Feel at ease with approachable, independent financial planning

Matt is very professional and extremely helpful. I couldnt recommend more and whoever uses him will not regret it. Best wishes, Roger and Sandra Taylor

Thank you Ben for taking the time to talk through our saving and investment ideas and plans. We have followed all your advice and are happy now that we are making the most of our money.

I have had the pleasure of working with Ray, Matt and the Team at Courtney Havers LLP for over 10 years. Pensions and Investments can be a complete minefield but they have always explained everything clearly and ensured I fully understand all of my options before they gave me any recommendations. With any Government, changes are made to Taxation over the years, but I know Ray and Matt will be on top of these changes and are always prepared to change their recommendation in order I, the client, is best protected from any Tax changes. If it requires them to review and re-work their previous recommendation they will and they certainly go the "extra mile" to put their clients interests first. There is no "hard sell" or pressure to sign up and I have certainly not been given any deadlines that I must make a decision by. I relied heavily on Ray and Matt for their advise when I sold my business and had to transfer my Pension from a Company Scheme into my Personal name. They also advised what Investments, including Tax Implications, I should make with the proceeds from the sale of my Company ownership. As always, this was managed by Ray and Matt extremely professionally and they only considered what Investments would suit my own personal situation and I certainly never felt I was pressurised to invest until I was completely comfortable and fully understood why the advise was given. I would highly recommend Courtney Havers LLP to anyone and, testament to that statement, is that I recommended my Father spoke to Ray regarding Inheritance Tax and managing his Estate as he entered his final years.

I have been a client of Courtney Havers since the early 1990s. It has been a most positive and productive relationship. In that time they have advised me on a range of general financial matters and investments. They have always respected my wish to invest ethically and although this could act as a drag on performance I am most pleased with the results across the decades that I have been with them. They have helped me to build funds that mean I can face retirement with no fears. I'm sure Courtney Havers have many clients but they always make you feel like you are important to them. In addition, the back room team are most efficient with administrative matters dealt with promptly and accurately. I have recommended Courtney Havers to a couple of my friends and would happily do so again,

I couldn’t be happier with the service and guidance I received from Ray and Matt our financial advisors. They were professional, knowledgeable and took the time to understand our goals and circumstances. What really stands out is their ability to explain everything clearly and simply, making what can often feel like a complicated subject much easier to understand. We always felt listened to, supported and confident that our best interests were being considered. Their attention to detail, responsiveness and professionalism have been exceptional throughout. We have complete confidence in their advice and would have no hesitation in recommending Ray and Matt to anyone looking for a trustworthy and highly capable financial advisor. An outstanding service from start to finish, highly recommended. Thank you Matt and Ray

Matt was very helpful in assisting us in navigating the process of obtaining an annuity. He was particularly helpful in chasing the pension Cos to release the funds to the annuity provider in a timely manner.

Matt Webb goes that extra mile for his customer

Matt has done a great job in getting our finances in order and he was excellent at explaining things in our sort of language (and even drawings!) He gave us ample time to ask questions and was patient in answering follow-ups or ‘re-explaining’ where necessary. We now have greater peace of mind and definitely feel that Matt is someone we can approach because of his friendly demeanour and professional approach.

A friendly , helpful company I have dealt with occasionally over the past eleven years. Recently struggled with the documentation and jargon whilst dealing directly with A J Bell in an attempt to release funds from my pension pot. After a few days and several e-mails between myself and A J Bell, not feeling I was getting anywhere I contacted Ben at Courtney Havers, explained the problem and asked for help. Within hours I received an e-mail from Ben advising " money requested should see funds in my bank account within 7-10 days ". Excellent job I could not be more pleased.

Excellent help and advice from Ben as usual. Always clear and concise information and easy to understand

Ben was recommended to us to assist in the prompt and accurate processing of our pension claim. All done in less than an hour at a very reasonable cost. A pleasure.

