Chartered Wealth Management

Retire on your
own terms.

For over two decades, Harbour Wealth has helped families plan their retirement, protect their pensions and pass on what they've built — with clarity, patience and unhurried, jargon-free advice.

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★★★★★ 4.9 / 5 from 380+ retired & pre-retirement clients
A warm wealth adviser meeting a happy mature couple about their retirement in a calm, premium office
22 yrs
Guiding retirements
£640m+under our care
Chartered Financial Planners FCA Regulated Independent & Whole-of-Market Fixed, Transparent Fees
£0m+
Assets Under Care
0+
Families Advised
0
Years Established
0%
Client Retention
What We Do

A whole financial life,
looked after in one place

From the first pension contribution to the legacy you leave behind, we bring every thread of your finances together into one calm, coherent plan.

Retirement Planning

A clear, sustainable income strategy for the life you actually want — modelled, stress-tested and reviewed every year.

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Pension Advice

Workplace, personal and SIPP arrangements consolidated, optimised and tax-efficient — including careful guidance on transfers.

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Investment Management

Diversified, evidence-based portfolios built around your goals and your comfort with risk — never around fashion.

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Estate & Legacy

Inheritance-tax planning, trusts and gifting strategies so more of what you've built reaches the people you love.

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Later-Life Care

Sensitive, specialist advice on funding care, powers of attorney and protecting a partner's future security.

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Family Wealth

Multi-generational planning that brings parents and children to the same table — and keeps wealth working across decades.

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A happy, relaxed mature retired couple walking outdoors together
Plan once, sleep easyReviewed with you every year
Why Harbour Wealth

Advice that holds steady through every tide

Markets rise and fall; governments change the rules. What stays constant is a plan built around your life, and an adviser who actually picks up the phone. We're independent, whole-of-market and answerable to no one but you.

  • One dedicated adviser

    The same chartered planner from your first meeting onward — no call centres, no hand-offs, no jargon.

  • Transparent, fixed fees

    You'll always know exactly what you pay and why. No hidden commissions, no surprises buried in small print.

  • Plans you'll understand

    We translate the complicated into the clear, so every decision is yours to make with confidence.

How We Work

A calm, four-step path to clarity

01

Discovery

An unhurried, no-obligation conversation about where you are today and what you want retirement to feel like.

02

Your Plan

We model your future cash-flow, stress-test it against the bad years, and present a plan in plain English.

03

Implementation

We put the plan to work — consolidating, optimising and arranging everything on your behalf.

04

Ongoing Care

Annual reviews keep your plan on course as life, markets and the rules inevitably change.

James Aldridge, founding chartered financial planner at Harbour Wealth, with a warm smile
James AldridgeFounder, Chartered FP
Meet Your Adviser

"Good advice should feel like a weight lifting, not landing."

James founded Harbour Wealth in 2004 after a decade in the City, convinced that families deserved advice given at the kitchen table, in language they could trust. Today he leads a small team of chartered planners who share that belief.

Whether you're five years from retiring or already there, James and the team offer steady counsel, honest answers and the patience your life's savings deserve.

Talk to James → See How We Help
Kind Words

Trusted at life's biggest decisions

★★★★★
"Harbour Wealth turned a folder of pensions I didn't understand into a single, simple plan. For the first time, I know exactly when I can stop working."
M
Margaret & Roy H.Retired, Surrey
★★★★★
"James was honest about the things I didn't want to hear, which is exactly why I trusted everything else he told me. Calm, clear and genuinely on my side."
D
David OkonkwoPre-retirement, London
★★★★★
"After my husband passed, the estate felt overwhelming. The team handled everything with such kindness and care — I never once felt rushed or sold to."
P
Patricia LindqvistEstate planning client
The calm, premium interior of the Harbour Wealth office
The Boathouse, RichmondRiverside, by appointment
Our Home

A quiet room to think clearly about money

Our riverside offices were designed to feel nothing like a bank. Soft light, warm wood and good coffee — a calm place to lay out your whole financial life and decide, without pressure, what comes next.

  • Time, never the clock

    First meetings run as long as they need to. We'd rather understand you fully than fill a diary.

  • In person or virtual

    Meet us riverside, or from your own kitchen table by secure video — whatever suits your week.

From the Journal

Notes on planning
for the long term

All Articles →

Begin the Conversation

Your retirement deserves a real plan

Book a complimentary, no-obligation review. We'll listen, look at where you stand, and tell you honestly whether we can help.

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