DUE DILIGENCE
INFORMATION
September 2015
FOR PROFESSIONAL ADVISORS ONLY
Capital is at risk when investing in the stock market.
Blackpool Tower and new promenade
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
OUR HISTORY —
A BRIEF OVERVIEW
In February 2001, the firm converted from a partnership
to a limited company, and at the same time became an
associate of Investec (the listed banking group) with the
latter purchasing a 35%* interest.
The stockbroking roots of Hargreave Hale
date back to 1897, when the firm was founded
in Blackpool by Marsden W Hargreave. His
family are still active in the firm today. In 1988,
current Chairman Giles Hargreave merged
his own company (Hargreave Investment
Management) with the family stockbroking
business (Marsden W Hargreave Hale & Co).
Today the firm, which retains its head office in Blackpool,
offers a comprehensive stockbroking, private client and fund
management service, with in-house execution, settlement,
custody, cash management & compliance.
The firm also has offices located across the country in London,
Bangor, Carlisle, Lancaster, Norwich, Nottingham, Worcester and
York. However, despite this growth over the years, the company’s
philosophy has remained the same – the client comes first.
The basis for this is ensuring that any advice or investment
suits the personal needs of clients both today and in the future.
The firm’s assets under management are in excess of £4.5bn with
a further £1bn under administration. As well as the core private
client business, Hargreave Hale has established a highly reputable
fund management arm covering external and in-house mandates.
Hargreave Hale has one of the largest small cap teams in the UK:
10 Fund Managers/Analysts and 3 Assistant Fund Managers with
over 180 years’ experience between them.
*c33% as at August 2015
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DUE DILIGENCE
KEY
STATISTICS
SERVICE
PROPOSITION
Growth in the number of managed portfolios
• Full service stockbroking
• Portfolio management
• Retail fund management
• Settlement
• Custody
• Cash Management
• Third Party Administration
5000
4000
3000
2000
1000
0
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2010
2011
2012
2013
2014
2015
2011
2012
2013
2014
2015
Source HH : Aug 2006 – Aug 2015
Funds under management (£m)
5000
4000
3000
2000
1000
0
2006
2007
2008
2009
Source HH : Aug 2006 – Aug 2015
FTSE 100 Performance Net of Dividends
8000
7000
6000
5000
4000
3000
2000
1000
0
2006
2007
2008
Source HH : Aug 2006 – Aug 2015
2
2009
2010
Capital is at risk when investing in the stock market.
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
SERVICES SPECIFIC TO PORTFOLIO MANAGEMENT
Discretionary
This service is dedicated to intermediaries who wish to
outsource the entire management of their clients’ portfolios
to Hargreave Hale. A dedicated investment manager will assume
responsibility for the overall stock selection and general day to
day investment decisions in accordance with a client’s risk profile
and objectives.
Investment Managed
We can also assist intermediaries with self-directed clients
who want to stay actively involved in the management of their
portfolios, whilst using our investment expertise both for ideas
and execution. An investment manager will establish a risk and
strategy for the client, obtaining prior agreement before any
activity (buy, sell or hold) on an account.
Benefits
Discretionary
Investment Managed
Portfolio management service tailored to your individual requirements
Portfolio valuation every six months, indicating confirmation of any investment
changes and corporate actions
Contract note confirming each transaction agreement – either by email or post
Tax certificate showing dividends, interest received and tax deducted
Nominee account where we take responsibility for custody of assets
Deposit account, for aiding efficient settlement of transactions
Online valuations
Investor benefits from timely investment decisions made on their behalf
NB. We charge various fees for these investment services. These include an annual management fee, charged as a percentage of the account value; share dealing
commissions and other sundry administration costs. Charges where appropriate are subject to VAT. Other taxes, duties and levies may also apply.
3
DUE DILIGENCE
INVESTMENT PHILOSOPHY
AND PORTFOLIO CONSTRUCTION
1 / Our investment philosophy
At a strategic level, our aim is to deliver returns for investors
over the long term by identifying market inefficiencies and any
opportunities that may arise from them. This may on occasion
involve making active, shorter term, tactical asset allocation
decisions.
Broadly speaking we have a flexible process which combines
top down and bottom up investment styles, leveraging the
expertise of the firm’s in house team of analysts. The desired
outcome of this approach is to determine the best investment
ideas in an effort to drive positive investor returns. This
flexibility is also pivotal in helping to achieve our other main
objective of managing both investment risk and market
volatility.
