Investments • Pensions • Mortgages • Protection
Investments • Pensions • Mortgages • Protection

This is how we work and what you can expect when we deal with you




Howarth Financial are committed to providing the highest standard of financial advice possible. As a firm, we take very seriously the requirements of our regulator, the Financial Conduct Authority; in particular, the requirement to treat our clients fairly.


  • We strive to do this in all that we do.
  • We undertake that all of our actions will be guided by the principle that the interests of our clients are paramount.
  • Our systems and procedures are designed to place our customers at the heart of our business.


In our dealings you can expect that:


  • We will show flexibility, empathy, consideration and not take advantage of you.
  • We will offer you the best products and services that we can.
  • We will communicate clearly with you and without the use of jargon.
  • We will not place our interests above yours.
  • We will strive to give you what you have paid for and inform you of charges before they are incurred.
  • We will do our best to resolve any mistakes as quickly as we can.


As examples of how the principles and guidelines mentioned above work in practice in our business, we set out below details of what you can expect from us in various areas of our business.


When we give you advice


  • We will only recommend suitable investments and other products after finding out sufficient information about your circumstances to be able to advise you properly.
  • Our advice will be guided only by what is best for you.
  • We will set out in writing and in clear, concise terms why we have recommended any particular investment, product or service.
  • We will inform you in advance of our charges and how these should be paid. 
  • In the event that there is a conflict of interest between us we will tell you about this as soon as possible after we become aware of this.
  • We will keep comprehensive records of our dealings with you and will record your attitude towards risk.
  • Where appropriate, and where agreed between us, we will monitor your investments and other financial products and contact you to let you know how they are doing.


When we deal with you


  • When you contact us you can expect that we will be polite and courteous.
  • All of our staff are trained in dealing with our clients and in treating them fairly.
  • When we write to you we will be clear and straightforward; we will try not to use jargon and technical terms. We will be happy to discuss or clarify any matter.


Our service


You can expect that all our staff are trained properly for their roles. James Howarth is a qualified financial adviser and is fully trained in respect of the investments and products he advises on.


If things go wrong


If you complain about any aspect of our service then you can expect that your complaint will be dealt with professionally, impartially and in accordance with the rules laid down by our regulator, the Financial Conduct Authority (FCA). We are insured as required by the rules laid down by the FCA.


We will provide details of our complaints policy and procedure on request.


We hope that you find using our services a pleasant and straightforward experience. We want you to feel relaxed and comforable when dealing with us - confident that you have made the right choice of adviser. We always welcome comments and observations about the way in which we deal with our clients and would encourage you to contact us if you have any comments on the way we deal with you.


Contact Us

12 Highview Avenue South




01273 700721

We would welcome a discussion with you to find out if we are able to assist you with your investment, pension, retirement, protection or mortgage requirements. 


Contact us for a brief, informal chat to see if we are able to work with you.

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