Find the answers to our most frequently asked questions, or contact us if you can’t find the information you’re looking for.

Where are meetings held?

We prefer to hold meetings in one of our offices but we can be flexible when circumstances and/or geography dictate.

For HDA Workplace clients, we tend to meet at your employer’s premises.

Do you have parking?

We have ample off-road parking at both offices.

Do I have to pay for an initial meeting?

No, the initial meeting is at our expense. We won’t charge you to simply find out if we can help you. The initial meeting is a chance for us to see if we can add value to your circumstance, and for both of us to get to know each other better.

What do I need to bring to an initial meeting?

The first meeting is about getting to know each other, your story and what you want the next chapter to look like. Having details or existing pensions, investments and protection plans can be helpful, but it’s not essential.

How long should I allow for an initial meeting?

An hour is usually long enough for an initial meeting.

Do I have to sign up to your services at an initial meeting?

Not at all. We’d prefer you to go away after our meeting and consider what we have discussed.

How can I book an initial meeting?

Just get in touch via our website, by phone or by email.

Are you independent?

Yes. We believe this is the best option for our clients. We are free to source the best products and funds to suit you and your requirements. We work for you and represent you.

Are you regulated?

Yes, we are directly authorised by the Financial Conduct Authority (FCA). You can find our entry on the FCA register by clicking here.

Can you advise on Final Salary/Defined Benefit transfers?

No, we do not agree with the FCA approach to Final Salary/Defined Benefit transfers and so we have reluctantly withdrawn from this area of advice.

What happens if my Financial Planner is away on holiday?

All our planners have a support team to deal with administration and enquiries. If advice is required, one of our other planners will be able to access your records and provide the assistance you need.

What do you charge for a financial plan?

The cost of a financial plan will vary depending on the complexity of your situation, and therefore the amount of work required. We will explain our fees in our initial meeting, and all fees will be discussed and agreed before any work is undertaken.

Do you take a percentage or are your fees fixed?

Our initial fees are agreed with you in advance and are based on the nature and complexity of the planning required. We do not charge percentage fees.

Do you get commission?

Many insurance products still offer commission. We will only accept commission on these products if agreed with you to offset our fees.

Do you charge VAT?

Our fees are not usually subject to VAT.

What is HDA Workplace?

HDA Workplace provides financial advice services for employers, in particular, the management of Group Private Pension (GPP) Schemes. For more information see Are you an employer?

HDA Workplace runs my employer’s Group Pension Scheme – where do I access information about my pension?

Please request the portal login details from your employer.

How do I cancel my ongoing service agreement with you?

You may terminate our authority to act on your behalf at any time. Notice is required in writing and will take effect one calendar month from the date of receipt. For further information please refer to our latest Client Agreement.

How do I make a complaint?

If you have a complaint about the advice you receive from us, or about a product that you have bought from us, please write to the Compliance Officer at our Head Office in Cheltenham. For further information please refer to our latest Client Agreement.

Contact us

If you have a query or would like to arrange a no-obligation consultation at our cost, please complete the form and we’ll get back to you very soon.