We have saved families thousands of pounds through our independent mortgage advisory services. We engage with the banks from start to completion to ensure the process is seamless and hassle free for our clients. We can help with purchases, remortgages, product transfers and buy to let mortgages.
Protection: What would happen to your income and family if you weren’t able to work? Would you be able to pay your mortgage and provide for your family? We offer advice on a range of protection policies which are essentially an insurance policy taken out to protect against death/illness/bad health. This helps to ensure that the death or illness of an income provider in your family or the keyperson in a business does not result in financial loss or hardship.
Pensions: The earlier you start saving for retirement, the more time your investments have to grow. Compound growth plays a significant role in building a substantial retirement fund. We assist in helping you achieve your retirement goals so you can spend more time with your family. We manage our clients pensions to ensure their money is working as hard as it can to preserve funds for retirement.
Savings: We can assist you secure the best returns for your hard-earned savings, planning the most tax efficient method of achieving future financial goals.
Investments: Have you sold an asset or inherited some money and are wondering what to do with it? We help individuals, businesses and trustees build investment strategies that take into account their individual objectives, attitude to risk, and the current taxation criteria and advise the most suitable results. Our independence is again pivotal here as we can recommend funds across the whole of market to ensure your money continues to accumulate wealth for your family.
Private Medical Insurance: Are you frustrated with NHS waiting times? Do you want to ensure that you and your family are protected should they need to access care. We offer advice on private medical insurance policies to ensure that you and your loved ones can access the very best standard of care, quickly.
Corporate Planning & Commercial Finance – Do you run a company and wish to protect your interests from unforeseen circumstances? Are you looking to expand and raise finance to support the growth of your business. We can help in securing the best solutions.
Inheritance Tax – If you are worth more than £325,000, Inheritance Tax of 40% might be due on your estate when you die. We work alongside solicitors, by the use of trusts and wills to help reduce or eliminate this problem. Rising house prices have meant that more and more people are becoming liable for this tax.
The value of your investment can go down as well as up and you may not get back the full amount invested. These investments do not include the same security of capital which is afforded with a deposit account.
Your home may be repossessed if you do not keep up payments on your mortgage.
Get a consultation- Insurance & protection
- Pensions & retirement
- Mortgages
- Financial planning
- Investments
- Savings
- Tax & trust planning
- Business
CII RQF level 4 Diploma in Regulated Financial Planning
Independent Financial Adviser
Peter McFarlane
Independent Financial Adviser