An excellent service by Matt and Ray Thank You both.

Ben has given excellent advice about consolidating my finances. He is always prompt to reply to queries and explains everything clearly. I would not hesitate to recommend him.

Always a pleasure to be guided through the maze of finance and investments.

I have dealt with Courtney Havers for over twenty years and the experience has always been valuable and interesting. In particular my IFA, Ben Buhagiar, is proactive and I feel confident in his ability.

In life you make a lot of decisions everyday. However there are only a few that can have life changing effects. I have known Courtney Havers LLP for over 40 years and the decision to use them to prepare for retirement and take me through retirement has been one of the best decisions I have ever made. They give a very personal service to me and my family. Always available and always willing to offer advice and support. Thanks to everyone who works there with a special thanks to Ray and Matt Tuffield, Kirsty Dobson and Matt Leahy. Highly recommended.

For many years, Courtney Havers have provided my family with professional ,knowledgeable and always friendly ,caring advice dealing with the many and varied financial challenges which every family is faced with from time to time . They have provided valuable advice in respect of taxation investments, bereavements and other financial matters whenever needed I cannot recommend Courtney Havers enough , if what you are looking for is some really sound and professional advice for whatever financial challenges you may be faced with in the future .

As we needed some financial advice we engaged with Courtney Havers LLP. Their consultant Matt Webb first asked us what exactly we were looking for. He was excellent at keeping a customer perspective and coming up with financial solutions that fit our situation. We felt well advised and not steered towards a certain package or solution. Very refreshing. Thank you very much Matt. Highly recommended!

A very professional company that has its clients at the heart of their business model. Our Advisor, Ben, has always focused on our best interests and provided detailed but very clear and unambiguous guidance to us . I thoroughly recommend them.

I spoke to Ray briefly for some advice and found him to be extremely helpful and knowledgeable. I’ll be back if I require any services in the future

First class service. Good advice and always available to help with queries. Would heartily recommend.

Ben has sensitively and professionally lead my mother and the family through a range of financial decisions at sometimes challenging times. He has pre-empted any queries and chased up companies on our behalf. We would highly recommend his services.

Had a revue meeting with Mr Ray Tuffield today, my long term independent financial adviser. As always I came away feeling very satisfied and safe in the knowledge that my finances are in good hands. I hold a very high regard for him and Matt Tuffield plus the team.

Having been with Courtney Havers LLP for the past 40 years its our time to thank Mr Ray Tuffield and his team for their expertise and professional manor looking after our investment. Mr Matt Tuffield is our personal adviser who has carried out his duties to the full for which we give our thanks. We look forward to the coming years. Kindest regards. Mr Melvyn & Mrs Susan Smith.

We have dealt with Courtney Havers for many years.Our contracts being Ray and Matt Tuffield. We could not have asked for better advice and information, both Ray and Matt are very pleasant individuals with a reassuring nature. Vic and Eve.

Ray , Matt and the Team at Courtney Havers have looked after my own and my husband’s financial planning for many years and we really value their straightforward, jargon free advice. Tina & Simon Pearce

Claire has supported me for a number of years. She's a highly competent professional, combining superb product and market knowledge with astute insight into people's attitudes and beliefs. Claire is patient, diligent and committed and she should be your first choice if you're looking for financial advice delivered as it should be!

We were very nervous of speaking to an IFA. We chose Courtney Havers LLP, which had been recommended to us by friends , and wished we had done it years ago. From the first phone call , and our first meeting with Ben, who is so very approachable, friendly , professional, and very supportive, we realised we had made the right decision . He reassured us through every process with clear instruction's, and no question was looked upon as basic one . Thank you Ben you have changed our lives in such a short period . We are now looking forward to enjoying our retirement, knowing we are secure finically without worrying.

Always a pleasure to discuss various financial matters with Ben Buhagiar. He listens first, which i find particularly important, before giving his very knowledgeable and insightful views.

