01446 771949/773669 info@hppltd.co.uk

Our Services

To reach your financial goals you need a realistic and comprehensive plan.

We’re here to help create that vision and to put it into action. Our aim is to give you objective advice about the choices available to you so that you can make informed decisions.

We work in the following areas to make a lasting, positive impact on your financial future:

Investment Management

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

When it comes to investing, it’s as much about managing the potential downside as it is about targeting potential gains. Generally, higher returns come with higher risk, and professional financial advice can help you think about your attitude to risk before making any recommendations. It’s also important to make sure your portfolio has the right balance for your risk profile by diversifying across asset classes, regions, providers and products as applicable.

It is also likely that the balance of the investments in your portfolio will need to evolve, not only in line with changing market conditions, but also with factors such as your investment goals, your personal circumstances and perhaps most notably your age.

To discover how we can help you build a long-term strategy for your investments, please contact us – we look forward to hearing from you.

Please note that as is the case with all investments, your investment may fall in value and you may get back less than you invested.

Estate Planning

Protecting  assets so that they go to the right person at the right time is something that we all want to do, but sometimes postpone looking at. Providing your loved ones with lasting benefits needs careful planning now however. We can help you with a range of measures to ensure that your estate holds its maximum value and we’ve outlined these below.

1. MAKE A WILL

A vital element of effective estate planning is to make a Will which ensures your assets are distributed in accordance with your wishes. This is particularly important if you have a spouse or partner, as there is no Inheritance Tax payable between the two of you, but there could be tax payable if you die without a Will and assets end up going to other relatives.

2. MAKE ALLLOWABLE GIFTS

You can give cash or gifts worth up to £3,000 in total each tax year, and these will be exempt from Inheritance Tax when you die. To find out more about other gifts you can make, call us for an informal discussion.

3. GIVE AWAY YOUR ASSETS

Parents are increasingly providing children with funds to help them buy their own home. This can be done through a gift, and, provided the parents survive for seven years after making it, the money automatically ends up outside their estate for Inheritance Tax calculations – irrespective of size.

4. MAKE USE OF TRUSTS

Assets can be put in trust, thereby no longer forming part of the estate. There are many types of trust available and whilst it can seem daunting to put money away in this way,  they can be unwound in the event of a family crisis and monies returned to you via the beneficiaries.

5. THE INCOME OVER EXPENDITURE RULE

As well as putting lump sums into a trust, you can also make monthly contributions into certain savings or insurance policies and put them in trust. The monthly contributions are potentially subject to Inheritance Tax, but, if you can prove that these payments are not compromising your standard of living, they are exempt.

Will and Trusts are a particular area of expertise for us, and if you’d like to know more about how and why they are a good idea, and how we can help to protect your assets, call on 01446 771949. We’ll be happy to discuss your requirements.

Please note that Will and Trusts are not regulated by the Financial Conduct Authority.

Don’t miss out on the
benefits of Wills &Trusts

Pensions

Planning ahead for retirement is not easy because we’re hard-wired to focus on the here and now. Deciding what financial resources you will need in the future and plotting a path to reach your goals means taking a huge number of factors into account.

The key concern is, of course, how you structure your financial affairs to make sure you will have sufficient money if and when you stop working. Retirement can be an exciting time in life as you look forward to spending more time doing the things you enjoy with the people who are most important to you, but this can only happen if you plan in advance. We can help you make sense of the pension options available to you and advise you on how to achieve certainty for your financial future.

If you’re already approaching retirement age, we can help you decide what to do with your pension savings. Following changes introduced in April 2015, you now have more choice and flexibility than ever before over how and when you can take money from your pension pot, and sound financial advice can help you to make the right decisions.

To find out more, call us for an informal discussion about how we can help.

Professional Sports Income Protection

We’re proud to be advisers to a range of professional sportsmen and women, including members of the Welsh Ruby Team. To find out more, click here.

Download our Latest Magazine

Will you be one of the six million workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68?

In our latest magazine we look at the new plans announced in July this year and how they could affect you. A combination of increases in life expectancy and the growing number of retirees relative to the working-age population means that individuals will now have to save harder for their own retirement.

We also consider how our changing life plans and priorities mean we now encounter varying income needs and goals throughout our life and, when investing, how certain innate behavioural traits influence our decision-making. New research finds consumers could be missing out on thousands of pounds in retirement by not shopping around for their pension product. This means their pension pot may not stretch as far as they hope it will, yet a significant proportion of people expect their retirement income to cover much more than just the essentials.

TRUST US

Harries Powell & Price are authorised and regulated by the Financial Conduct Authority (FCA No 588442)

You are also covered by the Financial Ombudsman Service www.fscs.org.uk

FIND US

70 Eastgate
Cowbridge
CF71 7AB

01446 771949

TRUST US

Harries Powell & Price are authorised and regulated by the Financial Conduct Authority (FCA No 588442)

You are also covered by the Financial Ombudsman Service www.fscs.org.uk

FIND US

70 Eastgate
Cowbridge
CF71 7AB

01446 771949

OUR POLICIES