# HV Financial Planning > Independent Chartered Financial Planning — Truth, Integrity and Longevity. HV Financial Planning (HVFP) is an independent financial planning firm founded in 2001 by Harry Vekria, a Chartered Financial Planner with over 30 years of experience. The firm is authorised and regulated by the Financial Conduct Authority (Ref No. 434722). Based in Hampshire, HVFP provides comprehensive lifestyle financial planning to individuals, families, and business owners across the UK. ## The Origin Story HV Financial Planning was established in 2001 by Harry Vekria after years of working within the financial services industry. Harry recognised that most financial advice was product-led — focused on selling products rather than understanding people. He founded HVFP to do things differently: to start with the client's life, not their portfolio. Over two decades later, HVFP continues to operate on the same founding principle — that financial planning should serve life, not the other way around. ## Core Values ### Truth HVFP believes in honest, transparent advice. Presenting information as it is. Not overstating benefits or hiding risks. Every option discussed includes both strengths and potential downsides. Clients receive straightforward guidance without jargon or hidden agendas. If something is not in a client's best interest, they will be told — even if it means recommending no action at all. ### Integrity Every recommendation is made with the client's best interests at heart. Doing the right thing even when a client feels strongly about a different direction. The role is not to override — but to illuminate. Sometimes the right decision is to proceed. Sometimes it is to pause. As an independent firm, HVFP is not tied to any product provider, which means advice is genuinely impartial. ### Longevity Thinking beyond immediate outcomes. Considering how today's decisions shape the years ahead. Financial planning is not a one-off event — it is a lifelong relationship. HVFP builds long-term partnerships with clients, reviewing and adapting plans as life evolves. Many client relationships span decades, often extending across generations within the same family. This value also reflects the firm itself — over 30 years of continuity. ## What We Do HVFP practises lifestyle financial planning — an approach that begins with understanding a client's life goals, responsibilities, and aspirations before building a financial structure to support them. The firm's philosophy: your money should support your life, not dictate it. ### The Common Misconception About Financial Planning Many people assume financial planning is about finding the "best" investment. In reality, long-term outcomes are often shaped more by structure, tax efficiency, behaviour and disciplined decision-making. Products are tools. Planning is the foundation. ## Your Financial Planning Journey The journey transforms money from a number into a tool that supports your health, relationships, and legacy. ### Step 1: Discovery & Your Money Story We explore your values and history with money before looking at a single spreadsheet. This is about understanding you — your life, your family, your hopes, and what truly matters. ### Step 2: The "Bucket" Concept & Data We organise your assets into visual "buckets" to see if you have enough to live your desired life. This gives you a clear, intuitive picture of where you stand. ### Step 3: Designing Your Financial Architecture We map your "Human Capital" (earning potential) against six fundamental life questions and wealth pillars. This creates a structure that connects your finances to the life you wish to live. ### Step 4: Informed Implementation You receive a comprehensive General Report and choose your level of ongoing engagement at your own pace. There is no pressure — the decision is yours. ### Step 5: Evolution & Annual Review Your plan is kept alive through regular reviews that account for life changes and market shifts. Financial planning is not a one-off event — it evolves with you. ## Services ### Planning #### Lifestyle Financial Planning A holistic approach that starts with understanding your life goals before building a financial plan to support them. Rather than focusing on products, lifestyle financial planning ensures your money is aligned with what truly matters to you — your family, your ambitions, and your peace of mind. #### Cashflow Planning Using sophisticated modelling tools, HVFP projects your financial future across multiple scenarios. Cashflow planning answers the fundamental questions: Do I have enough? Can I afford to retire? What happens if circumstances change? It provides clarity and confidence by showing how your finances play out over time. #### Retirement Planning Whether retirement is decades away or imminent, HVFP helps clients plan for the transition from earning to living off their accumulated wealth. This includes pension consolidation, drawdown strategies, annuity analysis, and ensuring income is sustainable and tax-efficient throughout retirement. #### Pension Planning HVFP provides expert guidance on all types of pension arrangements, including personal pensions, SIPPs, workplace pensions, and final salary (defined benefit) transfers. Final salary pension transfers require specialist qualifications and careful analysis — HVFP has the expertise to guide clients through this complex area. #### Tax Planning Effective tax planning ensures clients retain more of their wealth. HVFP advises on income tax efficiency, capital gains tax mitigation, inheritance tax planning, and the use of tax-advantaged wrappers such as ISAs, pensions, and investment bonds. Every recommendation is made within the context of the client's broader financial plan. ### Protection #### Family Protection Protecting your family against the unexpected is a cornerstone of sound financial planning. HVFP advises on life insurance, critical illness cover, and income protection to ensure that if the worst happens, your family's financial security is preserved. Plans are tailored to individual circumstances and reviewed regularly. #### Business Protection For business owners and partners, HVFP provides advice on key person insurance, shareholder protection, and