About
A planning practice built for careful UK household decisions
Hearthstone Financial Planning grew from years of sitting with pension statements that clients found opaque, and from a belief that advice should read like a letter from someone who has done the arithmetic.
Origin
The practice is based at 69653 Bernier Viaduct, Bosco Green, England, United Kingdom — a quiet office where clients can spread paperwork without the rush of a high-street sales floor. We advise households across England, with most meetings held in person locally or by video for clients further afield.
How we work
Every paid engagement begins with a scoped letter. We gather facts, analyse options against your goals, and deliver recommendations in plain English. Where a solicitor, accountant, or specialist transfer firm is needed, we introduce rather than pretend to hold every permission ourselves.
Values we keep visible
- Clarity over theatre — charts appear only when they explain a trade-off.
- Suitability before movement — keeping a pension can be the right advice.
- Fees before work — you know the cost before analysis starts.
- Respect for family context — second marriages, caring duties, and uneven inheritances belong in the brief.
People
Clients meet a named adviser for the full engagement rather than a rotating call centre. Paraplanning support prepares cash-flow work and provider research so meeting time stays focused on your decisions.
Relationship with clients
Some households return each year for a light review of drawdown and protection. Others engage us once for a transfer opinion and manage thereafter with their accountant. Both patterns are welcome. We do not lock you into retainers you do not need.
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