About Amber River HDA
Amber River HDA is a well-established firm of independent Chartered Financial Planners with a distinguished history dating back to 1986 when it was founded as Hugh Davies Associates. With nearly 40 years of experience serving clients across Gloucestershire and the Cotswolds, the firm joined the respected Amber River Group in January 2022, combining its long-standing local reputation with the resources and expertise of a larger national network. Operating from offices in Cheltenham (Southam) and Malvern, Amber River HDA has built deep roots in the local community while maintaining the highest professional standards through their Chartered status and FCA authorisation.
The firm offers comprehensive independent financial planning and wealth management services, with particular expertise in investment advice, pension planning, tax-efficient strategies, and holistic wealth management for individuals, families, and businesses. Clients benefit from working with Chartered Financial Planners who combine decades of experience with ongoing professional development, ensuring advice reflects the latest regulatory changes, tax rules, and investment strategies. Amber River HDA's independence means they can select solutions from across the entire UK market, ensuring recommendations are driven by client needs rather than product provider commissions or commercial tie-ins.
What truly distinguishes Amber River HDA is their longevity and the multi-generational relationships they've built with Cotswolds families. Many clients have worked with the firm for 20, 30, or even approaching 40 years, benefiting from continuity of advice as their financial lives have evolved from early career through wealth accumulation, retirement planning, and eventual estate planning. This long-term perspective enables advisers to provide context and insight that newer firms simply cannot match. For Cheltenham and Cotswolds residents seeking an established, Chartered firm with deep local roots, decades of experience, and the stability of being part of a respected national group, Amber River HDA represents an excellent choice. Their combination of heritage, expertise, and genuine independence makes them a trusted name in Cotswolds financial planning.
Fee Structure
Amber River HDA operates on a Fee-only basis. This means you pay a clear, upfront fee for advice with no hidden commissions from product providers.
For detailed information about typical financial advisor fees in the Cotswolds, including what you should expect to pay and how to avoid overpaying, read our comprehensive fee guide.
💡 Before Your First Meeting: Always verify FCA registration at register.fca.org.uk and request a clear written fee schedule. A reputable advisor will happily provide both. Read our guide to choosing a financial advisor for more tips.