| | Meet The Team Howard Reuben - Practice Principal, & Independent Financial Consultant Member of the Chartered Insurance Institute by Diploma Member of the Society of Mortgage Professionals Member of the Personal Finance Society Howard Reuben is a Registered Paralegal & Member of the Institute of Paralegals Howard's designations include Cert PFS, Cert CII (MP), aff.SWW & R.Inst.Pa Bio - My start
'in business' was in January 1986 (a few days before my 20th birthday) when I became the owner of a retail jewellery
Company. Whilst developing this Firm I simultaneously continued my industry training at the prestigious College for the Distributive Trades in Leicester Square, London, and I
successfully secured the R.J. Diploma which was awarded to me by the then Home Secretary at Goldsmiths College. When the recession of the late 80's early 90's
hit the UK economy, I saw the writing on the wall for luxury trades and I shifted my career
path to a 'necessity' trade. I
therefore bought a catering Company which over a period of 4 years was built into a small chain of sandwich bars including a mobile delivery service. The philosophy behind buying my first sandwich shop was that everyone has to eat - not everyone needs a new diamond ring every day! Ultimately, a proposition was presented to me to enter the world of financial services and after some deliberation, the shops and business were successfully sold.
That was in 1993 and since then the Company has developed and we have evolved into a multi-faceted financial services organisation. I have grown this business from a 'one man band' into a successful Practice with a team of professional IFA's and mortgage consultants based on referrals and professional introductions. (see my personal testimonials below and our Company testimonials). I continued my migration from east London, via Sawbridgeworth (great village / 15 pubs!) and Hatfield Broad Oak (a remote cottage in this Hertfordshire forest) and also via Hatfield Peverel near Chelmsford (where my children were born) until in 1999 I settled with my wife and 3 heirs in the town of Colchester. Along the way I have also continued my professional development training and I have successfully achieved the CeMap qualification as well as the full FPC. In addition, I am authorised and trained to advise on many areas of financial services including PMI, Corporate / Group schemes and Commercial Finance. In addition, since 1995, I have been taking instructions for Wills, Trusts and providing advice and guidance on Estate Administration as a legal services provider. In March 2012, I was advised by the Institute of Paralegals that "the Membership Committee unanimously elected you as a Registered Paralegal". My specialist area of legal services is advising on Wills, Trusts and providing advice and guidance to Executors and Trustees. As a
long standing member of the Society of Will Writers and Estate Planning Practitioners, I continue my CPD training on a regular basis. My
role as Principal of H D Consultants enables me to ensure that
the whole Company always provides a professional,
comprehensive and 'Client-focused' range of products and
services. An overview of our services and terms of
business can be seen here. Contact details; More team members >> Stephen Pears David Catchpole Chris Fenley Caroline Maguire Diane Reuben >> Our qualifications Personal Testimonials | Martin Wilson, ex-Chairman, Personal Touch Financial services Limited “I have known Howard for several years. I admire his enthusiasm and work ethic. He is easy to get along with and employs high moral standards.” | Paul McGonigle, Owner, Positive Lending Limited “I've worked with Howard, and known Howard for many years. Howard is an extremely driven and dynamic individual. He is creative and has been very innovative within his industry. I would have no problem recommending Howard for anything” | | Dev Malle, Sales & Marketing Director, Personal Touch FS “Howard is a positive, solutions based individual who will think out of the box to provide results for his clients and his team.” | Danny Nieberg - Client Top qualities: Expert, Good Value, High Integrity first hired Howard as a Financial Advisor in 2005 | | Paul Flavin, Managing Director, Miura Financial Solutions Ltd “I have no hesitation in recommending Howard Reuben and his company HD Consultants. In the many years I have worked with Howard I have always found him both professional & diligent in dealing with the tasks set. This, married to his friendly customer approach has & will prove a winning formula for his company.” | David Crowley Aff CIBSE MBIFM, - Client Top qualities: Great Results, Personable, Expert hired Howard as a Financial Advisor in 2010 “Howard is the "go to" guy for all things financial. Howard sorted out my new mortgage and life insurance, improved the packages I hold and saved me money. Howard also keeps you updated in every step of the process. I cannot recommend Howard highly enough. Fantastic service and a pleasure to deal with. Howard is definitely on my Christmas card list.” | | Peter Turner, Commercial Director, AToM (All Types of Mortgages Ltd) “Howard is always looking for the best deal for his clients and provides the correct information first time so a quick decision can be made to everybody’s satisfaction.” | Martin Wilcocks, Chief Executive, Wilcocks & Associates “Howard is always on the front foot looking at ways in which to bring value into his business. Through the HD Group he has provided a sound base for professionals operating in financial services markets, allowing them to apply their trade in a safe, controlled and innovative environment. I have no hesitation in endorsing Howard’s position and I very much hope that our companies explore ways in which we could conduct business with one another in the not to distant future.” | | Paul Cunningham, T&C Supervisor, Personal Touch Financial Services Limited “Howard is a devoted professional. He is passionate about best advice and client care. He has an eye for detail!” | | Neil Laughton, Owner, Clear Consulting “I provided compliance services for Howard and his team, during this time I found him and his team to be very aware of their responsibilities, an excellent eye to detail and a genuine desire to provide exceptional customer service. I have no hesitation in recommending Howard to any future business partners” | Lyn Perrett, IFA Business Development Manager, Personal Touch Financial Services Limited “During the years I have known Howard, he has always acted in a very professional manner. I have found him to be very approachable, polite and helpful.” | | From Matthew Campbell - Client “Howard knows and understands the business extremely well and is therefore in a position to offer a balanced and objective solution for his clients. He is reliable, driven and determined but maintains an affability which draws people to him and allows him to get to know his clients and their individual needs.
His product knowledge is exceptional across types which allows him to tailor a complete solution for his clients which they can be confident will fulfil their requirements.” May 10, 2011
Howard's Top qualities: Great Results, Expert, High Integrity | | Andi Baron Production Consultant May 2, 2011 - Client “We have always found Howard a reliable, cost effective and efficient person to work with. He has been able to turn complicated requests around with the minimum of fuss and bother, and has the most brilliant "can do" attitude.
Would strongly recommend him and his company! | |
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01206 577 266 - phone 
08717 334 367 - fax 
office @ hdconsultants.net 
hdconsultants 
