Author: richard
Help to Buy ISA – how have they done…
Ms J Dance
Richard has been providing me with sound financial advice and information for the past 7 years, particularly in the areas of pensions and mortgages. He has helped me prepare for my future while enabling me to live now – despite my ever-changing financial circumstances. I have found him to be helpful, personal and prompt and I trust his advice. He has helped me greatly and alleviated the anxiety I feel about financial matters, for which I am very grateful. I would (and have) recommended him to everyone.
Mr J Miller
From company pensions and life insurance to property portfolios and mortgage guidance, Richard Hawkings has provided me with more than a decade of friendly, professional and exemplary financial advice.
Professionals
We believe that holistic financial planning and advice can add significant value to our professional clients. After a busy day it can often feel like a real chore to sort out your finances. However, planning for your future is important and if you aren’t going to look after your finances then who is?
Working closely with an Adviser can not only save you time but also help you plan for your financial freedom. We can do all the work for you, explain your options and help you understand the upsides and downsides, giving you totally impartial independent advice.
Retirees
As we all live longer making the right decisions at and in retirement is becoming increasingly important, for example, which vehicle do you use to provide an income, – an annuity, capped pension drawdown or phased retirement?
However its not just about retirement income. You may be concerned about the financial impact on your family if you were to go into a nursing home, or the amount of inheritance tax that will be paid on your death. We can help you pass on the assets you want to leave, to the people you want to receive them, at the right time and in the most tax efficient way.
Business Owners
If you run your own business then there are often big demands on your time. We can assist you and advise you in the areas below to help you save that valuable time. We also provide an ongoing service which includes regular reviews of your plan to ensure they remain on track. Please note that ongoing servicing is an additional service and comes at an additional charge.
- Death In Service arrangements
- Private Medical Insurance – Executive or group
- Income Protection Insurance (often thought of as insurance based sick pay schemes)
- Tax Planning
- Auto enrolment
- Executive and Director Pensions planning
- Self Invested Pension Planning (SIPP)
- Partnership Agreements
- Small Self-Administered Pension Schemes (SSAS)
- Keyman Protection – Life and / or Critical
- Shareholder protection
If you think you may benefit from advice and guidance to achieve financial peace of mind then call us on 07971 287517 or drop us a line here.
Disclaimers:
- The Financial Conduct Authority does not regulate Tax planning
- The value of pensions and investment and the income they produce can go down as well as up and you may not get back the full amount that you originally invested.
Lifetime Cashflow Planning
What is lifetime cash flow planning?
The old adage “if you fail to plan, you are planning to fail” is as relevant today as ever and, despite the unpredictability of investing, is the key to long-term financial security. Lifetime Cashflow Modelling is aimed at individuals, to help them to identify, achieve and maintain their desired future lifestyle, without the fear of running out of money, whatever happens.
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