“Independent Financial Advisers,       Peterborough and London”

01733 355120

02036 377140

enquiries@hensoncrisp.com

News from Henson Crisp

Is the fall in the £ going to change your investment plans?

25th January 2016

should investors worry about a weak pound?

Many things can impact on the UK's currency rise and fall, Brexit being an unknown quantity. Which means a continued slow decline for sterling over the coming years, while far from certain is something investors should consider.

You may want to consider a professionally managed solution. A diversified portfolio is key.

The weakness of sterling means UK investors could look to exploit the situation by investing abroad.

Find out More »




How will the new USA president affect the way you invest?

17th November 2016

investments post Trump

Your investment strategy needs to change with the times!

The election in USA of Donald Trump has resulted in a boost to share prices, especially in America. But there is less certainty over the value of income producing investments, such as bonds. This is because if, Mr Trump's policies go as planned it could bring a return to inflation and higher interest rates, these investments could lose value.

Find out More »




Financial Adviser Peterborough

8th November 2016

financial adviser peterborough

At Henson Crisp, we pride ourselves on delivering a great service to all of our highly valued clients. We endeavor to take the time to focus on the individual needs of our clients, ensuring we fulfil all of their requirements to the high professional standards we set ourselves.

Find out More »




Falling pound and the effect on investments

13th October 2016

This month has seen the FTSE 100 reaching a new record high but seeing the pound dropping below $1.21.

The post-referendum slump in sterling has seen multinational companies listed on the FTSE 100 being boosted, with many benefiting from earnings in currencies that are stronger than the pound.

Find out More »




Interest rate cut is a blow to pensions

25th August 2016

4th August saw The Bank of England cut Bank Rate to 0.25% and introduces a package of measures designed to provide additional monetary stimulus

Interest rate cuts and my pension.

While homeowners with variable rate mortgages have been rejoicing at the recent cut to the Bank of England base rates, those coming up to retirement have been faced with a less favored outcome.

Pension schemes are being hit by lowered interest rates, the impact will not be felt equally by everyone.

Please contact us if you'd like some advice on your pension.

Find out More »




Has Brexit effected my pension?

12th July 2016

Brexit will it affect my pension?

A referendum - a vote in which everyone (or nearly everyone) of voting age took place on Thursday 23 June, to decide whether the UK should leave or remain in the European Union. Leave won by 52% to 48%.

But how has this result effected your pensions and investments?

Find out More »




Will Brexit shrink my pension?

15th June 2016

Brexit will it affect my pension?

If you're nearing retirement and your savings are affected you may not have time to recover.

When you can finally cash in your pension from the age of 55, many people will try to set up a regular income and the simplest way to do this is to purchase an annuity using your savings.

If interest rates increase after Brexit, this could mean a boost to annuity rates. Though if your savings are affected then you may have less money to buy an annuity in the first place.

Find out More »




What is investment management?

18th May 2016

What is investment management?

Protecting and managing wealth is at the heart of investment management.

Investment managers are paid to make money for their clients by managing individual portfolios whilst maintaining a level of risk and return that the client wants.

Investment management seeks to grow capital and generate income for individuals and business alike.

Find out More »




Confused about new pension and retirement changes?

11th April 2016

Are you confused by the new state pension and lifetime individual savings account?

We're seeing some new pension changes come into play which may impact on your personal finances. The new flat rate pension this April and then the new lifetime ISA which is being marketed as a retirement product in April 2017.

It's no wonder if you're confused.

Find out More »




Investments to make in 2016

16th March 2016

tilt the odds in your favour - investing

You need hold your nerve when stock markets swing wildly up, rather than panic and sell. Over the long term losses tend to be recovered. Volatility should be viewed as the price investors pay for shares' long-term outperformance.

There are ways to tilt the odds of investment success in your favour:

  • Invest for the long term
  • Invest monthly, rather than try to time the market
  • Reinvest your dividends unless you need the income
  • Diversify, don't put all your eggs in one basket
  • Rebalance, some of your investments will perform better than others

Find out More »




10 Top Tips for Wealth Management

5th February 2016


1. Get independent financial advice


2. Create achievable goals


3. Plan for your retirement


4. Plan your income and expenditure


5. Manage your savings


6. Get the most from your pension


7. Protect you and your estate


8. Pass on your wealth


9. Regularly review your financial goals


10. Enjoy your wealth


Find out More »




SOLLA Retirement Advice Standard Award

1st December 2015

SOLLA Retirement Advice Standard award
Rachelle Jordan is one of the first SOLLA Advisers to attain the prestigious Retirement Advice Standard!