2 / Our approach to portfolio construction
The portfolios we manage are typically constructed on a
case by case/bespoke basis. For each client, we discuss and
agree on an appropriate strategy determined by their specific
investment goals, horizon and attitude to risk. The objective
thereafter is to construct and manage portfolios aligned to a
client’s evolving circumstances.
3 / The resources available to us for investment research
In addition to live market data feeds (Bloomberg, Reuters
and Fidessa), we have ready access to broker reports
and independent research from investment analysts on
companies and funds. Meeting minutes and presentations are
circulated throughout the firm by investment managers and
stored in a centralised repository for future reference.
Capital is at risk when investing in the stock market.
4
We also have regular meetings with investee companies
(up to 20 per week) allowing us to monitor both current and
potential investments closely.
4 / The asset classes utilised in our discretionary
investment offering
At Hargreave Hale, we use a wide variety of asset classes
across our diverse range of investment mandates, covering
both traditional and alternative asset classes.
These include:• UK and overseas equities
• Government and corporate debt
• Collective instruments (unit and investment trusts,
EICs and ETFs)
• Funds investing in alternative assets including,
property, hedge and absolute return
• Cash deposits
5 / Asset classes we would not consider for investing in
We typically avoid what we regard as esoteric asset classes,
focussing on more mainstream vehicles (as above).
6 / The use of in-house collectives
We do not have in-house collectives; however we are the
appointed investment managers for several funds marketed
under the Marlborough Fund Managers brand. Investment
managers are at liberty [but not obligated] to use these funds
subject to the individual requirements of a client.
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
5
DUE DILIGENCE
FRONT OFFICE CULTURE
AND COMPETENCY
1 / The average length of service of our investment
managers
The average length of service is 8 years 5 months.
2 / The number of investment managers that have left the
company in the past 5 years
13 fully qualified investment managers have left within
this period. 7 are no longer registered with the FCA, 4 of who
retired as a result of RDR. Of the remaining 6 leavers, 3 were
trainees.
3 / Succession planning or other key man risk defence
Each investment manager operates in a small team, the
members of which work closely together. Should an
investment manager be absent, another member of the
team, who has knowledge of the client and their portfolio,
will oversee matters and be on hand to field any enquiry.
Investment managers are supported by desk assistants who
also have first-hand knowledge of the portfolios maintained
and have regular contact with underlying clients.
Capital is at risk when investing in the stock market.
6
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
4 / Ensuring the quality of staff and the culture
of the organisation are maintained
Hargreave Hale ensures that all advisory personnel are
suitably qualified to conduct their day to day duties, protecting
the interests of both company and client. Our policy is to
provide an infrastructure where all Hargreave Hale investment
managers have a platform to develop and perform to the
highest professional standards.
Training
All regulated employees (fully qualified investment managers
and trainees) have CISI member status and are required to
complete a minimum of 35 hours of CPD a year.
Regulated employees must complete market abuse, suitability
and financial crime training, as part of a rolling programme,
ensuring that all practitioners understand and are abreast
of current regulatory matters. The compliance department
also circulate regular updates on developments, projects or
changes relating to financial crime matters.
Monitoring and compliance with the FCA framework
Hargreave Hale’s compliance and monitoring programme
fulfils the firm’s internal inspection requirements pursuant to
FCA Principles for Businesses which provides that a firm must
conduct its business with skill, care and diligence (Principle
2) and that a firm must take reasonable care to organise and
control its affairs responsibly and effectively.
In 2014, the firm commissioned one of the leading financial
consultancy firms to perform an on-going programme of
internal audit reviews to ensure that business risks are
effectively controlled.
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DUE DILIGENCE
INVESTMENT
RISK MONITORING
1 / The level of discretion an investment manager
has to deviate away from portfolio constraints
and how this is monitored
There is some flexibility with regards to the broad asset
allocation agreed from the outset (and on an on-going basis)
with the client. However, managers have no discretion to
deviate from portfolio constraints placed by the client such
as ethical restrictions.
To assist investment managers, Hargreave Hale has in
place a robust framework, where there is monitoring of
deal flow and account activity by compliance and an in-house
governance team. The latter provide a layer of oversight
involving deal sign-off. This is to ensure that accounts are
managed and maintained in accordance with client suitability
and investment objectives.
