About Arborheath Limited, 
Independent Financial Advisers.

As Financial Advisers, we both began our financial services careers over 35 years ago. We've learnt a lot of technical detail on the way, but it's our huge amount of real-life experience that is of greatest value to you. 

Our role now is to help you benefit from our experience and achieve your goals, whatever they may be.  

Authorised and regulated by the Financial Conduct Authority.
Arborheath Ltd is entered on the Financial Services Register https://register.fca.org.uk/  under reference 937373
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK


We are: 

Paul Harrington

Director - Independent Financial Adviser 

I like to think of myself as a financial General Practitioner (GP). All aspects of financial planning undertaken; an 'Investment and Pension' specialist, also providing mortgage and protection services. As with all GPs if you have speific need which I cannot deal with I have a specialist in the background to refer to.

Ray Ingleby 

Director - Independent Financial Adviser

All aspects of financial planning undertaken; an 'At Retirement' specialist - whether you want the certainty of an annuity or to enjoy all the 'pension freedoms' of Flexible Access Drawdown I can help. If you need advice around bringing 'old plans' together, perhaps to provide you with income either now or in the near future, or simply wish to 'consolidate' for other rationale, I'd be happy to hear from you. 

Independent Advice or Restricted Advice 
- you might ask "which is best for me"?

The value to you of taking fully Independent, whole-of-market advice:

No matter what type of adviser you talk to, you should get broadly similar advice from all - after all, we all work under the same legislation / tax rules etc. In our early careers, back in the eighties and nineties, we both spent periods of time working for single life assurance companies, It soon became clear to us both that there was something 'not quite right' about simply 'doing the best you can' for your client, within the single company, limited product range available to you as an adviser. 

At Arborheath Ltd, we believe in firstly establishing what your requirements are and whether you wish to address any needs identified. Should you wish us to proceed, we then agree in advance the cost of advice to do so, together with which method of payment suits you best. We then source a solution from the whole of the marketplace, not just from a 'panel of providers' - we do not believe in the idea that to simply 'do the best for your client from the Restricted plan and fund range available represents the best possible client outcome.   

By entrusting your needs to Arborheath Ltd you can be sure we will source the best possible solution from the whole of the market, using our experience, coupled with the use of state of the art independent research technology, as developed by highly respected companies such as Defaqto and others.  

The value of units and the income from them may fall as well as rise. Investors may not get back the amount originally invested. Your home is at risk if you do not keep up repayments on your mortgage or other loans secured on it The Financial Conduct Authority do not regulate tax advice

Please feel free to contact us to request a copy of our Terms of Business & our Privacy Notice 

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