Financial Planning Services

Investments

Start today, regular investments can help you create the future you’ve always envisioned.

Different Ways To Grow Your Wealth

Hammond Financial Planning provide solutions for the diverse needs of our clients, enabling each individual to structure their finances as efficiently as possible.

Whether funding your child’s education costs, looking to boost your pension with investment income or simply building a secure financial future, we can help you make the most of your money.

There are many different ways to grow your wealth: from ensuring you receive the best rates for short-term cash management, to a more complex undertaking of creating an investment portfolio to grow your wealth for the long term.

Hammond Financial Planning can help you make informed decisions about the investment choices that are right for you by assessing your life priorities, goals and attitude towards risk for return. Any number of changing circumstances could cause your wealth to fluctuate, some inevitable and some unpredictable – new taxes and legislation, volatile markets, inflation, and changes in your personal life. Structuring your wealth in a way that minimises the impact of these changes is essential.

The right approach

Personal ambitions, retirement and family. Whatever your long-term wealth priorities, we will always start by learning about you and building a relationship with you.

For many of us, our goal in life is to maximise our money. An important part of that is working with a financial advisor who can advise you on investment decisions aligned with your interests. It takes more than technical skill to be able to trust that you are in the right hands – it also takes a level of personal understanding.

The value of your investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation advice.

Estate Planning
  • We will fully assess your views on investment risk whilst taking into account your existing exposure to risk-based assets
  • We will assess any existing investment you currently hold and assess the suitability
  • We will create an investment time horizon to allow you to invest funds comfortably for the longer term
  • We will provide bespoke advice focusing on both growth and income solutions to meet your specific needs
  • We will look to utilise ISA and other tax efficient allowances

Pensions

Planning for it correctly will provide you with the standard of living you desire after you stop work.

Different Ways To Grow Your Wealth

Planning for your retirement is possibly the most important financial decision you will ever make. With life expectancy increasing year on year, we are now seeing the potential to spend almost as many years enjoying retirement as we have spent saving for it.

Planning for it correctly will provide you with the standard of living you desire after you stop work.

Forward planning for your retirement can mean having the reassurance of financial security in later years, rather than the worry of wondering how you will cope. A comfortable lifestyle in retirement is something to which we all aspire, and increasing longevity means that we all need to make extra provisions for that retirement.

A pension is a long-term investment. The fund value may fluctuate and can go down, which could have an impact on the level of pension benefits available. Your pension could be affected by interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.

Dream about your retirement

Let us understand your needs

Everybody has ambitions for life after work – places we want to see, activities we want to do, and people we want to spend time with. A financial plan that provides you with income is essential to reaching your goals.

You should also consider other factors, such as how to make sure your wealth will last as long as necessary, whether you need to plan for future care needs, and how much you might want to leave as a gift to your family. Weighing options is key to striking the right balance

The value of your investments can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation advice.

  • We will review your current and future income and expenditure needs
  • We will fully assess your existing retirement provision and its suitability
  • We will fully assess your views on investment risk whilst taking into account your existing exposure to risk-based assets
  • We will use sophisticated cash flow analysis to help you visualise your financial future
  • We will provide regular reviews to ensure that you keep on track with your retirement goals

Estate Planning

Few taxes are quite as emotive – or as politicised – as Inheritance Tax.

Create peace of mind

The structures into which you transfer your assets can have lasting consequences for you and your family. At Hammond Financial Planning, we can help you choose structures and trusts designed to protect your assets and give your family lasting benefits.

It is crucial to find out now if you potentially have an Inheritance Tax liability – or could do so in future years. Historically, Inheritance Tax planning used to be an activity confined to the very rich. However, growing affluence means that this is no longer the case. Even families and individuals with a relatively moderate level of wealth should consider planning ahead to ensure that their assets are passed on to their loved ones as efficiently as possible. Property price increases have also dragged many middle-class working families into the Inheritance Tax bracket.

Effective estate planning is about getting the right balance between maintaining access to your money when you need it and saving tax. This is because, in general, the more tax-efficient a solution is, the less access you have to your assets. Safeguarding your own financial future is very important, and giving too much away could put this at risk.

We can help you plan ahead

At Hammond Financial Planning, we cannot stress how important making a Will is, as without one all decisions relating to your affairs will be made by the state – this includes who looks after your children. If you were to die without having made a Will, the surviving spouse will not automatically inherit the estate but only a part of it, even if you were married with children. Furthermore, without taking court action, common-law partners would get nothing.