With our bespoke approach, management information
and regular monitoring are critical, as is investment in
people and systems to facilitate this process.
‘The Hive’, Worcester
Source. Newsquest Media
8
2 / The benchmarks used for client portfolios
Given the diversity of our client base and the investment
strategies applied, we use a broad range of indices as
benchmarks for client portfolios.
3 / Adapting the selection of investments for different
portfolios within a specific asset class, e.g. a different
selection of funds depending on the risk profile
Client portfolios are developed on a bespoke basis and
as such vary depending on an individual’s circumstances,
objectives and risk profile. The selection of investments within
each asset can vary to provide the most suitable outcome.
4 / Our currency policy
We do not actively take currency positions other
than having funds denominated in local currency
and/or the use of hedged fund classes.
Capital is at risk when investing in the stock market.
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
9
DUE DILIGENCE
Capital is at risk when investing in the stock market.
10
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
INVESTMENT GOVERNANCE
INVESTMENT COMMITTEE
STEERING GROUP PROFILES
Hargreave Hale has an investment committee based at the
company’s London office. The committee convene on a weekly
basis to discuss/define the firm’s investment policies and
governance framework.
Lee Finlayson
Lee joined Hargreave Hale in 1991. After working in various back
office departments, Lee moved to the front office in the mid
1990’s as an investment adviser. In 2002 he became front office
manager. In 2005, Lee moved to London to become head of the
London office and became a director of the company in 2007. In
2014, he became a joint managing director of the firm.
Giles Hargreave
Giles is the chairman of Hargreave Hale. After leaving Cambridge
in 1969, Giles began his career as a trainee analyst with James
Capel before moving to Management Agency and Music plc as
a private fund manager in 1974. In 1986 he founded Hargreave
Investment Management, which he then merged with Marsden
W Hargreave Hale & Co in 1987. Giles is investment adviser to the
Marlborough Special Situations Fund and Marlborough UK MicroCap Growth Fund.
Adam Caplan
Adam is a director of the firm and has worked in financial services
for over 25 years. He has considerable experience in managing
investments for HNW clients on a discretionary and advisory basis.
Richard Pollitzer
Richard is also a director of the firm and has been a stockbroker
for more than 30 years and with Hargreave Hale for the past 25
years. He has significant experience in the overseas equity and
bond markets with a wide client base that includes charities,
trusts, individuals and other fund managers. Richard is also
responsible for managing the regional offices outside of London.
Richard Hallett
Richard qualified as a chartered accountant with Ernst & Young
before joining Singer & Friedlander in 1995. At S&F he managed
top performing smaller company mandates including the S&F AIM
fund and was also head of tax efficient portfolios.
Richard joined Hargreave Hale August 2005, he is manager of
the firm’s Inheritance Tax Portfolio Service as well as investment
adviser to the Marlborough UK Multi-Cap Growth Fund. Richard
also runs substantial investment mandates for private clients.
Guy Feld
A graduate of Oxford University, Guy has a wealth of city
experience in both fund management and broking at BZW, UBS
and Teather & Greenwood. Guy joined the team as a research
adviser in 2003 and has a particular focus on the technology
sector and other ‘new economy’ and growth companies. Guy is
the co-adviser to several retail funds alongside Giles including
Marlborough’s UK Micro-Cap Growth Fund.
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DUE DILIGENCE
COLLECTIVES RESEARCH TEAM PROFILES
The Collectives Research team is a sub-set of the investment
committee and is responsible for the analysis of retail
collectives which feature on Hargreave Hale’s centralised
recommended fund list.
Matthew Rainbird
Matthew joined Hargreave Hale in 2008 having previously
worked for one of the UK’s largest investment management
firms in Manchester. Initially working on the dealing desk,
he was responsible for trading equities, fixed interest and
collective investments before moving into a team managing
pension funds, charitable funds and private client portfolios.
Since joining the branch, Matthew’s focus has continued to be
on managing bespoke portfolios for a range of clients. In 2012
he was appointed as branch manager. Matthew is a Chartered
Fellow of the Chartered Institute for Securities & Investments.
