Howard Wright FAQs



Our FAQs

Please find below our most commonly asked questions regarding financial planning, our industry, and our service proposition.

If you have any questions that you would like to discuss with a member of our team directly you can phone us on 0345 688 4939 or email us at [email protected].

To book your free initial consultation with one of our Chartered advisers, you can call us on 0345 688 4939 or message us through our enquiry form here. We look forward to hearing from you and seeing how we can help.

Yes, you can purchase life cover through Howard Wright. Our team will discuss your circumstances, obtain your objectives enabling us to recommend the protection product or combination of products, that will work best to protect you and your family should the worst happen. To discuss your protection options with one of our Chartered advisers click here or call 0345 688 4939.

Yes, we do provide advice on Pensions, more specifically Personal Pensions, pension annuities, SIPP’s, SAP’S and drawdown. We advise on both accumulation and decumulation, including the phasing of pensions. To discuss your pension options with one of our Chartered advisers click here or call 0345 688 4939.

When choosing a financial adviser, you need to consider several factors.

  1. What do I need from my financial adviser?
    You may require an adviser who is a specialist in a certain area.
  2. How much are you looking to invest?
    Some firms have a minimum amount of investment to enable you to become a client of theirs. A good financial adviser can help you to understand what you need to invest to meet your financial objectives.
  3. Positive feedback is crucial when looking for a highly rated financial adviser as this will give you peace of mind. Look at reviews, positive feedback such as testimonials and client stories.
  4. Look at the structure of the firm, are they going to be around in the next 10 years? You don’t want your adviser to be retiring the year after you join them having to go through the process of looking for a new financial adviser all over again.
  5. Transparency – Is the adviser open and honest with what they are charging you. Make sure the adviser explains fully what they will be charging and how you will be charged, the last thing you want are hidden fees.
  6. Accreditation are they a Chartered firm, have they been given any industry awards such as the FT Adviser Top 100 status? Awards give you a great insight into how the firm is run and what its clients think of them.

This is one of the most common questions we are asked by our prospective clients looking for financial advice.

To answer this question, we take a holistic approach.

At the initial stages of working with new clients, we discuss your retirement objectives.

  • What do you want to do with your life after work?
  • Have you been saving for a retirement gift such as a holiday home, caravan, trip of a lifetime?
  • Do you want to help your children or grandchildren financially in the future?

All these questions contribute to the advice we give and allows us to answer the question of when you can afford to retire. To discuss your retirement with one of our Chartered Advisers click here.

The cost of advice will be dependent upon the areas of our services you require. Our initial consultation is free of charge and once we have an understanding of your objectives and requirements, the charges for the services you require will be provided in writing before any business is transacted.

Not everyone needs a Financial Adviser but, in most cases, a financial adviser can add invaluable knowledge that can not only save you money but also make you money.
Decisions such as retirement, purchasing a property, drawing your pension are all major financial decisions. It’s often said a professional opinion can be invaluable.

We are rated 5/5 on Google & Excellent on Trust Pilot with over 60 combined Five Star Reviews.

To read our Google reviews, click here.

To read our Trust pilot reviews, click here.

To see our client stories page, click here.

To learn the full history of Howard Wright so far, click here.

At Howard Wright, the key ingredient to our service is regular communication. We believe that to have a successful financial plan, regular reviews of your financial position and objectives are a must. This is to ensure you are always targeting your objectives as your financial position changes as you progress through life.

The earlier you start to plan for your future the greater your financial future will be.

After we leave school the world of finances quickly becomes part of everyday life. In most cases from the age of 18, you need to manage your own finances, credit cards, student loans, car finance alongside budgeting and learning about tax, savings & borrowing.

Once you have progressed further, the next priority is planning for the future. Therefore financial advice is so important when making life’s biggest decisions. It’s never too late to seek financial advice as getting the most out of your savings in later life is just as important as starting from a young age.

We have our very own Howard Wright Portal which we have been developing over the last 2 years.

The Howard Wright Portal is designed to enable us to communicate with our clients securely and efficiently. It also plays a key part in reducing our carbon footprint and gives clients access to the value of their investments 24/7.

A Chartered Financial Adviser is the gold standard of our industry and assures our clients that our advice is of the highest quality.

What makes us different to most financial advisers is our approach. We are a family run firm who have been providing financial advice since 1982 with a presence in the West Midlands for over 90 years. We work directly with our clients to achieve their financial objectives.

We believe that to have a successful financial plan it must be reviewed periodically.

Our Chartered status, the gold standard of our industry assures our clients that our advice is of the highest quality. We are also rated as one of the FT Advisers Top 100 firms for 2021 giving even more confidence to our current and prospective clients.


At Howard Wright, we provide financial advice to a wide range of clients from individuals, families and businesses.

A financial adviser is someone who works with you to achieve your financial objectives. A financial Adviser should provide advice to protect you and your family should the worst happen and implement a plan to enable you to have a successful retirement. They should also maintain regular contact with you and regularly review your financial plan to ensure it’s on track to achieve your objectives. A good financial adviser will also assess your entire financial position highlighting any additional areas for consideration such as Estate Planning.

At Howard Wright, we provide mortgage advice to our clients. Our team will work with you to establish what mortgage will suit you and your family the best, whether a fixed, capped or a variable rate product. To discuss your Mortgage options with one of our Chartered advisers click here or call 0345 688 4939.

“I have been looked after by Howard Wright for many years now and would say without any hesitation they have been excellent. Now retired, the advice I receive from Gareth Robinson in his updates and annual visits are invaluable. I would recommend them 100% without any doubt whatsoever”


Contact us

Call Us

Visit Us

6 Oaktree House
Oaktree Rise

Howard Wright Enquiry Form

Start planning your financial future today.

Call us on

0345 688 4939