-Graeme and Avril (Retirees), Bradley Stoke
I have known Richard Higgs for a number of years. I first met Richard when he was visiting my parents for their yearly review on investments & could immediately see how professional he was. He has all the financial advisor qualifications. He later helped me merge 3 pensions into one. At all times he helped me understand what was happening. He has continued to build the business up and now employs a team who also cover many other aspects of everyday life. He named the business Harold Stephens after his Grandfather.
-Graeme and Avril (Retirees), Bradley Stoke
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Rachel and Alex, Westbury On Trym
We’ve been working with Richard since 2015 and haven’t looked back. He’s gone from advising us while we were employed with young children, through to us becoming self-employed with all the additional pension etc. planning needs that entails, and all the while helping us with saving for our growing family.
All the way through Richard has been friendly, knowledgeable, and super-helpful. It always feels like he’s fully up-to-date with our situation, and makes helpful suggestions about things we might want to consider, taking into account our wishes such as ethical investments. He has such a friendly, welcoming team around him, and it’s a real delight to have him as our advisor. We would thoroughly recommend!
-Rachel and Alex, Westbury On Trym
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Owen and Patricia (Retirees), Portishead
Ten years ago a smart young man knocked on our door and introduced himself as Richard Higgs, asking if he could provide any financial advice to us through his new business. Since then Richard’s business, now Harold Stephens, has grown with his team providing a personal and caring service with sound and well researched advice enabling our investment to grow.
Alongside the business he and his team make time for many fund raising events benefitting several charities encouraging his clients with social and fun events.
-Owen and Patricia (Retirees), Portishead
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Peter and Nicky (Retirees), Westbury on Trym
When we retired we realised that we needed help to plan our finances in retirement and ensure that we had thought about all we should consider as we embarked on the next stage of life together. We chanced upon Richard and the Harold Stephens team and were very fortunate to do so. They provide a friendly, professional service in a homely environment in the heart of Westbury.
It is good to deal with people who not only know their business, but also know us and take a genuine interest in our lives and changing circumstances. We are always given a very warm welcome (and a cup of coffee!) and feel that Richard and his team care about us by providing no pressure advice and the time to chat things through.There are so many uncertainties in life and in financial matters - we find it so reassuring to work with a small, personal team rather than a large, faceless organisation.
-Peter and Nicky (Retirees), Westbury on Trym
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Valerie Buchan (Retiree), Henleaze
I am so pleased I decided to get in touch with Richard. He helped me to re-organise my finances so that I get a better income. I had no idea how to go about this and Richard's advice and practicality in this matter has been invaluable. Richard keeps me very much up to date and his clear explanations and friendly manner are much appreciated
- Valerie Buchan (Retiree), Henleaze
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Albert Stiles (Retiree), Westbury On Trym
The service I have received has been highly satisfactory. It is great having a local financial adviser who is readily accessible for advice.
-Albert Stiles (Retiree), Westbury On Trym
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Chris and Carolyn Carwardine (Retirees), Sneyd Park
We have found it very good having a local adviser. Richard always makes himself available in his local office when requested. We get a very good personal service and Richard clearly knows what he is doing.
- Chris and Carolyn Carwardine (Retirees), Sneyd Park
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Bob and Norma Hall (Retirees), Coombe Dingle
We have found the service of Harold Stephens very consistent and reliable. We are very confident in the service given. Follow-ups have been thorough and explained with understanding as Richard has good teaching qualities.
- Bob and Norma Hall (Retirees), Coombe Dingle
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Donald Owen (Retiree), Coombe Dingle
Richard has always been very accessible, a real advantage and gives me confidence in our dealings. The level of service has been first class. Richard has always carried out his promised actions on time. Any technical advice has been explained in a very clear and understandable manner.
- Donald Owen (Retiree), Coombe Dingle
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Ralph Payne (Retiree), Stoke Bishop
The service has been a perfect blend of professionalism and care for us and our money. Gives advice in a way that we can understand easily. Have recommended Richard to others and will continue do so.
- Ralph Payne (Retiree), Stoke Bishop
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Vanessa Payne (Retiree), Stoke Bishop
With Richard we are not talking to a salesman with targets but someone we know and we know where his office is. Someone who also knows the area we live in and no call centre ethos!
- Vanessa Payne (Retiree), Stoke Bishop
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Colin and Elizabeth Sleath (Retirees), Stoke Bishop
We have found Richard to show a personal attention to our needs and the process involves a relaxed discussion of options with no pressure and this has helped us feel confident in the decisions made. The accessibility of being able to make contact at any time and of being seen at the local office is a great advantage.
- Colin and Elizabeth Sleath (Retirees), Stoke Bishop
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Gillian Dunphy (Retiree), Stoke Bishop
The level of service has been very good. I am also very happy with the advice received and the level of technical knowledge.
- Gillian Dunphy (Retiree), Stoke Bishop
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Jeremy Krause (Retiree), Clifton
Richard is cautious and suggests ideas in a reasonable and sensible manner. But he is not pushy! I feel confident in Richard's technical knowledge and able to make careful, sensible decisions. I would be happy to recommend Harold Stephens!
- Jeremy Krause (Retiree), Clifton
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Owen and Patricia McNamara (Retirees), Westbury on Trym
We have found having a local advisor beneficial in that we have been able to deal with the same person throughout, enabling easy access with rapid response. We feel we have had a good level of service with explanations easy to comprehend whilst taking account of our circumstances with a level of risk we are comfortable with.
- Owen and Patricia McNamara (Retirees), Westbury on Trym
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Jenny and Keith Higgs (Retirees), Shirehampton
The service I have received from Richard and Penny has, so far, been excellent. Both of them, at the end of the telephone, have dealt with any problems very quickly and efficiently. The local office is also a very good part of the service, another personal touch. The help I received to sort out a pension from the 1970's was sorted out extremely well and very much to my advantage, thanks to their knowledge and assistance.
- Jenny and Keith Higgs (Retirees), Shirehampton
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Gordon and Sandra Inglis (Retirees), Henleaze
It's a personal service. Richard is very easy to talk to and we felt that he cared.
- Gordon and Sandra Inglis (Retirees), Henleaze
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Barbara Allen (Retiree), Stoke Bishop
I value the convenience of the local office and being informed of my current financial situation.
- Barbara Allen (Retiree), Stoke Bishop
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Tony and Angela Cropper (Retirees), Henleaze
We have found that being advised by a local adviser on a face-to-face basis inspires us with confidence, knowing he is the one making the decisions. We are very happy with the service, it is nice to have meetings in Harold Stephens’ local office.
- Tony and Angela Cropper (Retirees), Henleaze
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