Professional Financial Advice

Herts & Essex Financial Services Limited

At Herts & Essex Financial Services we are experienced in guiding client’s through the financial minefield. You, your business & your family’s financial security is our mission, now and in the future. None of us know what the future holds. We can help you in preparing for any financial eventuality, steer you past the financial hurdles and make your journey through life that bit smoother.

We have a wide experience of the financial services sector and we currently advise small companies and private individuals on Group Pensions, Employee Benefits, Key-Man Share Protection, Partnership Protection, Business Life Insurance, Income Protection, Estate Planning, Investments, Residential/Buy-to-Let/Commercial Mortgages, and Equity Release.

We often meet clients at their place of work or their homes, but we also welcome visits to our offices. We work closely with other professionals such as accountants, solicitors, business transfer agents and general insurance brokers to deliver a seamless service to you.

We have access to specialist investment research & support services covering the whole market.

Our goal is to provide outstanding levels of customer satisfaction, and to thereby keep them for life.

We really endeavour to know and understand our local area and will continue to be small enough to care, yet large enough to deliver.

Our Expertise

A particular area of expertise is the provision of advice and services to the self-employed and small businesses owners.

We offer you the benefit of:

  • Fully independent advice based on your individual needs – we work for you – not for a Bank or Product Provider.
  • Expert advice in all areas of Business and Personal Financial Planning.
  • We continue to modernise and update our research and support systems, to offer you the best ongoing service available.

In short we offer a comprehensive package of services centered on protecting and enhancing your financial wellbeing.

To find out more, why not take our ‘Financial Health Check’. Now is the time to take control of your finances

Contact us for a Free Initial Meeting. Don’t leave the financial security for you and your business or loved ones to chance.

Veryl Joe - Managing Director of Herts and Essex

Veryl Joe CeMap, Director/IFA Adviser

T: 01462 458863


Veryl is highly experienced in guiding clients through the financial minefield. He started his career as an Adviser with a major Life Insurance company and became an Independent Financial Adviser where he set up his own practice in Hertfordshire.

He provides expert advice in all areas of business and personal financial planning.


  • Tennis - enjoys playing for the local team
  • Cycling
  • Football (spectator)
  • Cricket

Joan Joe - Managing Director of Herts and Essex

Joan Joe, BSc (Hons) Econ, Head of Administration

T: 01462 458863


Joan’s experience has been in administration, training and marketing in Life Assurance Companies and Fund Management Houses.


  • Fitness classes
  • Walking
  • Reading

Andy Mutton, Paraplanner

T: 01462 458863


I am a Diploma Qualified Paraplanner and have over 12 years’ experience in the financial services industry.

I joined Herts and Essex Financial Services in September 2019 and my main focus is supporting the advisers with technical research and analysis to enable us to come up with the most suitable outcomes and recommendations for our clients.

Outside work I am a keen runner and have ran several marathons, including New York, London and Berlin. I also enjoy watching football and have been a season ticket holder at Brentford for several years.

Matthew Higgs - Managing Director of Herts and Essex

Matthew Higgs, Administrator

T: 01462 458863


Matthew joined the team in November 2017 with a background in sales administration for a Leading Insurance Provider.

He is currently working towards a level 4 Investment Advice Diploma in Financial Planning & Advice.


  • Live music
  • Piano
  • Reading