Richard Sneideris
Having graduated with a degree in Business Studies from
Leeds Metropolitan University, Richard began his career at
Deutsche Bank Private Wealth Management. In 2009 he joined
Quilter Private Wealth Management as a discretionary manager
responsible for HNW clients, financial advisers, solicitors,
accountants and trustees.
Richard joined Hargreave Hale in 2013 and is responsible
for managing private client mandates as well as developing
strategic relationships within the advisory community. Richard
holds Chartered Fellowship status with the Chartered Institute
for Securities and Investments.
Capital is at risk when investing in the stock market.
12
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
Aled Jones
Aled joined the firm in October 2010 as a graduate trainee
following his graduation from Cardiff University with a degree
in Business Management. He holds a Diploma in Investment
Advice (Securities) and provides our clients with a bilingual
dealing service as well as assisting the investment managers.
He is currently studying towards attaining his Chartered
Wealth Manager qualification. Aled is a Member of the
Chartered Institute for Securities & Investments.
Kamal Warraich
Kamal started his career in retail management, where he
worked for several years. In 2011 Kamal opted to leave retail
for a move into the field of data analytics. During this time he
worked for two lead providers of data management services,
supplying companies in both the Financial Services and Oil &
Gas sectors. Kamal joined Hargreave Hale in 2014 as a trainee
collectives analyst.
13
DUE DILIGENCE
FUND INVESTING
1 / The due diligence process for considering investment
into a particular fund solution
We analyse the sector and screen for the most suitable fund(s)
for a particular solution. The screening process involves
various factors such as performance analysis, risk assessment,
fund strategy and investment process.
Upon selecting funds for further review, we conduct extensive
due diligence involving an assessment of the fund’s regulatory
structure and reporting requirements. The final stage of the
process involves meeting with fund house representatives.
2 / The level of transparency required from such funds
With the exception of client confidentiality, we require
100% transparency in relation to a fund’s structure and also
from the fund house itself. Where pertinent information is
unavailable or not forthcoming, we will not invest within the
fund.
3 / The use of approved fund lists
Hargreave Hale maintains an approved list of over 90 funds
which is solely for internal use by investment managers.
Where there is a specific client requirement, investment
managers do have the ability to invest in ‘non-approved’ funds
but only after sufficient due diligence is undertaken.
Capital is at risk when investing in the stock market.
14
4 / Responsibility for monitoring and controlling
compliance of the funds in which the investment
manager invests
Investment transactions, especially those in collective funds,
are monitored by Hargreave Hale’s compliance department.
5 / The use of retail vs institutional funds
In all instances we would seek to purchase the most
cost effective share class available for clients. In most
circumstances this would be the institutional share class of
funds, where both initial and on-going fees are typically lower
than those of retail funds.
6 / Existing product/platform provider relationships
Hargreave Hale has relationships with a number of providers.
These include: – AXA Elevate, Canada Life, Dentons,
Hornbuckle Mitchell, James Hay, LV, SIPP Centre, Standard
Life, Suffolk Life.
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
TAX CONSIDERATIONS
1 / The provision of tax advice for clients
Our investment managers are knowledgeable
on tax and trust matters; however we do not offer
advice in these areas.
2 / UK tax reporting for clients
All clients receive a comprehensive annual tax
year-end pack.
3 / US tax reporting for clients
As a qualified intermediary with the IRS, we are
required to report US tax information about our clients.
4 / Our approach to capital gains tax management
We manage all discretionary portfolios with due regard
to potential capital gains tax liabilities and exemptions
levels for individual clients. However portfolios will be
managed on the basis where investment decisions
come before tax considerations, unless a client
expresses otherwise.
We will accommodate transfers of the majority of
holdings in-specie, avoiding crystallisation of any
potential CGT gains or losses when a client transfers
an existing portfolio management.
15
DUE DILIGENCE
CLIENT REPORTING
AND COMMUNICATIONS
1 / Frequency investment managers typically meet
with clients/advisers to keep them abreast of changes
to or developments within our product offering
There is no set frequency for client meetings, which are
held as often as required by the client.
2 / Availability of online services with access to valuations
Clients and their advisers have access to portfolio valuations
through our secure online Client Zone.
3 / Frequency that portfolio valuations are sent
out to clients
There is flexibility on the frequency of reporting.
Clients can elect to receive transaction statements
quarterly or six monthly.
