I offer advice about...
Investments
Pensions
Protection
Tax and Estate Planning
Lifetime Cashflow Planning
Investments
Ensuring your money works hard for you can be difficult. You can be faced with a bewildering array of choices, and there are other considerations: ‘What investment vehicle should I use?’ ‘Does it align with my tax status?’
At Hesketh Financial Planning, through listening to your needs, and through meticulous research on the funds and products out there, we can find the options that are suitable for you.
We have experience in advising on all manner of investment products; and because we’re independent, we examine the whole of the market and are not limited in the plans we recommend.
Pensions
Most of us want a retirement, where we can afford to keep doing many of the activities that we enjoy. Building a retirement pot that will take care of your needs requires careful planning, and getting the right pension advice as early as possible can increase the likelihood that your retirement will be a comfortable one.
We advise on all manner of pension wrappers, from personal pensions, to selecting SIPPS and SSASs where circumstances warrant them.
Protection
As 2020 has shown, Life can be very unpredictable. Ensuring you have the right life and critical illness cover in place can be vital in protecting the financial security of your family.
If you run a business, you may wish to consider ensuring you have sufficient protection in place should anything befall key employees, your fellow directors or shareholders.
We can advise on all forms of protection: life assurance, critical illness, business protection, mortgage cover; and from all providers.
Tax and Estate Planning
A key goal for many people is to pass on as much of their accumulated wealth to their loved ones as possible.
Legislation on Inheritance Tax and Pensions is constantly changing, and being on the right side of those changes, so that you don’t proffer more in taxes than you need to, is often a case of careful planning.
We have significant experience in dealing with family wealth, reviewing and reorganising people’s affairs to maximise the amount that can be passed on to their families.
We can also advise on investment products that are aligned to these objectives.
Lifetime Cashflow Planning
Setting financial goals, be it retirement or university fees, usually requires a plan. Sitting down and plotting those assets, your income and expenditure and projecting forward will usually increase the likelihood of those objectives being met.
We are experienced I advising in goal setting and working with clients to ensure those goals are met.
We have access to powerful software that can produce a lifetime cashflow and can demonstrate clearly what course of action is required.