Financial Planning

Hentons Financial Planning are specialists in the following:

• Pensions & Retirement Planning
• Investments
• Inheritance Tax Planning
• Family Protection
• Business Protection

Everyone Is Unique

We believe that the best advice can only be given to our clients when we understand them, what makes them get up in the morning and what are their aspirations for the future.

Once we understand you and your financial circumstances we can put together a cashflow forecast, an insight in to your future, which will demonstrate where you are now in your journey. We then use this as the basis to commence your financial plan which will include:

Retirement Strategy

Making sure you are getting the best from your tax efficient allowances and that you have enough money to maintain your standard of living throughout your lifetime. Where we identify those shortfalls exist we’ll be able to quantify them and guide you through your options to minimise or mitigate these.

Inheritance Tax

We’ll be able to quantify your Inheritance Tax liability and, in conjunction with the Tax Specialists at Hentons Chartered Accountants, can ensure your hard-earned wealth can be passed through generations as efficiently as possible.

Risk Management

Your financial plan will help you understand the risks you are exposed to, which fall broadly fall in to two categories:

1) Financial Risks

• How much risk can you afford to take with your investment strategy?
• Where does the right balance between risk and reward sit for you?

2) Life Risks

• What impact would your death or serious illness have on you and your family?
• How can you protect them should the worst happen?

Creating a solid financial plan now will then give you confidence in your financial future and peace of mind that you are in control of your affairs.

Of course, life doesn’t work in straight lines. Things change which will blow you off course so it is important to ensure your plan is kept under review at least annually so we can adapt to your circumstances, legislation, and investment markets.

Everybody has a different view on investment risk so it is vital that we understand your personal views, how this has been formed based on your previous experiences, and also what risks you can afford to take.

When considering appropriate investment strategies for our clients our approach is guided primarily through our core investment philosophy. This is based on academic research and can be summarised as follows:

Markets work

Capital markets do a good job of fairly pricing all available information and investor expectations.

Diversification is key

A comprehensive, global asset allocation will reduce risk.

Risk and return are related

The compensation for taking on increased levels of risk is the potential to earn greater returns.

Discipline

Maintain perspective and long term discipline.

“My wife and I started working with Hentons in 2008 when as a result of the ‘credit crunch’, I was being made redundant and fearful of my financial future. Hentons took the time to really understand our goals for retirement and put together a financial plan which not only provided us with the confidence I could afford to retire (two years early!) it also allowed us to understand what we could afford to spend enjoying ourselves without having to worry about running out of money! 12 years on and life is great, I’d highly recommend working with Hentons if you need some help planning your finances.”

Steve – Sheffield

“I chose Henton’s to manage both my pension and investments after being recommended to them by a friend. I had the pleasure of working with Tony, who is not only extremely knowledgeable and professional, he has steered me in the right direction financially and facilitated getting my investments back on track. His patience, due diligence and attention to detail, with the ability to articulate any question I had, is a testament to Hentons’. I only wish I had known about Hentons’ years ago, and made my money work better, in what can be a turbulent financial marketplace. I now have peace of mind, knowing professional advice is only an email or phone call away and would have no hesitation in recommending them for all your financial investment requirements.”

Stuart – Nantwich

If you wish to register a complaint, please write to or telephone:
Jo Clarke
e-mail: jo.clarke@hentons.com
tel: 0113 234 000

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.