Hall-Ward IFA is the culmination of many years’ experience with the desire to create and deliver an uncompromising approach to customer service providing advice that is clear and easy to understand.
Both directors Gary Hall and Stuart Ward have a wealth of experience, each individually accrued over the last 20 years whilst working for Nationwide Building Society and share a passion for financial services and the difference that can be made to individuals and families alike.
Firstly, we will meet to discuss your objectives and how these can support your financial and personal aspirations for the future. We will take time to understand your preferences and requirements and explain how different solutions work.
Having gathered your information and preferences we will then research the market selecting the most suitable products to design and build our recommendations making sure they meet your aims for the future and take into account any planned changes to your situation.
Once we have completed our research and written our reports we will meet again to run through our proposal making sure that as clients you are 100% comfortable with any solution recommended. At this stage, if happy to proceed we would complete the necessary paperwork for you and set up on your behalf the products and services you require.
The constantly changing pension landscape, along with the shifting economic climate and improved life expectancy, means any choices made now could have a significant impact at retirement. It is essential to receive expert and professional pension advice on your plans and requirements, especially in an ever-changing world of legislation.
If you need to set up new plans or reassess existing retirement planning strategies, Hall-Ward can assist with ways to help you make the most of your retirement opportunities.
Many clients already have some pension provision but have not reviewed this for many years. Hall-Ward are able to look at your current retirement strategy and we can assess how it fits your current financial position.
Many people when looking at their long-term security will think about making an investment, however, there are many types of investment opportunities available and choosing the right one for your circumstances can be hard, getting the right advice to meet your objectives is vital. At Hall Ward IFA, we work with you to try to ensure your money is working effectively for you to achieve the optimum return.
As we are independent, we can research the whole market and offer unbiased recommendations to find the best solution for your needs.
We will meet with you to discuss constructing a strategy that suits your appetite for risk and is tailored towards your financial goals for the future, whether they are short term or long term. With access to a wide range of investment solutions, we can provide quality advice on investing for growth or income with the option of providing an ongoing service on all your investment needs. We are happy to consult on a single issue or the bigger picture of your financial profile.
Whether you have an existing portfolio that you would like to us to review, or you are looking to invest for the first time, our knowledge, expertise and experience in the field of investment advice allows us to establish your financial objectives, and make positive recommendations with the aim of providing solid financial solutions that to meet your goals.
We can discuss a range of solutions in relation to protecting your estate against the potentially negative effects of Inheritance Tax. Discussing this area with you, we can put a strategy in place to try to mitigate the potential tax liability or plan to ensure your family have the ability to pay any tax endured. With the correct use of Financial Products and different Trusts we can provide packages to help pass your wealth to your loved ones at the right and most tax-efficient time.
Inheritance Tax is not just for the rich any longer, soaring house prices in recent years mean that many more of us will be affected by IHT as the current threshold is £325,000. An entire estate, including your property, savings and cars may be subject to Inheritance Tax. As this could also include all of your investments and life insurance policies, it is crucial that your life policies are held in an appropriate trust vehicle so they don’t further increase the value of your estate. We assist our clients in developing an effective strategy to mitigate the tax, which often includes ensuring that all investments are invested in a tax-efficient manner and that you maximise any ‘gift’ opportunities where appropriate.
Although Inheritance Tax may not affect you personally, it could be an extra burden for your loved ones when they are grieving. And do you really want to see up to 40% of the wealth you have worked hard to create in your life going to the government as Inheritance Tax after your death? The executors (or legal personal representatives) of your estate are responsible for arranging payment of the Inheritance Tax. If you’ve chosen members of your family for this task this could mean even greater stress for them at a difficult time.
