About Andy, Lifestyle Financial Planner

I’m Andy Bennett, a lifestyle financial planner, and I’ve spent my entire career in financial services – that may not sound very interesting, but it does mean I know more than most about money and lifestyle financial planning…

And, there ARE a couple of interesting facts from my past – when I first left school I made tennis balls for Wimbledon – I was responsible for making sure John McEnroe’s balls bounced correctly!

And I starred in a Ken Loach feature film, Black Jack. The film is little-known, even though it did win a critics’ prize at the 1979 Cannes Film Festival. The film was the start and finish of my illustrious child-acting career, and was an amazing experience! Black Jack is available on DVD from Amazon, check it out!

Leaving behind my brush with movie stardom, I started in 1984 with Refuge Assurance Home Service as a traditional insurance man. I have since worked for Eagle Star, Barnsley Building Society, HSBC (as both a personal and corporate advisor) and Santander. I became an IFA in 2005 and most recently I have worked with Unique Wealth Management.

You don’t really need to know any of this, other than to give you the confidence that I have the qualifications, expertise, and experience to work with you on your lifestyle financial planning.

After conducting my OWN lifestyle financial planning, I set up Hartcliff.  Hartcliff reflects my passion for helping people to gain financial peace of mind.

About Sam Lowe, Paraplanner/Office Manager

Sam is a key component of the Hartcliff Team, supporting Andy, making sure the office runs smoothly and efficiently for clients. More importantly, she is the friendly voice at the end of the phone , always happy and willing to help, when any clients call. She has a can do attitude and provides essential back up from Office Management to preparation of client reports and files.

Sam has been in financial service since 1994 working in both client facing and support roles for a Variety of Organisations such as Abbey National, Equitable life and St James Place Partnership as well as being a mortgage advisor with Carrington Carr and Premier mortgage Centre.

Sam met Andy when they both worked together at Blake Independent and then again at Unique Wealth Management. Sam was actually leaving Unique to pursue another career opportunity but offered to come help Andy set up Hartcliff , and never left! “We work so well together it seemed such a natural fit as both Andy and I have the same views and values when it comes to providing excellent customer Focussed service to our clients”

Outside work Sam likes to travel and has visited lots of different places in Europe and the America’s. One particular trip to Mexico with her partner was memorable for the wrong reason. They arrived at their Hotel in time to get caught up in the worst rain storms in living memory and spent several days confined to the hotel watching cars, trees and other debris being washed down the street outside. That definitely wasn’t in the Brochure!

She has also recently completed the Couch to 5K challenge , and also, as a keen tennis fan , was thrilled to get Centre Court Tickets for Wimbledon and see Rafa Nadal play, although was equally thrilled to have her photo taken with Tess Daly whilst there!

What people are saying

Andy has looked after our finances for more than ten years now and his advice and assistance has been outstanding. He has helped us through difficult economic times with sound investment advice to protect and enhance our savings for the future.

He has also helped our wider family members with other financial issues and tax matters and has always responded very quickly and positively to any request, large or small.

Andy has our full confidence. He is always impressed us with his wide knowledge and experience in financial planning and tax issues and his friendly and easy manner makes him a pleasure to work with.

Pat and Louise from Harrogate

Andy Bennett’s Financial Planning advise is personally tailored to suit our needs and priorities for our families future by taking the whole picture into account.

Andy’s expertise and exceptional ability to explain complex jargon in an easy to understand way made us feel at ease and gave us the confidence to make the right decisions with the options offered, making us feel comfortable that the team care enough to oversee our investments to give us a secure financial future.

We wholeheartedly recommend their services.

Steve and Heather from Huddersfield

I can be your financial sat nav.

I’ll help you to navigate past hold-ups, advise you on the best routes to take, and most importantly, avoid dead-ends or dodgy short cuts. I get you where you need to be in the most efficient way. Trust me, after 32 years within the financial industry, I’ve had my maps updated many times.

I’ve worked hard to nurture a solid reputation over the years, and as you’ll discover, my experience will serve you well.

So, let’s get started…



Hartcliff is a trading name of Hartcliff Limited, which is a limited company registered in England & Wales
No. 09321837 Registered Office: Marland House, 13 Huddersfield Road, Barnsley, S70 2LW

Hartcliff Limited is an appointed representative of Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority

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