Great team who are very approachable and provide valuable insights and advice regarding all aspects of our finances.

I have no hesitation in recommending Ray Tuffield and his excellent team. They provide professional and pragmatic advice in a friendly and no-nonsense way. It is very refreshing in this world of back-covering fence-sitting.

Ray, Matt and the team are lovely. We have used them for many years and as well as having the personal touch, they are professional, knowledgeable and friendly. We would highly recommend them.

My wife and I engaged Courtney Havers to provide financial advice on retirement income. This included the consolidation of several pension policies accummulated over the years. I was impressed by the depth of knowlegde and the ability to provide a range of options to suit our needs. They have always been very helpful, responsive and flexible in their approach. I am very happy to recommend them to others.

Claire Hobbs/ Adams at Courtney Havers has advised me on managing my Pension Fund for perhaps 15 years. She has always answered my questions, no matter how many times I have asked her to take me through them, until I have understood, she has listened to my thoughts and tried to incorporate them, though has somehow ameliorated the downside of my less sensible directions and has produced results well in excess of my expectations. I have already recommended her to any of my closest friends who need advice and also to those who did not think they did but could improve on where they were.

Ben has been exceptionally helpful from our first meeting. I would thoroughly recommend him and the team at CH to anyone seeking advice for their pension or tax planning.

Easy to deal with with clear communication. The advisor I work with, Ben, alwaus helps out with my queries quickly and during teh regular reviews clearly explains my options.

Ben has helped me with my Pension and Financial planning for over 5 years. His swift measured approach to my portfolio has helped me enormously and given me confidence for the future when all around there is a lot of doom and gloom in the world. Whenever I have a query he acts immediately. Highly recommended.

I first met with Ray in 2002 whilst still working as a Finance Director and have used Courtney Havers ever since, both in business and personal settings. Here we are twenty years on and my wife and I, both retired now, are extremely satisfied with their continued support and advice as they always have our best interests at heart. We find the whole team at Courtney Havers both very professional and pleasant at all times, they are always contactable, courteous and helpful. I would highly recommend anyone wanting to achieve better personal financial planning outcomes to contact Courtney Havers. For the past fourteen years, Matt Tuffield, a truly professional Financial Adviser and a Partner in the firm has provided us with sound personal advice backed up with comprehensive lifestyle financial planning, give him a call, you won’t regret it.

Very impressed by the service, support & information provided to both my wife & I. Our future prospects & options were not only explained in a comfortable & understandable manner, but were also supported with easy to read and quite interesting documents. We both feel that our funds are being monitored & managed with alot of attention & care which will allow us to have a better future & retirement ~ hopefully sooner than later!!!

I was recommended Courtney Havers several years ago as I needed suggestions on my pension scheme. Matt Webb has been excellent in advising me on the best way forward. He has been very honest with his thoughts and attentive to every detail in giving me the best options. Always very punctual with our meetings and I am very grateful for his advice over the last few years. Thank you Matt!

Matt Webb has been my FA for a few years now and always gives great advice and takes time to explain everything to me in detail. He recently formulated a plan allowing me to retire this month which is an absolute dream. I would highly recommend Matt and Courtney Havers.

Ben has been extremely patient, communicative and helpful. Thanks

We'd been putting off sorting out our pensions, and frankly doing anything about retirement planning for many years. We asked our accountant who could help, and he suggested we talked to Ben Buhagiar at Courtney Havers. We found Ben to be very knowledgable, full of good ideas and always happy to take the time to explain the detail. Best of all, Ben made everything seem doable and obtainable. He guided us through all the options with a really positive, optimistic attitude and in a calm, business-like manner. We are very happy clients and hope to stay working with Ben for many years. Highly recommend Ben to anyone.

We have dealt with two IFA's from Courtney Havers over a period of about 20 years and have always found their advice to be valuable and pertinent to our needs. They keep punctual appointments and respond to our requests promptly. We would highly recommend them to anyone looking to appoint a financial advisor.