“You were one of the first to apply for the standard, and therefore your application has taken a little longer to process. Thank you for your patience. Retirement Advice Standard certificates and badges are currently being produced and we will send to you as soon as they are ready, which will be before Christmas. ”

The Standard applies only to those who can offer a fully advised service to a client with a wide range of solutions from across the whole market.

Find out More »




Are you ready for workplace pensions?

20th November 2015

Every employer will be required by law to provide a workplace pension in due course, if their employees meet the qualifying criteria.

employers auto enrolment
Don't ignore the Workplace Pension!

Find out More »




Different Types of Savings Accounts

19th October 2015

Savings accounts
Cash ISAs (tax-free) Tax-free savings. You get an annual allowance - it is certainly worth making the most of this.
Fixed rate ISA (tax-free) These accounts pay a guaranteed amount of interest when you leave your money in the account
Instant and easy access accounts These types of accounts can be useful for day to day living costs as well as emergency savings.
Regular savings accounts For saving a monthly chunk of your income. There are often rules about how much you can put in and take out.
Fixed-term deposit accounts (aka fixed-rate bonds). These types of accounts are used for setting money aside for a certain length of time.
Index-linked accounts Similar to fixed-term deposits, but the interest rate changes in line with inflation.
You can use different accounts for different goals. For example, use an instant access account to save for an emergency fund while using a fixed-rate account to save up for a deposit on a house.
It's not always easy to find the right savings account. The number of savings accounts on offer can also make it hard to choose the best deal.

Find out More »




Mystery Shopper - Seeking advice on Annuities

mystery shopper annuities :: an annuity is a financial product that enables you to convert your pension savings into a monthly or yearly retirement income for you to live on

28th September 2015

This week the mystery shopper visits Peterborough. The shopper is seeking advice on annuities on behalf of an uncle who is aged 64 and in good health. The uncle has a pension pot worth between £65,000 and £70,000.

Henson Crisp's Rachelle Jordan has gone through the mystery shopper exercise by the FT and come out as the top adviser in Peterborough!


Find out More »




What is financial planning?

3rd September 2015

What is financial planning? : It's simply your list of short, medium and long-term goals that are important to you, together with an outline of how you're going to use your money to achieve those goals.

It's simply your list of short, medium and long-term goals that are important to you, together with an outline of how you're going to use your money to achieve those goals.

Find out More »




Financial Planning Process

Financial Planning Process : Financial planning helps you determine your short, medium and long-term financial goals and create a carefully considered plan to meet those goals.

27th August 2015

Financial Planning is an ongoing process to help you make sensible decisions about money that can help you achieve your goals in life; it's not just about buying products like a pension or an ISA.

It could involve protecting your family by putting appropriate wills in place, considering how your family would manage without your income.

Find out More »




Getting ready for your retirement

20th August 2015

pension calculator can give you an estimate of the income you'll get when you retire. This will include income from defined benefit and defined contribution schemes, plus your basic State Pension

Can I afford to retire?


Everybody's financial situations are different but the main considerations for most people when they think about retiring, will come down to:

  • if they're renting, paying a mortgage or mortgage free
  • if they have any debt
  • if they plan to keep working, have considered phased retirement?
  • how much money they have saved into their pension pot and other investments
  • how much state pension they'll be entitled to

Find out More »




Retirement at 55

14th August 2015

retirement at 55 : our savings and investments will need to last for 20 years.

Retiring early is the easy part, but making your money last is hard. If the average male life expectancy around 75 and we retire at 55, then our savings and investments will need to last for 20 years. That's without any extra problems like long term care or other unexpected events.

Find out More »




Early Retirement Planning

2nd August 2015

You should be contacted by the pension service four months prior to reaching retirement age

Do you know the answers to the following questions?

  • How much pension are you due?
  • What age should you retire?
  • How much money will you need?
  • If you take a tax free lump sum, how will it affect your annuity?
  • What benefits are you entitled to?

Find out More »




Retirement Planning Tips

23rd July 2015

Let us help you to get the most from your retirement. You need to look at finances and seek advice if needed, also think about making the transition from work to retirement as smooth as you possible. It can prove difficult going from full time work to being at home.

