The financial world has become very complex and we believe it is imperative that our recommendations are explained and solutions delivered in an uncomplicated way.

Although we are happy to assist with one-off pieces of advice and transactions, we believe that creating a strong adviser-client relationship is key to providing long-lasting appropriate professional advice.

Graham has built up a multitude of skills in the financial arena, being both a financial adviser and chartered tax adviser. With over 30 years experience in the financial services industry, his practical knowledge, experience and client service has been gained and honed through years of study and roles at firms of accountants, solicitors and private banks, both locally in Tunbridge Wells and London. He continues to serve clients of all ages across the whole financial spectrum.

In addition to the usual advisory areas, such as pensions, investments and protection insurance, Graham also has the status of a later life adviser and is additionally authorised to advise in matters relating to equity release and long term care, particularly in relation to the elderly or those who find themselves in circumstances that could make them vulnerable.

Graham’s particular set of skills become evident when building a picture of a client’s financial planning needs, which is unique to each client’s circumstances and encompasses all areas of finances. The variety of client wishes could be an immediate need or long term inter-generational planning; or anywhere in between. Graham has a passion for all things financial and is particularly keen to assist clients build and maintain the wealth they have created, especially through inheritance tax planning and the use of trusts.

At Harmer Financial Services we use state-of-the-art technology, enabling us to meet all of our client’s financial needs, both personally and corporately, and achieve their objectives in the most cost-effective way.

This is important because there are literally thousands of different options available, and our clients want to be certain that any recommendations that we present for consideration are the most appropriate to their individual needs.

In other words, recommendations that are totally in our clients’ interests – not someone else’s.

Our initial meeting is usually without charge, after which we provide in writing a full explanation of costs. We do nothing until we have a thorough understanding of our clients’ requirements.

With that knowledge, we can identify the planning that will enable our clients to achieve their goals, delivered by an entirely personal service. We then prepare and analyse recommendations, assessing benefits against cost.

Our final proposals are well-researched and constructed on the basis of what is best for our clients and nobody else. When appropriate we of course are prepared to work alongside our clients’ accountants and solicitors.

We firmly believe in the importance of working together to build rewarding relationships, and working closely with our clients enables us to help them fulfil and achieve their objectives.

As you will gather throughout our website, we are passionate about finance. As a company, 10% of our gross profits are donated each year to support charities that assist those struggling to control their finances and to help them re-gain that control. CAP UK helps people do just this (https://capuk.org/ By clicking on this link you will be departing from the regulated site of Harmer Financial Services Limited.  Harmer Financial Services Limited is not responsible for the accuracy of the information contained within any linked site.) and we happily support their work. Graham Harmer has been trained as a CAP Money Coach and thoroughly enjoys running CAP Money courses that provide a guaranteed way to re-gain monetary control and never get into debt again.