YOU ARE THE FOCUS OF OUR BUSINESS: YOU, YOUR LIFE, YOUR FAMILY AND YOUR FUTURE.
A full understanding of your current and desired financial position is the foundation of your financial plan. This should ensure that all your future needs and wishes are met. Many people have goals and dreams, but a goal without a plan is just a wish… an achievable goal is a dream with a deadline.So it all starts with listening. We listen to your needs, your hopes your dreams, and we formulate a plan, which enables us to offer you clear, no-jargon advice on the most appropriate financial products for your personal circumstances.
This is only the start of our journey together though. Preparing your plan to meet your goal is, we believe, the beginning of long term relationship. We want to ensure that you, your family and your assets are protected, and help you build a brighter, more secure future.
WHAT DO THEY THINK?
RECENT NEWS
The Laffer Curve, conceived by economist Dr. Arthur Laffer, illustrates the relationship between tax rates and government revenue. While Laffer popularized the term, the idea has been around since the 14th century, with roots in the writings of Muslim philosopher Ibn Khaldun and references in John Maynard Keynes’ work. In essence, Laffer’s theory posits that excessively […]
Pensioners will receive an additional 4.1% per annum through the state pension starting in April 2025, thanks to the government’s ‘triple lock’ policy. The triple lock ensures that the state pension increases each April based on the highest of the following criteria: The Consumer Prices Index (CPI) in September of the previous year The average wage growth across […]
House sales in the UK experienced a notable increase of 5% in August 2024 compared to the same month in 2023, according to data from HM Revenue & Customs (HMRC). Approximately 90,210 homes were sold across the UK, reflecting this upward trend, although this figure saw a slight decline of less than 1% from July […]
The UK job market is facing increased competition, with over two jobseekers vying for each vacancy. According to recent research from jobs site Adzuna, the number of advertised job vacancies has dropped by 0.5%, totalling 857,000 roles available in August, a decrease from July. This trend suggests potential stagnation in the UK job market. The […]
Unveiling one the most hotly anticipated budgets in recent history on Wednesday, Chancellor Rachel Reeves set the direction of travel for the Labour Government. The Autumn Budget 2024 includes a raft of headline-grabbing announcements, with major implications for everything from capital gains tax to inheritance tax. Your financial planner can help you decode the impact […]
“There is a budget coming in October and it’s going to be painful.” Prime Minister Keir Starmer has given his strongest hint yet of tax rises to come in the 2024 Autumn Budget. In his first major speech from 10 Downing Street, the Prime Minister warned there would be tough choices ahead as the Labour […]
INDEPENDENT FINANCIAL ADVICE
What is Independent Financial Advice?
Firms providing financial advice can offer products from:
- The whole of the market
- A limited number of product providers
- A single product provider
Independent Financial Advice offers advice on financial products from the whole of the market and so they are not limited or tied to any particular provider. Independent Financial Advisers offer true independent advice and are obliged to offer their clients the option to pay a fee for advice as an alternative to commission.
Independent Financial Advisers are regulated by the Financial Conduct Authority (FCA) as are all financial advisers who provide regulated advice.
Individuals and businesses commonly consult Independent Financial Advisers on a wide range of financial planning matters including pensions and retirement planning, savings and investment, mortgages and protection. Some I.F.A. practices specialize in areas such as commercial finance (commercial finance is not regulated by the FCA), life time mortgages and specialist investment advice such as Buy to Let purchase. (Buy to Let mortgages are also not regulated by the FCA).
KEY DATES
Online Tax Return Deadline
31st January 2025
Pay the tax you owe
31st July 2025
Budget
TBA
End of Financial Year
5th April 2025
6%
HOUSE PRICES HAVE RISEN
BETWEEN 2015 – 2017
£29270
AVERAGE COST OF CARE HOME
FEE IN THE UK
1455900
NO OF COMPANIES EXPECTING TO STAGE FOR AUTO ENROLMENT IN 2017
Our main office is based in Melbourn, Cambridgeshire but our advisers offer appointments from our offices in London, Edinburgh, Aberdeen and can also meet at your place of work or your home.
HFL Advisory Services is a trading name of IWP Financial Planning Limited which is authorised and regulated by the Financial Conduct Authority. FCA Reference 441359. Registered in the UK at Blythe Lea Barn, Mill Farm, Packington Park, Meriden, Coventry, West Midlands, CV7 7HE. Company Number 04138186.
A list of directors is available at the registered office.
Financial Ombudsman Service (FOS)
Consumers in the UK benefit from a range of protections including access to the Financial Ombudsman Service (FOS). FOS is a free service for consumers that helps to resolve complaints that clients and financial services business cannot agree on. To find out more about the service, visit www.financial-ombudsman.org.uk
Financial Services Compensation Scheme (FSCS)
Consumers in the UK also benefit from the Financial Services Compensation Scheme (FSCS). The scheme is the compensation fund of last resort for customers of authorised financial services firms who are unable to meet their commitments. Further information about the FSCS can be found at www.fscs.org.uk