Plain figures first
We begin with income, outgoings, and existing wrappers before discussing funds or platforms. If the cashflow does not support a contribution, we say so.
About the practice
A coastal-office firm with a UK-wide brief
Blue Haven Financial Advisory was founded to give households and owner-managers a place to bring unfinished money questions — pensions left from old employers, ISA contributions delayed each April, and remuneration choices that never quite settled.
Origin and working approach
The practice began in Northern Ireland after years spent inside larger advice firms where product targets crowded out the quieter work of reading scheme booklets and cashflow worksheets. Blue Haven keeps a small client list so that fact-finds remain thorough and recommendation letters stay specific to the household in front of us.
We favour written advice over verbal-only recommendations. Every paid engagement ends with a letter you can revisit months later — useful when a pension transfer window closes or when an accountant asks why a contribution was timed for a particular tax year.
How we relate to clients
Fee clarity
Fees are agreed in writing after discovery. We do not take commission on products recommended; introductions to specialists are disclosed.
UK tax context
Advice assumes UK tax residence unless you tell us otherwise. Cross-border situations are referred to suitably qualified colleagues.
Credentials and remit
Advisers at Blue Haven hold UK retail investment advice qualifications appropriate to pensions, ISAs, and general investment. We do not provide regulated mortgage advice or consumer credit broking. Where a defined benefit transfer requires specialist permissions beyond our panel, we introduce a qualified transfer specialist rather than stretch the engagement.
See how engagements unfold