What are your retirement dreams?

By | 06.2018|Pensions, Retirement Planning|

Retirement is a time for you to do the things you've always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen once you've retired that may impact your budget. Thinking about these early could help you when you're deciding the best way to take [...]

Inheritance Tax & AIM

By | 05.2018|Inheritance Tax|

We are always seeking solutions for our clients and looking to provide products that will help them manage their assets more efficiently, with the aim of protecting and growing their wealth for the future. Preparing for Inheritance Tax (IHT) is an area that regularly impacts on our clients’ financial and legal planning. Across HWM, depending [...]

Financial resilience and peace of mind

By | 03.2018|Income Protection|

Serious illness or injury can occur at any time and will inevitably cause strain on families financially, as well as personally. Income Protection insurance is designed to provide cover if you can’t earn an income for a number of specified reasons. It provides a financial resilience to individuals and households and gives peace of mind. Help to support you financially If [...]

It’s all in the preparation…

By | 02.2018|Estate Planning|

Getting your affairs in order and planning what you want to pass on to loved ones, whether it’s while you’re alive or after you’ve passed away, is really important. Not only does it mean that your wishes can be carried out but it can also help reduce the emotional and financial burden on loved ones at an already difficult time. [...]

5 conversational topics about inheritance to have with your loved ones

By | 02.2018|Estate Planning|

We know inheritance and what needs to happen once you pass is never an easy conversation to approach, therefore we offer 5 ways in which you could make the conversation a little easier. 1. The importance of an up-to-date Will When you are making a Will, this is a good time to talk to your family [...]

Protecting, preserving or ultimately distributing your wealth

By | 12.2017|Protection|

Ensuring that you have adequate financial protection for you, your family and any dependants is an important element of financial planning. As a healthy working person with a good income, you may feel reasonably confident that you are able to provide for your family. However, your finances could be more precarious than you think. No matter what the current [...]

Avoid Getting Tied Up in Knots by the RNRB

By | 09.2017|Inheritance Tax, Uncategorised|

It is fair to say a simple concept has turned out to be a complex reality, which raises a number of planning questions and concerns for advisers and clients. The current level of Nil Rate Band (NRB), set at £325,000 from April 2009, has been frozen at that level ever since and is due to [...]

When The Unexpected Happens

By | 08.2017|Protection|

Andy Rolph from Grosvenor Insurance Brokers has taken some time to write this article on the importance of protection and how his firm can help you. Your home is way more than merely a collection of bricks and mortar with a roof on top. For all of us it’s a safe environment where we bring [...]

Planning for Long Term Care

By | 08.2017|Long Term Care Planning|

It’s a concern for many people how they will pay the cost of care either for themselves or for a loved one. The reality is that most people will be expected to pay something towards these costs. With the UK’s population ageing, more people will be living with long-term care needs. There are a number [...]

Inheritance Tax – What are the numbers?

By | 06.2017|Inheritance Tax|

As of April 2017, the new Inheritance tax (IHT) rules have come into force, but what do they mean? As it stands each person in the UK has a Nil Rate Band (NRB).  The NRB is the amount that you have within your estate before you pay any Inheritance tax.  For any type of asset [...]