Our Services
We have found Andrew is very transparent about the charges he makes for his services and we feel gives great value for money.
Andrew is the only financial adviser I have dealt with that I trust, and I have dealt with quite a few. I find his advice clear and honest.
Trustworthy, Intelligent, and Creative. Could not think of a better person to look after my wealth.
We now have a lovely new home and financial security, what more could you ask of a financial advisor. Thanks Claire
Claire explains often complicated financial products in a way which allows us to make informed decisions based on her sound advice on the various options on the market.
We all have our individual aims and needs so you cannot simply pick a standard option and expect it to work for you.
Take advice from Chartered Financial Advisers at an early stage and get on track. Even if you already have investments it is never too late to make adjustments to fit with your personal needs.
Do not forget that once you have a retirement and pension plan it needs to be kept under review. Circumstances change and plans therefore need to change as well. An annual check is usually often enough but if you have a major change in your life or future intentions at any time then a review of your retirement plans at that time is vital.
There are two distinct areas of retirement and pension’s advice that our financial planners advise on:
- Ensuring you have enough income and capital to fund your retirement years. Retirement can be as long as your working life in some cases and ensuring you have the correct financial plan to help you achieve a prosperous retirement is crucial. To achieve this aim we begin with a detailed review of your financial and retirement objectives, including a cashflow analysis to ascertain your retirement expenditure, and finally a full review of your existing retirement and investment plans to check they are still suitable for you and if not what amendments would optimise your goals.
- Having built up sufficient assets looking at how best to draw from those assets based on your needs and circumstances. We often find clients have very different requirements in retirement, some wish to phase their retirement, some have extensive travel plans and many still have to factor in dependent children. Changes in pension legislation have probably caused confusion for many, however the extra flexibility means pensions can now facilitate much more effective retirement planning.
Whilst in many ways these two areas of financial advice are separate they need to be considered together, after all if you don’t know how you want your retirement it is difficult to plan how to get there. This is because how you intend to take income in retirement will affect the way you look to build those assets, particularly as you get close to retirement. Choosing the right investment wrappers pre-retirement can open up many more options when you come to retire.
Having taken these points into account the other major consideration is to ensure that the retirement plans that are put in place are personal to you. We believe partnering with the right financial adviser is crucial, and agreeing a long term relationship with a professional who is able to manage you up to and throughout retirement is one of the most important decisions you will make.
If you are looking for pensions advice and are based in the Yorkshire area, please do not hesitate to contact our chartered financial advice team in Slaithwaite by calling 0113 350 2080.
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Our Services
At Heritage we feel the initial crucial step in the strategic planning process is to develop a thorough understanding of your current financial position, as well as ascertain your goals and objectives.
We all have our individual needs so its best to take early advice to get on track. Choosing the right investment wrappers pre-retirement can open up many more options when you come to retire.
Investing can have a vital role to play in meeting individual needs. From experience, we find the best results are achieved when there is a simple, clear understanding of those objectives.
Dealing with the estate of a loved one can cause substantial distress to families. We have a number of trained strategic partners who work alongside us to provide our clients a tailored package to suit specific client needs.
A crucial part of any financial planning strategy is to consider what action should be taken in order to protect you and your family from the effects of premature death, accident or serious illness.
At Heritage we feel the initial crucial step in the strategic planning process is to develop a thorough understanding of your current financial position, as well as ascertain your goals and objectives.
