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society of later life advisers

About us

Henson Crisp Ltd are Independent Financial Advisers (IFAs) based in Peterborough providing high quality Financial Advice, Financial Planning & Wealth Management advice. Our advisers are able to advise on a range of financial areas from investments, retirement options and business information to advice at Later Life. We are members of SOLLA: society of later life advisers. At Henson Crisp we pride ourselves in providing a personal and professional service to our clients.


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Later Life Advice

Accessing quality and specialist advice is crucial to older people now more than ever.

We are delighted to be members of SOLLA. The Society of Later Life Advisers provides a framework which ensures this advice is available and easily accessible to those who need it, and importantly, that the advisers who give this advice are trust worthy and empathetic, as well as having the appropriate knowledge to help older people with their financial affairs.

We pride ourselves in our expertise we can offer in this area. We will look at getting you the best possible retirement that your savings and pension will allow and cover any protection issues like Long Term Care.


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Pensions & Retirement Options

Pension Planning

We can help you look at your retirement options and make sure you're making the most of tax benefits when paying into a personal pension and advise on consolidating any earlier pension schemes you may have entered into with previous employers.

The value of your pension can fall as well as rise and you may not get back the original amount invested.


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Investment Planning

Our team of advisers assess where you are financially and where you'd like to be positioned to cope with future life stages.

We can advise on a range of products, including but not limited to:

Property Investment

Premium Bonds

National Savings Certificates

Individual Savings accounts

Investment Bonds

Offshore Investment Bonds

Unit and Investment Trusts

Share Portfolios

The value of your pension can fall as well as rise and you may not get back the original amount invested.


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Equity Release

If you own your own home and are 55 or over, equity release could provide you with a lump sum, additional income or maybe both.


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Long Term Care

The options for funding long-term care are varied and can often be complicated. So if you or a loved one need to pay for care at home or in a care home, it's important to know the facts.


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Tax Planning

For those with large portfolios or whose estates fall into the Inheritance Tax trap specialist independent financial advice can provide you with tax mitigation strategies to minimise your tax liability.

The current rate of tax on an estate is 40% on the value above the nil rate band in the year of death. The nil rate band is currently £325,000.


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Business Advice

If you're a business owner it's a good idea to seek guidance from an independent financial adviser (IFA) as we can help you with the financial matters that are the foundation of every business. We can give you advice on how to structure your company, insure your business, protect your employees' financial well-being and protect the business if a key employee cannot work.

Covering but not limited to:

Group income Protection - providing replacement income if an employee is absent from work through long-term illness or injury.

Group death in service - can provide a tax free lump sum benefit (and or pension) to an employee's family and children, if they should die in service

Relevant life Cover - Life Insurance

Group private medical insurance - Providing private health insurance to employees

Group pensions - type of defined contribution pension which some employers offer to their workers

Shareholder protection - Protection to anyone having a significant share in the business

Key person cover - To cover key personnel


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Advising on your investments and your future

Our advisers can assist you in achieving your financial and lifestyle goals. The type of advice we give you can depend where you are in Life.

For instance at Pre-Retirement we would help you in ensuring that sufficient reserves have been built up to provide the desired level of retirement. Whereas at Later Life we would be looking to ensure you're enjoying the best possible retirement that your savings and pension will allow and minimising inheritance tax on anything that you wish to pass and perhaps investigating Long Term Care and Equity Release options.

The value of investments and income from them may go down. You may not get back the original amount invested.


  Pre Retirement At Retirement
Savings and Investments

De-risking investment portfolios

Getting the correct balance between income and growth in your portfolio

Looking at the type of retirement your assets can support

Seeing how we can maximise the value of your final few years' salary

Ensuring that all savings and investments are in a tax efficient structure

    De-risking investment portfolios

    Getting the correct balance between income and growth in your portfolio

    Helping understanding the type of retirement your assets can support

    Maximising the value of your final few years' salary

    Ensuring that all savings and investments are in a tax efficient structure

Insurance and Protection

Evaluating life insurance policies

Making sure you are covered in case of serious illness or injury

Covering the increasing costs of healthcare in later life

    Evaluating life insurance policies

    Making sure you are covered in case of serious illness or injury

    Making allowances for any long term health care costs that may arise in later life

Pensions and Annuities

Understanding the implications of the decision on when to retire, including options around semi retirement

Evaluating ther pros and cons of annuities

Explaining options around drawing down some/all of your pension pot

Ensuring private, company and state pensions are all in good shape for retirement

    Understanding the implications of the decision on when to retire, including options around semi retirement

    Evaluating the pros and cons of annuities

    Explaining options around drawing down some/all of your pension pot

    Ensuring private, company and state pensions are all in good shape for retirement

Mortgage Advice

Ensuring that existing mortgages are correct for your circumstances

Buy to let

Funding second homes

Remortgaging

    Ensuring that existing mortgages are correct for your circumstances

    Buy to let

    Funding second homes

    Remortgaging


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  Mid Life Later Life
Savings and Investments

Making sure investment portfolios are performing on target

Ensuring a diversified portfolio that matches your risk profile

Minimising your tax liability through ISAs and NISAs

Confirming savings are earning the best possible returns

Ensuring savings plans are progressing on plan

Finding the right balance between building investments, savings and pensions

Ensuring that portfolios are geared towards driving income rather than growth

Ensuring that inheritance plans are in place and progressing on track

Minimising the risk of investment portfolios

Making best use of ISAs, NISAs and pensions allowances

Insurance and Protection

Ensuring the correct life insurance policies are in place

Ensuring adequate covered in case of serious illness or injury

Covering family in case of an unforeseen pause in income

Protecting income in the case of being unable to work

Covering the cost of any unforeseen healthcare bills

Protecting savings, pensions and income

Advising on tax planning in order to protect your estate

Pensions and Annuities

Consolidating company and private pension schemes

Ensuring pension plans are progressing on track

Evaluating the pros and cons of SIPPS and managed pension schemes

Updating plans to allow for early retirement

Ensuring you're taking full advantage of all pensions

Working out an inheritance plan for any unrequired pension funds

Supplementing retirement funds from alternative sources such as equity release

Using pension funds to cover healthcare costs

Mortgage Advice

Ensuring that existing mortgages are correct for your circumstances

Funding moving home

Funding investment in property and second homes buy to let

Discussing likely future interest rate movements and the implications for your mortgage

Planning for mortgages for children

Implications of any existing mortgages on inheritance plans

Using savings and pension to pay off mortgage

Equity release


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What do our clients say?

Friendly yet professional service, we have known Jonathon for many years after we were referred to him by a Mortgage Advisor. He has provided us with sound financial advice in this time and we trust his judgement wholeheartedly. As a result we have referred Jonathon to numerous other friends and family, who are equally trusting of him and the services he is able to offer.

Ian and Wendy Hodges-Jackson

When the time came to look closely at my pension plans I knew that I would need help. I am used to dealing with quite complex financial matters, but pensions are different with constantly changing rules / laws, and great care needs to be taken to ensure that you get the best result for your future needs. It is an extremely important decision which I felt required expertise from people used to dealing with such matters. I felt at ease in all my discussions with Rachelle Jordan from Henson Crisp and felt confident that they would do their best for me. At all times I knew where I stood regarding fees etc., and all the intricacies of the pension plans were explained to me carefully, efficiently. and in a friendly manner .

Mr & Mrs N Ely

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Contact:

Henson Crisp
Peterscourt
City Road
Peterborough
Cambs
PE1 1SA
Tel: + 44 (0)1733 355120
Email: enquiries@hensoncrisp.com


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