Henson Crisp taking care of your future, offering specilaist retirement advice in Peterborough and London

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Later Life Advice

Here at Henson Crisp we understand the importance of Later Life Advice.

Our team of later life financial advisers will guide you safely through the complexities of later life, providing advice, information and solutions to all your later life financial needs.

What is Later Life Advice?

Typically, for clients who are 'retired' who may need advice on estate planning, care fees, equity release or advice on their pensions and investments.

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

Why is later life advice so important?

People are living longer and looking closer at their retirement and whether they'll have enough funds. Many people in later life have been as affected if not more by the current economic downturn as anyone else.

Managing your finances for later life is as important as it has ever been. We're here to help you manage the maze of options and products available to you.

You may need to spend some time considering retirement planning advice and we can help you do this.

Retirement Planning advice for later life:

  • Equity Release - if you are a homeowner and aged 55 or over you can use your home, as a way to boost your income in retirement. You can do this by releasing the equity locked in your property and releasing it as a lump sum.

    To understand the features and risks of an Equity Release Scheme please ask for a personalised illustration.

  • Downsizing - A smaller property with less maintenance costs that is more suited around your new lifestyle might make sound financial and practical sense.

  • Annuities - an annuity allows you convert your pension savings into a regular, guaranteed income during your retirement. An annuity could assist you in enjoying your later life safe in the knowledge that you have regular payments each month to pay for your living costs.

  • Inheritance Tax Advice - Inheritance Tax Planning and quality Inheritance Tax advice could help you pay less tax on your estate. If there will be Inheritance Tax to pay once you've gone, then a good way to cut the amount of inheritance tax to be paid is to make the most of gifts and transfers.

  • Lasting power of attorney - it may be necessary to plan for passing on decisions about your finances to the people you love and trust the most. It will give you peace of mind if you are concerned about your future health or ability to make decisions for yourself. It's always a good idea to plan ahead.

  • Wills - it is prudent to look at your will to ensure that your estate is shared between loved ones in the way that you want.
  • Henson Crisp Limited

    Telephone: 01733 355120 / 02036 377140
    Email: enquiries@hensoncrisp.com

    Registered Office:
    Peterscourt, City Road, Peterborough, Cambs, PE1 1SA. Registered in England, No. 06266686

    Offices in both Peterborough and London.

    Financial Advice for individuals and companies.

    Site Disclaimers

    No investment decision should be taken based on the content of this site. Always take full individual advice first.

    Henson Crisp Limited cannot be held responsible for the accuracy of the content of external websites.

    The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

    Regulatory Statement

    Henson Crisp provides Independent Financial Advice.

    Henson Crisp Limited is authorised and regulated by the Financial Conduct Authority (register.fca.org.uk/). Financial Services Register No: 469175

    Our alternative dispute resolution provide is the Financial Ombudsman Service.
    Their website is financial-ombudsman.org.uk


    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.

    At Henson Crisp we pride ourselves in providing a personal and professional service to our clients.

    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.


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    Our London Office

    25.03.15

    We have now 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


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    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.


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    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.


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    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.


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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.

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


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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.


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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:

    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.


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    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.



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    Useful Articles on your Pension Pot

    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


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    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 »





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    Henson Crisp Ltd 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 <<


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    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


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