As Independent Financial Advisers we are not tied to any single financial
institution but can recommend the products of all 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 advisers can help you asses
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
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”
Pensions
As products offered by Financial Institutions become more complex and with ever
changing regulations, many people are confused by pensions. 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
• 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
Peter Hoare and Company (Insurance Brokers) Ltd.
Ranmoor House, 237 Graham Road, Sheffield S10 3GS.
Authorised and Regulated by the Financial Services Authority. Registered in
England 1051139.
