What our clients say

  • "I was delighted with the advice and service I received from Matthew and would definitely recommend"
    Angela Mitchell (life insurance and pension advice)
  • "Matt was very helpful and efficient in helping me with my defined benefit pension transfers. I have recommended him to friends, there can be no better endorsement"
    Alan Porter
  • "That's a very comprehensive and quick response and for free, so thank you. It's given me food for thought. You are the first advisor who's been objective"
    Anon (DB pension transfer client)
  • "Matt Harris readily understood my financial situation and requirements when he set up an excellent portfolio for me a few years ago. He has continued to provide sound advice whenever I have needed it since then, which I find very reassuring and greatly appreciate."
    Pamela Rae, London (investment portfolio advice)
  • "Very efficient service provided - pensions advice and pension transfer. Highly recommended."
    Alastair Grant, Edinburgh

Welcome to Harris Independent Financial Advice

Welcome to the site. My name is Matthew Harris and I am a Chartered Financial Planner and independent financial adviser (IFA).

I live in Boston Spa, Yorkshire, and advise clients both locally and across the UK on pension planning, investing, mortgages, life insurance and many other areas of personal finance.

Both I and my company are regulated and authorised by the Financial Conduct Authority.

Before becoming an IFA I worked as an investment manager for around twenty years, for companies such as Scottish Widows and Standard Life Asset Management. During that time I was responsible for investing up to £1.5bn of client money in the UK, Japanese and Emerging Market stockmarkets. I retired from that industry in 2014 in order to offer investment and financial advice directly to clients, using the experience gained during my career as a professional investor.

I hold advanced qualifications in investment management, pensions and financial advice from industry bodies such as the IIMR and Chartered Insurance Institute.

Latest News

Don't be a secondary cardholder. Harris IFA, Boston Spa, Wetherby

Why a joint credit card is usually a bad idea

There are two ways of getting a credit card:i) you can get a card in your own name or ii) you can be the "secondary cardholder" on someone else's credit card (typically your spouse) Many people c ...


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Mortgage advice, Boston Spa, Yorkshire IFA

Check for nasty surprises on your credit file

When a first time buyer approaches us, looking for mortgage advice, one of the first things we tell them to do is check their credit file. Most people are sure that there will be no nasty surprises on ...


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Mortgage advice, Boston Spa, Yorkshire IFA

The rise of retirement interest-only (RIO) mortgages

What is a RIO?Retirement-interest only mortgages (RIOs) are fairly new and are aimed at older borrowers who may struggle to get a standard residential mortgage. They allow you to borrow against your ...


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Buy to let mortgage advice, Boston Spa Yorkshire IFA

Should you take out a repayment or interest-only mortgage when buying a buy to let property?

If you take out a buy to let mortgage you have the choice of opting for “repayment” (where you pay both the interest and some of the capital back each month) or “interest-only” (where you only ...


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Chartered Financial Planners. FCA Regulated (FCA no. 603653). Free initial assesment.