Larry Bignell - Hanson Wealth Management - - Independent Financial Advice

Hanson Wealth - Our Objective I cover a whole range of financial planning from the simplest savings plan through mortgages, pensions, capital investments, business or personal protection plans and Inheritance Tax planning. Over the years I have developed a general philosophy and practice of family and corporate financial planning, and feel confident that my years of accumulated experience and qualifications can be of help to you.

Financial planning is too important to be left to chance - and every client is a potential millionaire. For example, a 25-year-old earning £1,000 per month could, with 3% inflation, earn £1.8 million in total by age 65! We know that the taxman will take their share, £295,000 (at 2006-07 tax rates and allowances) over the years but, without planning, how much will the individual build up for themselves? Are you sure that your current arrangements take best advantage of recent tax and other changes?

As has been said many times -

NO ONE PLANS TO FAIL BUT MANY FAIL TO PLAN

Making the right decision now will make a substantial improvement to your future wealth and financial security.

Planning for your retirement is your responsibility.

A full list of my qualifications along with the areas of use:

G60 - Occupational Pension - To transfer or not? Divorce pension sharing.

G10 - Inheritance tax planning and Trusts.

G20 - Personal Investment - regular savings or lump sums.

Cemap Bridge Paper - Mortgages & Lifetime Mortgages.

K10 & J05- Income Drawdown / Phased retirement planning & Pension Income Options.

G70 - Portfolio Management - fund management of large sums.

CF7 - Lifetime Mortgages/Equity Release.

CF8 -Long Term Care - protecting wealth when in a Nursing / residential home.

Areas Of Work

PROTECTION & CAPITAL CREATION

FAMILY LIFE - Capital or income to maintain financial stability and provide for your family should you or partner die prematurely.

BUSINESS PROTECTION - Life Assurance & Critical illness cover on your business partner(s) or fellow shareholder(s) is very important to maintain your business operation.

INCOME COVER - Guarantee that enough inflation-protected income comes in even if you cannot work due to long-term illness or accident.

DISABILITY CAPITAL - Critical Illness Cover that pays out if you contract specified illnesses/conditions which will undermine your future finances.

EARLY RETIREMENT - A comfortable retirement, free from financial worries is the least you owe yourself (and partner) after a lifetime of work.

PENSIONS - Your Pension fund may benefit from a review to see how it is performing, when was the last time you checked its progress? Getting divorced, pension sharing? I can help.

MORTGAGES - Could you reduce your costs by remortgaging to a more competitive rate?

LONG TERM CARE - Protect your (or elderly parents) wealth against the cost of care in your own home or in a residential/nursing home. I refer such clients to another suitably qualified adviser as I do not deal in this market.

SCHOOL FEES or COLLEGE PLANS - Save a substantial part of school and college costs by acting early. Plans arranged for capital or income or a combination of both.

CHILDREN'S PLANS - Build up a fund to help them buy their first house, or to help thembecome financially established.

PERSONAL NEST EGG - Build up tax free capital funds to meet a specific need, or create a source of tax free 'income' in 10 years.

CAPITAL INVESTMENT & ESTATE PLANNING

CAPITAL INVESTMENT - Review the homes of existing capital to see if you can improve your overall return, mitigate the effect of taxes and minimise your record keeping and paperwork burden.

TAX PLANNING - Review your overall position to identify legitimate ways to reduce taxes on growth and income.

ISA'S - Use the Chancellors full allowance to invest in selected investments for tax-exempt income and capital growth.

PENSION SCHEMES - Utilise tax incentives up to 40%. Purchase property via Sipp's or SSAS's.

INHERITANCE TAX PLANNING - Protect your assets against death duties, thus ensuring your lifetime savings end up in the right hands at the right time, and not to the tax man.

As an Independent Financial Adviser, I am not tied to any one company and can therefore provide INDEPENDENT advice on a wide range of services. Using the latest technology, up to date knowledge and years of practical experience, I will search the market on your behalf and advise you of the most suitable solution and level of cover to suit your budget.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

For advising on mortgages we can be paid by commission, or a fee of typically £250.