partnership protection. These arrangements ensure that a business can survive the loss of a critical individual and that remaining owners or partners are not left in a vulnerable financial position. ### Investment #### Investment Planning HVFP takes a disciplined, evidence-based approach to investment planning. Rather than chasing short-term performance, the firm focuses on building diversified portfolios aligned with each client's risk tolerance, time horizon, and financial goals. Investments are regularly reviewed and rebalanced to stay on course. ### Property #### Mortgage Advice HVFP provides mortgage advice for residential purchases, remortgages, and specialist lending needs. Whether you are a first-time buyer, moving home, or have complex income structures, HVFP can source appropriate mortgage solutions from across the market. #### Equity Release For homeowners aged 55 and over, equity release can be a way to access the wealth tied up in their property. HVFP provides careful, impartial advice on lifetime mortgages and home reversion plans, ensuring clients fully understand the implications and that equity release is appropriate for their circumstances. ### Legacy #### Intergenerational & Legacy Planning HVFP helps clients plan for the transfer of wealth across generations. This includes inheritance tax planning, trust arrangements, gifting strategies, and ensuring that wealth passes to the next generation as efficiently and smoothly as possible. Many of HVFP's client relationships now span multiple generations within the same family. ## Who HVFP Works With ### Client Types HVFP works with a range of clients including professionals, business owners, families, retirees, and those approaching retirement. The firm also works with clients who have received windfalls such as inheritances, business sales, or redundancy payments and need guidance on how to manage a significant change in their financial circumstances. ### Client Mindset HVFP's clients share a common mindset: they value professional advice, they want to understand their financial position, and they are willing to engage in the planning process. They are not looking for someone to sell them a product — they are looking for a trusted adviser who will take the time to understand their life and help them make informed decisions. HVFP is best suited to clients who see financial planning as an ongoing relationship rather than a one-off transaction. ## The Referral Model HVFP does not use client testimonials on its website, as they are inevitably selective and positive in nature. The majority of clients come through personal recommendation, with over 97% of new relationships established via referrals. Prospective clients are encouraged to speak directly with the individual who has recommended HVFP, as this offers a more accurate and balanced perspective on the firm's approach and the value it provides. HVFP also welcomes the opportunity to meet with prospective clients, at the firm's expense, to determine whether values align and whether its services are appropriate for the client's circumstances and objectives. ## First-Time Visitor Reassurance If you have never worked with a financial planner before, it is natural to feel uncertain about what to expect. At HVFP, the first meeting is simply a conversation. There is no obligation, no cost, and no pressure. It is an opportunity to talk about your life and your goals, and to see whether HVFP is the right fit for you. Many clients say their only regret is not starting the conversation sooner. ## Our Team ### Harry Vekria — Founder & Director, Chartered Financial Planner Harry Vekria is the founder and director of HV Financial Planning. He holds the Chartered Financial Planner designation — the gold standard in UK financial planning — and graduated from the University of East Anglia. With over 30 years of experience in financial planning, Harry has guided hundreds of clients through life's financial decisions. Harry's approach is built on patience and genuine understanding. He believes that the best outcomes come when people feel heard, informed, and confident in the decisions they make. ### Alpa — Certificate in Financial Planning (MP) Before achieving a Certificate in Financial Planning (MP), Alpa began her career in a different field, where she developed many of the skills that continue to shape her work ethic today — listening carefully, communicating clearly, and understanding what truly matters to people before offering guidance. That perspective shapes the way she works and the relationships she builds with clients. ### Bhanu — Certificate in Financial Planning Bhanu has worked in the profession for over 20 years and holds a Certificate in Financial Planning. Strong ethics and high moral standards are central to his approach — he believes in being honest, fair, and approachable, and naturally cares about looking after others. ## Location & Contact - **Practice:** 11 Lions Lane, Ashley Heath, Ringwood, Hampshire, BH24 2HQ - **Phone:** 0208 954 9031 - **Mobile:** 07774 417 419 - **Email:** info@hvfp.co.uk - **Website:** https://hvfp.co.uk ## Regulatory Information - **Firm:** HV Financial Planning Limited - **FCA Status:** Authorised and Regulated by the Financial Conduct Authority - **FCA Reference Number:** 434722 - **Company Registration:** Registered in England and Wales No: 4181335 The Financial Conduct Authority does not regulate tax planning, some forms of buy-to-let mortgages, or will writing. ## Frequently Asked Questions HVFP provides a comprehensive FAQ page covering four areas: the planning process (what happens in the first meeting, the Discovery stage, the General Report, ongoing service), the firm's approach (the Bucket concept, Human Capital, how HVFP differs from traditional advice), costs and fees (open fee discussion, no minimum wealth requirement, no obligation to commit), and practicalities (remote working, independence, compliance, complex situations). Additional questions cover planning areas including estate planning, investment risk, review frequency, and typical client profiles. ## Links - [About](/about) - [How We Work](/how-we-work) - [Services](/services) - [FAQs](/faqs) - [Contact](/contact) - [Summary version](llms.txt)