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    Financial Services

    We are not tied to any single financial institution and can recommend the products of most providers.

    We pride ourselves that we always put your interests first by providing impartial advice on a wide range of financial topics. Whether you are an individual, a business or a trustee looking after money for others, our expert advice can help you assess your financial needs and find the right “tools” to tackle the job.

    Financial needs fall into three distinct areas, Protection, Investment and Pensions.

    Protection

    Protection products provide funds to help people and businesses in difficult unpredictable situations caused by death, sickness etc. We will make sure that you have the best possible cover for a premium you can afford. The use of life assurance and other protection contracts, together with trusts where appropriate, can ensure that in these circumstances money can arrive in the right hands at the right time.

    • Money for the family on death or sickness
    • Replacement of earnings lost through long-term sickness
    • Money required to repay a mortgage or loan *
    • Money required to pay Inheritance Tax
    • Funds required where a business loses a partner, director or other key employee
    • Death in service

    The levels, bases and reliefs from taxation may be subject to change and their value will depend on individual circumstances.

    * Your home or property may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.

    Investment

    Investment products are designed to build up a sum of money to provide for specific or general needs in the future, such as retirement or educational fees. We will endeavour to make sure that this money is invested as efficiently as possible by minimising taxes and charges. We will do our best to make sure you have the necessary funds at the right time and can ultimately leave money to your heirs without burdening them with an unnecessary Inheritance Tax bill.

    • Investing inherited money and gifts
    • Investing money left in trust
    • Investing money from sale of property
    • Reinvesting maturing investments
    • Investing surplus income
    • Adjusting investments to provide additional income
    • Rebalancing the risk profile of existing investments
    • Changing investments to save tax
    • Simplifying your investments through a suitable “wrapper”
    • Regular savings

    The value of an investment and income may go down as well as up, you may get back less than the original investment.

    The Financial Conduct Authority does not regulate taxation and trust advice, school fees planning and will writing.

    Pensions

    Many people are confused by pensions due to the ever changing and complex regulations offered by Financial Institutions. Our specialist pension team will help you to make a suitable choice from the many alternatives available on the market.

    • Personal Pensions
    • Stakeholder Pensions
    • Group Personal and Stakeholder Pensions/Workplace pensions
    • Corporate Pensions (Occupational Schemes)
    • Small Self-Administered Schemes (SASS)
    • Self-Invested Personal Pensions (SIPP)
    • Phased retirement/Drawdown accounts
    • Trustee Investment Bonds
    • Pension sharing on divorce
    • Death in Service benefits
    • Annuities

    We provide expertise in the following areas:

    Contact

    Peter Hoare & Co (Insurance Brokers) Ltd
    Ranmoor House
    237 Graham Rd
    Sheffield
    S10 3GS

    Email: info@peterhoare.com
    Telephone: 0114 230 5305
    Fax: 0114 263 2307