There are so many other factors to be considered even if you do have a Will in place. Is it up to date? Has it been invalidated by marriage? If you have children, have you appointed guardians? If the executors are a bank or solicitor, they take part of the estate – is this what you really want?

Estate planning, trust planning, tax planning and Will writing is not regulated by the Financial Conduct Authority.

Estate Planning
  • Identifying the value of your estate
  • To help you prepare, we’ll guide you through some useful topics – such as inheritance planning, gifts and inheritance tax and what happens to your pension when you die
  • We will look to get the balance between your income needs during your lifetime whilst trying to protect a legacy for your loved ones

Business Owners

Our work at Hammond Financial Planning with business owners brings us into contact with companies of all sizes across the UK.

Financial Planning For Business

Our experienced team are able to offer truly holistic advice to employers and their staff across the whole financial services market.

We seek out the best solutions in areas such as pension planning, business protection and business investments. We create solutions for you that will point you in the direction you need to go to reduce costs and increase employee satisfaction.

With our financial advice input, business owners can focus on what they excel at – building and developing thriving and profitable businesses.

Navigate complex financial situations.

Our experts at Hammond Financial Planning can help you manage your finances to their full potential.

Our firm can work with you and any other business advisers you have to plan and structure your finances as tax-efficiently as possible. In other words, we ensure that your money is doing the most good for you.

The Financial Conduct Authority does not regulate some aspects of corporate financial planning and taxation advice.

  • Providing tax efficient retirement solutions to business owners
  • Advice on profit extraction for business owners
  • Protecting the profitability of your business by protecting the key individuals within the business
  • We look to ensure that the interest of business owners are protected by providing succession planning as part of our business protection review
  • Providing solutions for cash deposits/investments held within your business

Protection

The security and opportunity your wealth brings can be protected for generations, but there are many things to consider.

Protecting Your Wealth

Inheritance Tax, premature death, illness and loss of income to name but a few all need to be considered in an effective wealth protection planning strategy.

The subject of wealth protection can be an emotional and complex matter. By making use of lifetime planning opportunities and tailor-making Wills and trusts to your particular circumstances, you can ensure that your valuable assets are retained for future generations in the most financially prudent and effective way.

At Hammond Financial Planning, we believe the preservation and constructive transfer of wealth are primary components of a successful wealth protection strategy. While assets can grow over a lifetime, so can the need to consider a variety of products and services to protect wealth for the future. A forward-looking and integrated wealth protection strategy will help ensure a lasting legacy for you and your loved ones. With numerous options available when structuring and preserving your assets, with our advice you can be confident of making the right decisions based on your financial and family situation to best meet your personal objectives.

Protecting the important things in your life

Hammond Financial Planning are on hand to sit down with you and discuss all your requirements and needs – advice that may prove invaluable when protecting the important things in your life.

We can help you deal with the ‘what ifs’ in life such as illness, injury or even death. By thinking about these things now, you can plan ahead and gain peace of mind that you and your family will be looked after financially.

The Financial Conduct Authority does not regulate will writing or taxation and trust advice.

Estate Planning
  •  We will review your financial situation to identify any shortfalls in your existing protection cover
  • We will tailor our advice to help protect you and your family from the financial consequences of accident, sickness, critical illness and death
  • We will use our research tools to source the best solutions for your needs from the whole of market
  • We will provide regular reviews to ensure that your changing needs are reflected in your protection provisions

Our Services

Investments

Typically, many of our clients may want to invest money on a regular basis to build up a capital sum for the future.

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Pensions

Hammond Financial Planning work with you to consider all the options based on your needs and investment risk appetite.

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Estate Planning

Contrary to the belief of some, Inheritance Tax not only affects the very rich, but other people may be liable without realising.

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Business Owners

Our work at Hammond Financial Planning with business owners brings us into contact with companies of all sizes across the UK.

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Protection

Wealth and personal protection is an essential must-have to secure the future for both you and your family if an unexpected life event happens.

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Insights

Explore our latest market updates, client perspectives, and expert insights to stay informed and ahead in your financial journey.

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Contact Hammond Financial Planning

Hammond Financial Planning

Old Cemetery Lodge,
716 Liverpool Road,
Eccles, Manchester,
M30 7LW

T: 0161 529 8803
E: info@hammondfp.co.uk

Hammond Financial Planning limited

Registered in The United Kingdom No.12597670
Registered Address: The Counting House 4a Moss Lane, Swinton, Manchester, United Kingdom, M27 9SA
Authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No 934368 at https://register.fca.org.uk/.
The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service
Exchange Tower, London, E14 9SR Tel: 0800 023 4567 or 0300 123 9 123 www.financial-ombudsman.org.uk