Financial Planning for Individuals

FINANCIAL PLANNING FOR PRIVATE CLIENTS

Rowlands & Hames' Financial Planning division provides a full range of protection and investment products for Individuals

With decades of experience providing independent financial advice we may assist individuals and families with...

Retirement

Whether you are looking to start your retirement planning or require a review of your existing policies, we will establish your current circumstances and make recommendations to help you achieve your retirement goals.

Investment

Using the most tax efficient investment vehicles and based on your attitude to risk, we will construct an investment portfolio that best suits your individual requirements.

Inheritance Tax Planning

Only by planning ahead can you help to mitgate any Inheritance Tax liability. We can assess your potential tax liability and tax planning solutions to help reduce the liability faced by your beneficiaries.

Family Protection

The death or critical illness of one of your family members can cause real hardship. Protection policies can be inexpensive and we offer the full range of covers to suit all circumastances.

Life and Protection

• Term Assurance
• (Level Term / Convertible Term / Family Income Benefit)
• Mortgage Protection
• Whole of Life
• Critical Illness
• Income protection

Pensions and Investment

• Personal Pensions
• Self Invested Personal Pensions
• Rebate only Personal Pensions
• Stakeholder Pensions
• Free Standing AVCs
• Executive Pensions
• Small Self Administered Schemes (SSASs)
• Trustee Investment Plans
• Pension Annuities

Investments

• Individual Savings Accounts (ISAs)
• Unit Trusts
• PEP Transfers
• Open Ended Investment Contracts (OEICs)
• Personal Investment Bonds
• Unit Linked Savings Plans
• With Profit Endowments
• Temporary and Purchase Life Annuities
• Friendly Society Plans
• Offshore Investments

Please contact Andy Farnworth for a quotation on 01253 598952 or email andy@rowlands-hames.co.uk.