4 / Generation/provision of historic client valuations
Historic valuations can be provided upon request.
Capital is at risk when investing in the stock market.
16
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
COMPLIANCE
AND INSURANCE
1 / Indicate the jurisdictions in which the company
is regulated for investment business
Hargreave Hale Limited is regulated in the UK, by the
Financial Conduct Authority. Our reference number is 209741.
Hargreave Hale Limited is authorised by the South African
Financial Services Board, to provide a narrow range of
financial services in South Africa. Our provider number
is 35307.
2 / Date of most recent review by your regulatory body
We have been involved in a number of thematic reviews
by FCA and its predecessor the FSA, on a range of subjects
including; remuneration, suitability and client assets.
We have never been visited by the South African FSB, however
we are required to provide them with a compliance report
each year.
3 / Provide details of any disciplinary action by regulators
in the last three years and any outstanding issues
None
4 / The policies/procedures in place to ensure sufficient
compliance, monitoring and control with regulatory
issues
We have an independent Compliance Department which is
based in our two largest offices; Blackpool and London. This
is headed up by our Compliance Director who also sits on
the main company board as well as serving on the Executive
Management Committee.
We also have an Audit and Compliance Committee which
is headed by a nonexecutive Director which reports to the
Board on regulatory matters and on the performance of the
Compliance Department.
Our compliance department is responsible for monitoring
the activities of Hargreave Hale’s registered individuals
and associated persons and conforming to all applicable
regulations. This team implement a series of proactive and
reactive monitoring programmes centred on the ‘Conduct of
Business’ rules on a risk based basis. The risk based program
is reviewed on a regular basis to ensure that it is tailored to
meet the demands of the business. Broadly, the obligations
of our compliance department can be broken down into four
major categories: compliance risk assessment, monitoring and
surveillance, reporting, and advisory.
The compliance team have six people who monitor and advise
management on regulatory expectations and another seven
people who review and process new client applications.
5 / Professional indemnity insurance
We hold a professional indemnity insurance and client policy
to the value of £10m.
6 / Please list membership of trade or industry
associations
Hargreave Hale is a full member of the Wealth Management
Association, the London Stock Exchange and TISA.
17
DUE DILIGENCE
CLIENT PROTECTION
Information for Clients
Hargreave Hale is authorised and regulated by the Financial
Conduct Authority (FCA).
The FCA requires firms to hold certain amount of capital in their
balance sheet, the value of which depends on the size of the
company and the nature of business that company undertakes.
Hargreave Hale has significantly more capital in its balance sheet
than is required by the FCA. Furthermore, Hargreave Hale has no
outstanding loans or other capital commitments. Over 35% of the
firm’s shares are effectively owned by the Directors and another
33% by the Investec banking group.
As a regulated company, Hargreave Hale is required to comply
with the FCA’s rules and principles. Two of the statutory objectives
for the FCA are maintaining confidence in the UK financial system
and protecting consumers. The FCA sets high standards for client
protection. Hargreave Hale understands the importance of client
protection, this forms parts of our commitment to their security.
Client Assets
Investments held by Hargreave Hale on behalf of our clients are
generally registered or recorded in the name of our nominee
company (Hargreave Hale Nominees Limited), and held on
a pooled basis. Any investments that we are unable to hold
within our nominee company will be held by an external eligible
custodian in an account whose name reflects the fact that the
assets are being held for our clients and not for ourselves.
Hargreave Hale has adequate systems and controls that provide
regular reconciliations of stock accounts with our custodians.
Our nominee company is wholly owned by Hargreave Hale
Limited and is not used for any purpose other than to register the
assets of Hargreave Hale Limited clients so that those assets are
segregated from our own assets.
18
Capital is at risk when investing in the stock market.
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
Client Money
Money held by Hargreave Hale on behalf of clients is held in
accordance with FCA’s Client Money Rules. Hargreave Hale
has adequate systems and controls that provide regular
reconciliations of cash accounts with our bankers and
custodians.
Our Custodians and Bankers
Our custodians and bankers are carefully selected and
reviewed by Hargreave Hale on an annual basis. Hargreave
Hale only uses UK clearing banks for client money and
large well established depositaries for assets. Banks and
depositaries used by Hargreave Hale may change depending
on the outcome of our regular monitoring. Details of our
custodians are available upon request.
