We are an independent financial and legal advice firm, based in Westbury on Trym, Bristol. Launched by Richard Higgs in 2011, Harold Stephens has a focus on helping those retirees in later life.

Richard is passionate about being a trusted adviser for people in retirement and has a huge amount of respect for people that have worked hard to build a nest egg for their loved ones. His vision for Harold Stephens was to create a firm solely focused on later life financial issues that also feels ‘old fashioned’ – in how it looks and in how we treat our clients.

In a time when everything seems to be moving ‘online’, we are steadfastly offering a high street office with real people that are readily available to help you – face-to-face.

Harold Stephens is named after Richard’s grandfather who was thought of as a ‘numbers man’. The ironic thing was he spent all his life working in money but was never very good at saving!

Richard said, “I always admired my Grandfather in many ways. His generosity, sense of humour, love of his family and kindness. And so I’ve always tried to follow those principles as much as I can. That was another reason why we decided to name the firm after him - to run the firm according to those values.”

Family and community will always be at the heart of everything we do. These values are shared by the whole team and it’s one of the reasons we work so well together.

If this sounds like the kind of firm you’d like to deal with, get in touch today for your complimentary financial review to see how we could help you.

To learn more about the Harold Stephens team committed to giving you the veRy best experience, click here: Meet The Team

Consumer Duty

The Consumer Duty is a set of guidelines introduced by the UK's Financial Conduct Authority (FCA) to ensure that regulated firms like ours prioritise the best interests of their customers.

The guidelines require firms to provide products and services that are suitable, fair, and offer value for money. We are also required to take reasonable steps to prevent harm to customers and to communicate with them clearly and fairly.

We wholeheartedly agree with the principles set out and as such have signed up to the Consumer Duty Alliance as part of our commitment to delivering better client outcomes.

You can learn more about the principles we have agreed to follow by accessing this guide.

If you have any questons about Consumer Duty, or our commitment to Vulnerability, please don’t hesitate to get in touch.