DipPFS PETR
Independent Financial Adviser
Peterborough
I started in this industry in February 1997. Over the last 25 years I have been employed by insures, banks and building societies therefore, I have seen and helped many clients with various needs including protecting what’s important to them (i.e. life assurance, mortgage protection and income protection, insurance etc.) I have also arranged borrowing in the form of mortgages and equity release which means I can assist and advise in any aspect of financial services.
My main aim has been to help clients increase or preserve their financial wealth with expert financial planning in Pension transfers which includes final salary pensions, investments, wealth management, retirement planning/options and estate planning including Inheritance Tax (IHT) planning and general tax efficiency of the overall portfolio. I also hold the appropriate qualifications to provide advice on long term care and I can arrange both wills and Lasting Power of Attorneys (LPAs).
I offer a straightforward service, with integrity and honesty as standard. We will have an initial meeting with regular reviews as required by you in the comfort of your surroundings, I can meet you at either work or at home, or if you would prefer somewhere more neutral.
With the help of Abacus Associates I now offer a truly independent financial advice service.
I specialise in the following advice services:
Defined Benefit Transfer Specialist
If you have a Defined Benefit or Final Salary pension scheme, there may be individual circumstances where a pension transfer could be advantageous.
Equity Release
Equity release is a way for homeowners over the age of 55 to release value from their home in the form of cash without having to sell or move.
Investment & Wealth Management
Creating, growing, and then maintaining wealth is key to successful financial planning and should be part of a longer-term investment strategy.
Later Life & Estate Planning
We spend a lifetime building our wealth, so it’s important to find the most effective way to protect your assets, in order for you to pass them on to those you love as efficiently as possible.
Lifetime Financial Planning
Through the use of sophisticated cash flow modelling techniques and by applying various inflation, interest rate and growth assumption we can plan how to get you where you want to be. The use of cashflow modelling is becoming the cornerstone of effective lifetime planning.
Pension & Retirement Planning
When you think about the future, what does your retirement look like to you? An important question which we can help you answer.
Personal Protection
Talking about illness, disability or death is never an easy conversation to have but protecting against the unexpected will help with financial security and ensure your family can cope should the worst happen.
Wills & Power of Attorney
Making a Will is essential to ensuring that your wealth benefits those whom you choose and is not taken by taxation, unnecessary legal costs and beneficiaries chosen by the law.
Workplace Pensions
As an employer, you must auto-enrol certain staff into a workplace pension scheme and contribute towards it in order to meet legislative obligations.
Contact Neil Harden, your local adviser
We'll work with you to build a personal financial plan that's designed to help you achieve your individual ambitions.