Our Insurance
Hargreave Hale has its own insurance cover to provide
protection in the unlikely event of a claim. This covers such
things as fraud, theft, wilful default or negligence.
If Hargreave Hale goes into default
As stated previously, client money and assets held by
Hargreave Hale are segregated and ring fenced from those
of Hargreave Hale, in the event that Hargreave Hale itself
defaults, client money and assets cannot be used to cover
Hargreave Hale’s losses.
Financial Services Compensation Scheme
As an authorised firm, eligible clients of Hargreave Hale are
protected by the Financial Services Compensation Scheme
(FSCS). This seeks to offer a level of guarantee in the event
that a financial services firm should default and not all assets
can be recovered. For details of this scheme please visit:
www.fscs.org.uk
19
DUE DILIGENCE
COMPANY STRUCTURE
CORPORATE GOVERNANCE
BASIC DETAIL:
Top Shareholders
67% – Hargreave Hale Directors, Current and Ex Staff & Directors
33% – Investec Bank
Company Name:
Hargreave Hale Limited
Website:
www.hargreave-hale.co.uk
Chairman:
Giles Hargreave
Joint Managing Directors:
Stuart Brookes and Lee Finlayson
Compliance Director:
David Clueit
Company Structure:
Private Limited Company
Regulatory Status:
Regulated by FCA and the
South African Financial Service Board
FCA Number:
209741
FCA Permissions:
Limited Activity
Client Money:
Held in segregated accounts with
RBS in accordance with CASS rules
Registered Office:
9-11 Neptune Court, Hallam Way, Blackpool, FY4 5LZ
Registered Number:
3146580
20
Executive Directors
Giles Hargreave – Chairman
Stuart Brookes – Joint Managing Director
Lee Finlayson – Joint Managing Director
David Clueit – Compliance Director
Adam Caplan
Richard Hallett
Richard Pollitzer
George Finlay
Non Executive Directors
Terry McCaughey – (Independent)
David Stewart – (Independent)
Alan Tapnack – (Investec)
Personnel
200+ permanent staff
70+ are fully qualified
Investment Managers
and trainees
HARGREAVE HALE
INDIVIDUAL . INTELLIGENT . INVESTMENT
OUR REGIONAL NETWORK
LONDON
Accurist House
44 Baker Street
London, W1U 7AL
T | 020 7009 4900
F | 020 7009 4999
E | london@hargreave.com
BANGOR
Second Floor
30 Dean Street, Bangor
Gwynedd, LL57 1UR
T | 01248 353 242
F | 01248 361 745
E | bangor@hargreave.com
BLACKPOOL
4 Neptune Court
Hallam Way
Blackpool, FY4 5LZ
T | 01253 621 575
F | 01253 764 894
E | blackpool@hargreave.com
CARLISLE
10b Clifford Court
Cooper Way, Parkhouse
Carlisle, CA3 0JG
T | 01228 515 224
F | 01228 514 721
E | carlisle@hargreave.com
LANCASTER
25 Brock Street
Lancaster, LA1 1UR
YORK
23 High Petergate
York, YO1 7HS
T | 01524 541 560
F | 01524 541 569
E | lancaster@hargreave.com
T | 01904 232 780
F | 01904 625 355
E | york@hargreave.com
NORWICH
Suite 4, Ground Floor
13 – 15 St Georges Street
Norwich, NR3 1AB
HARGREAVE HALE
SETTLEMENT OFFICE
9-11 Neptune Court
Hallam Way
Blackpool, FY4 5LZ
T | 01603 567120
E | norwich@hargreave.com
NOTTINGHAM
The Point , Loughborough Road
West Bridgford
Nottingham, NG2 7QW
T | 0115 896 5840
E | nottingham@hargreave.com
WORCESTER
Saggar House
Princes Drive
Worcester, WR1 2PG
T: 01905 723 551
F: 01905 356 554
E: worcester@hargreave.com
T | 01253 754 700
F | 01253 792 012
E | settlements@hargreave.com
Telephone calls may be recorded.
Member of the Wealth Management Association. Authorised and regulated
by the Financial Conduct Authority. FCA Number 209741. The company is
incorporated in England and Wales, Company No. 3146580. The registered
office is at 9–11 Neptune Court, Hallam Way, Blackpool, FY4 5LZ.