Find out More »




ISA Investments Advice

20th June 2015

ISAs (sometimes called NISAs) are tax-efficient savings and investment accounts. You can use them to save cash or invest in stocks and shares

ISAs (sometimes called NISAs) are tax-efficient savings and investment accounts. You can use them to save cash or invest in stocks and shares. On 1 July 2014, Cash ISAs and Stocks and shares ISAs were merged into a new single ISA (ISA).

There are not many circumstances in which you can beat the taxman. But investing in an ISA is one of them. ISAs are simply tax-free or tax-efficient accounts for your savings or investments.




Pensions advice for self-employed

1st June 2015

You can't rely on the state pension for your retirement

It's really important to start planning ahead as soon as possible, so that you can live life the way you want when you retire.

Being self-employed can leave you vulnerable when it comes to your pension. It is very likely you will need another pension, apart from the state pension, in order to retire comfortably.




The new “flat rate” pension

20th May 2015

new state pension April 2016 will you get the full amount?

The Government is positioned to hit retirees with punitive state pension deductions, making it difficult if not impossible for thousands retiring over the next decade to do so on a full pension.

In April 2016 - The New State Pension will be launched; will you be getting the full amount?

Find out More »




The dangers of taking regular withdrawals from your pension pot

5th May 2015

Following changes introduced in April 2015 you have more choice and flexibility than ever before over how and when you can take money from your pension pot. It's important to take your time to understand your options, and get the right help and advice. What you decide now will affect your retirement income for the rest of your life.

Using the new freedoms to make regular withdrawals without keeping a close eye on the markets and their effects on your fund is a dangerous route.

Find out More »




What can I do with my pension pot now?

27th April 2015

Following changes from April 2015 you now have increased choice and flexibility over how and when you can take money from your pension pot.

Your choices at 55 from 6th April 2015

Find out More »




How big should my pension pot be?

17th April 2015

How big should my pension pot be?

Have you any idea how much money you will need to save to secure the kind of pension you would like to live on when you retire?

Anything from £12,000pa to 2/3 of your salary?

Everyone wants to save enough to ensure they have a comfortable retirement. But it's difficult to know just how much income you'll need as a pensioner.

Find out More »




Making the most of your pension

Getting the Most from your Pension

13th March 2015

Do you want to know how to get the most from from your pension?

There are a number of things you can do to improve the performance of your pensions.

Find out More »




How to Top Up your State Pension by The Pensions Advisory Service

22nd January 2015

If you put money into a workplacepension, so will your employer and the government.

Find out More »



Rachelle Jordan the only female SOLLA Adviser in the area

14th December 2014

You can find Henson Crisp's Rachelle Jordan listed as a SOLLA Adviser at www.societyoflaterlifeadvisers.co.uk

Find out More »



Any information in this blog article does not constitute advice and should not be acted upon without taking professional advice.


Wealth Managment and Later Life Advice

Henson Crisp Ltd are Independent Financial Advisers (IFAs) based in the city of Peterborough. We provide high quality Financial Advice, Financial Planning & Wealth Management advice. Our advisers are able to advise on a range of financial areas from investments and savings, retirement options, tax planning and business information to advice at Later Life and care fee funding options.

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


Close 'Click here to close extra information'


Our London Office

25.03.15

We have recently opened our London office; many of our existing clients are based in London.

London Office



i2 Office, No.1 Royal Exchange, London, EC3V 3DG

T:020 37516510

E: enquiries@hensoncrisp.com


Close 'Click here to close extra information'


Later Life Advice

When you save for a pension, you shouldn't focus only on how much you're putting into it. You should also regularly review how it's being invested. And as you get older, you should probably change your investment strategy to reduce risk as retirement draws closer. This is where we can help.

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, Investments and pension will allow and cover any protection issues like Long Term Care.

There are many options for funding long-term care and they can often be complicated to understand. Long Term Care expert advice can give you peace of mind to those needing care and to their family.

We can discuss the many care fee funding options available including immediate need care fee payment plans and deferred payment agreements.


Close 'Click here to close extra information'


Pensions & Retirement Options

Pension Planning

It's essential that you review your pension situation regularly. We can help you with taking steps to make it more certain that your pension pot will be able to achieve the income you want when you retire.

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.

