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Harry Antoniou

Financial Adviser DipFA, CeMAP® in Watford

A little bit about Harry

As a qualified Financial Adviser, I provide comprehensive financial planning services tailored to each client’s individual circumstances. I work closely with individuals, families, trustees, estate representatives, and business owners to design and implement strategic financial plans aligned with their objectives. These may include wealth accumulation, protection, preservation, and the efficient transfer of assets to future generations using tax‑efficient vehicles and strategies.

My approach to client engagement is holistic and transparent, with a strong focus on simplifying complex financial matters such as investment planning, tax‑efficient savings, retirement planning, risk management and inheritance planning. Every client’s situation is unique, which is why each plan is carefully structured to deliver appropriate, practical, and well‑managed solutions that can adapt as circumstances change throughout life.

Find out more about me below.

Start the conversation

Speak to me if you want to access potentially better interest rates for your cash savings and enjoy an extra financial boost.
Contact me today

An adviser’s insight

Graphic of people stood in front of phones showing the CashHub

Aim to maximise your cash savings

It might shock you to know that 28% of people hold their cash in interest-free savings accounts(1), receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.

This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit(2). So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.

If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.

1 Building Societies Association Sept 2024
2 The Lang Cat: Cash as an asset class survey June 2024

Cash on deposit advice is not regulated by the Financial Conduct Authority.

Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

General Insurance

Home contents insurance, buildings insurance.

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Mortgage

First time buyers, remortgages, buy-to-let.

Qualifications

Certificate in Mortgage Advice and Practice - Level 3

  • CeMAP is the benchmark qualification for individuals aspiring to become mortgage advisers. It gives the skills, knowledge and certifications to deliver mortgage advice and practice.

Diploma in Investment Advice

  • The Diploma in Investment Advice provides a sound grounding in UK financial services and consumer relationships, including exchange traded futures and options and financial protection.

Location

Harry's location

Watford
London
United Kingdom

Harry offers expert financial advice covering Watford, St Albans, North London and Hertfordshire region.

More about me

I am an Associate Member of the Chartered Institute for Securities & Investments and hold additional qualifications from the London Institute of Banking & Finance. My passion for financial planning developed through earlier roles in asset management and property finance, where I gained first‑hand experience of the complexities of wealth management whilst working closely with high‑net‑worth clients alongside a leading financial services firm.

Over the past 17 years, I have worked extensively with large corporations, leading accountancy firms, top‑tier legal firms, REITs, a UK FTSE 250 company, trusts, families, and individuals in relation to estate and asset management services.

Building on this experience, I completed my financial planning qualifications and went on to partner with Quilter, allowing me to combine practical, real‑world expertise with structured financial planning to better support clients in achieving their long‑term objectives.

Outside of work, I maintain an active lifestyle through fitness, football, paddle tennis, and sailing in Greece during the summer months. I also have a keen interest in motorsports and enjoy travelling with my family.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Financial Services Ltd & Quilter Financial Ltd on 19 March 2026.