Courtney Havers have helped us plan our financial future and given us peace of mind. Would highly recommend.

First class service from Ben Buhagiar. Ben is great to deal with and has given me some excellent advice. I know I am in the best possible position leading up to my retirement and no longer worry about what my pension is doing.

On finding Courtney Havers via the internet with excellent reviews; we were introduced to Ben Buhagiar as our financial adviser. Ben proved to be extremely helpful and efficient in providing advice and the relevant action needed to complete our needs. Catherine and Brian.

I thoroughly recommend Courtney Havers. Ben explained everything to us in detail so we could understand our position and was very patient. Nothing is too much trouble and we felt truly valued as clients.

Excellent practical and friendly service, always very helpful & knowledgeable.

Excellent service. Always easy to get hold of and they have the happy knack of speaking in plain English rather than personal finance jargon. Good, clear advisers who really listen.

Absolutely terrific help, support and advice from Ben Buhagiar at Courtney Havers. He has helped me at a time when I really needed wise counsel. A huge weight and worry lifted and a smart strategy in place. As he said today "You don't need to worry anymore". I'll take that. 100%. Thank you.

I have been advised by CH for several years now. They offer excellent advice and thorough support. This is a very professional and knowledgeable Financial Adviser that puts their clients needs first. We work directly with Ben Buhagiar who is exceptional, thank you.

It was a very professional. Helpful experience. Always there to answer any questions. So friendly.

I had an initial meeting with Ben Buhagiar about my pension arrangements following a recommendation from a close friend. I found Ben to be both approachable, informative and patient! He explained and presented things in a way that enabled me to more easily understand what can be quite an overwhelming subject.

We have been family clients of Courtney Havers for about 16 years. All the team have been equally responsive and professional in the way they have advised and supported us on all our pension matters. Our current advisor, Ben Buhagiar, has maintained that excellent level of client service and we have no hesitation is recommending him to anyone seeking professional pensions advice.

Having used the services of Courtney Havers for the last 6 years l have nothing but praise for their professional qualites. My advisor, Ben Buhagiar, has always been quick to respond to my queries, his positive attitude and assistance has been very much appreciated by my wife and myself.

I have been advised by Courtney Havers for a number years and they have always steered me in the right direction. I value their advice and as a result my pension fund is sustainable and providing a good income in my retirement.

Matt Webb (and Ray Tuffield) from Courtney Havers helped me greatly with a mix of inheritance, pensions and investments. They have been incredibly helpful and quick, going above and beyond to help me think things through, and then put a plan in action. They came very highly recommended by my accountant of 10 years, and I can see why.

Ben was recommended to me by another professional adviser when I was looking to consolidate a number of private pensions. I found his depth of knowledge and advice to be valuable and I am pleased that my investment has increased in the last 12 months. In addition, Ben surpassed my expectations when he applied for compensation on my behalf when one of my pension providers took too long to conclude their obligations. I feel that my business is in the right hands.

Have used Courtney Havers for over 20 years - always more than satisfied. My current adviser, Ben Buhagiar, has been brilliant, using a robust process to identify needs, assess risk appetite and create the ideal investment strategy. All with a friendly manner that de-mystifies any technical terms. I trust this firm totally and Ben has provided priceless support during what has otherwise been an extremely testing time for me. Worth every bit of his fee, and more. Thank you!

I have used Courtney Havers services for a couple of years, in particular for advice on pensions and retirement planning in general. Claire Hobbs has provided a professional, knowledgeable and friendly service throughout this time and I would thoroughly recommend both Claire and the firm in general.

I have been using Courtney Havers for several years, and have always been happy with their service .Claire offers clear and concise information, prompt responses and a down to earth approach. I am in safe hands

I have been with Courtney Havers for some years now, and have implicit trust in their advice and handling of my investments. It is a real pleasure to have personal interaction with the company and to feel you can contact them at any time. I would not hesitate to recommend them.