Let us explain the new pension freedom changes happening in April 5th 2015 which give you more choice on Annuities and Income Drawdown.

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


Close 'Click here to close extra information'


Investments and Savings Advice

Our team of advisers assess where you are financially and where you'd like to be positioned to cope with future life stages. It's important to make sure your investment planning is on track

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.


Close 'Click here to close extra information'


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.

We can discuss the many care fee funding options available including immediate need care fee payment plans and deferred payment agreements.


Close 'Click here to close extra information'


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.


Close 'Click here to close extra information'


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:

Business Protection - Providing Cover for Key Personnel, Directors and Groups. Providing replacement income if an employee is absent from work through long-term illness or injury.

Employee Benefits - Advising on benefits such as pensions and life protection to your employees.

Directors Pensions - The aim of a Director's Pension is to build up a sum of money in a tax-efficient way that will be used to provide you with an income when you retire.

Auto Enrolment - A workplace pension is a way of saving for your retirement that's arranged by your employer.


Close 'Click here to close extra information'


Advising on your savings and investments for your future

Our independent financial advisers can offer expert financial advice to both individuals and businesses

We're here to assist you in all areas of financial planning, helping you to achieve your financial and lifestyle goals and protect all that's important. 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 options.

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



Close 'Click here to close extra information'


Useful Articles on your Pension Pot

21st Oct 2015

Planning for Retirement The importance of Planning for Retirement
10 Top Retirement Planning Tips Pension Forecast, carry on working, defer pension income and more
Getting the most from your Pension Savings, Tax Relief, Reviews
Pensions advice for self-employed What you should consider on Pensions if you're self employed
Taking regular withdrawals from your pension pot? The danger of taking regular withdrawals from your pension pot
How big should my pension pot be? Anything from £12,000pa to 2/3 of your salary


Close 'Click here to close extra information'


The importance of Planning for Retirement

Once you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle so you need to make sure they're right.

A pension is a form of investment or savings plan designed to provide you with an income to live on when you retire. There are many different types of pension arrangements available, including the state pension.

Options are varied and can be tailored to your circumstances.

Find out More on Planning for Retirement »  Planning for Retirement




10 Top Retirement Planning Tips

Let us help you to get the most from your retirement. You need to look at finances and seek advice if needed, also think about making the transition from work to retirement as smooth as possible. It can prove difficult going from full time work to being at home.

10 Top Retirement Planning Tips, Find out More   Find Out More »




Getting the most from your Pension

Do you want to know how to get the most from your pension?

There are a number of things you can do to improve the performance of your pensions.

How to get the most from your Pension  Find Out More »




Pensions advice for self-employed

You can't rely on the state pension for your retirement

It's really important to start planning ahead as soon as possible, so that you can live life the way you want when you retire.

Being self-employed can leave you vulnerable when it comes to your pension. It is very likely you will need another pension, apart from the state pension, in order to retire comfortably.

Our advisers are qualified to offer comprehensive guidance on taking out a personal pension. When it comes to your pension it's important you take proper advice.




Do you want to find out more on Pensions advice for self-employed?   Find Out More »




The dangers of taking regular withdrawals from your pension pot

Following changes introduced in April 2015 you have more choice and flexibility than ever before over how and when you can take money from your pension pot. It's important to take your time to understand your options, and get the right help and advice. What you decide now will affect your retirement income for the rest of your life.

Using the new freedoms to make regular withdrawals without keeping a close eye on the markets and their effects on your fund is a dangerous route.

The danger of taking regular withdrawals from your pension pot  Find Out More »




How big should my pension pot be?

Anything from £12,000pa to 2/3 of your salary?

Everyone wants to save enough to ensure they have a comfortable retirement. But it's difficult to know just how much income you'll need as a pensioner.

Many experts are saying 2/3 of your income to live very comfortably (and maintain their lifestyle) and £12,000* for a very basic standard of living.

Do you know how big should my pension pot be?   Find Out More »





Close 'Click here to close extra information'


Website Sitemap



Close 'Click here to close extra information'


Henson Crisp ~ Qualified Financial Advisers Peterborough and London

What do our clients say about the financial advice they receive?

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

>> Click here to see what our clients have to say <<


Close 'Click here to close extra information'


Contact Henson Crisp ~ Financial Advisers Peterborough

Contact:

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


Close 'Click here to close extra information'