I have been using Courtney Havers for about 10 years, primarily for pension planning purposes. Throughout this period, the same firm consultant has been my main contact, providing a consistency of service and a valuable sense of personal service. Advice has been tailored to my needs and follow-up on decisions made has been prompt and effective. I am extremely satisfied with the advice and service I have received from Courtney Havers over the years.

I have used Claire Hobbs at Courtney Havers to advise me on financial matters for more than eight years and have been delighted with the way Claire works which is plain speaking and clear. I have always had confidence that my finances are in a safe pair of hands. I would not hesitate to recommend the firm and particularly Claire and have already done so on several occasions with others being as equally satisfied as I am.

I have been advised by Courtney Havers for many years. I find them knowledgeable, quick to understand my needs and competent at providing good guidance, recognising that every client has a unique aspirations and concerns. I am confident that I am in safe hands.

I have been impressed by their approach to investment, the range of options available and their recommendations based on research and personal requirement. Advice is available and investment strategy is regularly reviewed with the client. There is a well managed structure that supports investment planning and portfolio composition.

My initial contact with them was with Ben Buhagiar after my existing IFA in Spain was unable to continue providing advice due to legislation in the UK. It was only after my initial consultation and then a full appraisal of my existing QROPS that he made me aware of how I had paid enormous hidden commissions and the fact I was contracted to my platform provider for 10 years. In the year we have been speaking, he has moved many of my investments into a more stable and secure base and I feel very comfortable with the advice he has offered A very professional company

Just spent an hour with Ben from Coutney Havers as a free consultation and really appreciated the advice offered. Would be happy to recommend to those who are thinking about seeking advice from a financial advisor. Thanks again Ben.

I have been a client of Courtney Havers for many years and have always found the service and advice first class. The team are always on hand to help and take a proactive approach in updating me. Highly recommended.

We have been with Courtney Havers for just over 10 years. Claire gave us both very good advice with our respective retirement planning. I retired in 2012 and Rosalyn in 2013. Upon retirement, Claire obtained the best pension rates available. We now have a modest investment in ISA's which Claire and Ben look after on a quarterly basis, with an annual up date meeting. We shall seek their advice on future financial estate planning. A thoroughly ethical and professional company and we would have absolutely no hesitation in recommending them. Neil & Rosalyn Carley.

expert advice and nice people

Matt has been very helpful to us with our pensions and financial advise, I would recommend him and his team any day, very honest, friendly and puts everything easy to understand, he is just brilliant.

My initial contact was with Ben Buhagiar who was very friendly and professional when I was seeking advice on organising my pension. He explained all my options in easy to understand terms and has maintained a proactive approach throughout the procedure. He is always available to discuss any aspect of my finances. I am extremely pleased with the ongoing support from Ben at Courtney Havers and would have no hesitation in recommending them.

Very professional and ethical Independent Financial Advisers, who tailor their advice and response to your own individual needs. I dealt with Ben Buhagiar at the Tonbridge branch at the end of 2018, whilst in the midst of arranging my retirement. I believe I am a harsh marker, and have deducted one star as they will charge you for their advice (naturally) and some may feel the charges might be lower. However, I also believe you get what you pay for and overall I am very pleased so far with their assessment of my tax position, with minimising my tax, and with their investments on my behalf, to assist my retirement. I believe their work has already compensated me for the charges paid, and their recommended low-risk investments appear to be doing well. If you want some genuinely high class independent and individual financial advice (they deal with a variety of areas) then I would recommend Courtney Havers, based on my current experiences.

I started using Courtney Havers within the last 6 months and I have found them to be excellent.

I have dealt with these guys for 20 years approx -nice people who know their stuff. Most recently they sorted out our workplace pensions and we are discussing other things in the near future - highly recommended.