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

Latest News from Henson Crisp

Charities still need support

20th April 2020

Charity Work - Covid

As the UK enters a further agreed three weeks of isolation as a result of the COVID19 pandemic, it is not only businesses that are experiencing the impact of the global economic situation. Charities worldwide are finding times increasingly difficult too.

With global financial markets fluctuating, working to find their new positions in the coronavirus changed world, it is well reported that a number of charities both nationwide and worldwide have seen falls in financial commitments and are in desperate need of support.

Charities still need support »

16th March 2020

Making sense of fluctuations in the Financial Markets

Currently, in light of economic uncertainty surround ongoing efforts worldwide to contain the Coronavirus, it is no wonder financial markets are tracking down. But there is no need to panic

It is often hard to understand how to view market uncertainty during rare economic times. At Henson Crisp we consider many points when it comes to your investments.

Making sense of market fluctuations »

Proud local sponsors of Triceratops!

25th February 2020

Henson Crisp, proud local sponsors of Triceratops

Henson Crisp, proud local sponsors of Triceratops, as The Natural History Museum brings its touring exhibition of Dinosaurs to Peterborough Cathedral this summer!

Jonathon Crisp, Managing Director of Henson Crisp, responded to Peterborough Cathedral's call for local sponsors in support of the Dinosaurs event. The Henson Crisp team is proud to be supporting the event overall and especially Triceratops! To coincide with the exhibition, Henson Crisp will be hosting an exclusive evening event for clients. During the evening clients will be provided an opportunity to explore the Dinosaurs in a private tour in addition to listening to valuable presentations with insight into the latest news from the investment markets.

Henson Crisp Client Event

For further information about the Henson Crisp client event, please email enquires@hensoncrisp.com or call to speak to a member of our team. 01733 355120 More information will follow in due course.

Triceratops comes to Peterborough »

Henson Crisp joins the Initiative for Financial Wellbeing (IFW) as a founding member.

16th January 2020

Financial well being by Chris Budd

Henson Crisp is proud to announce partnering the Initiative for Financial Wellbeing (IFW), brainchild of author and financial adviser Chris Budd.

The purpose of the IFW is to support financial advisers, planners and coaches to help guide their clients to become happier financially, as well as wealthier.

The five key principles of the IFW are:

  1. To explore and promote the relationship between money and wellbeing
  2. To provide a meeting point for the sharing of ideas
  3. To influence institutions that deal with customers on a mass scale
  4. To provide a resource for the financial services community to help those who cannot afford to pay for it
  5. To influence financial education to focus on wellbeing

Financial Wellbeing »

10 Top Tips for Wealth Management

5th December 2019

Protecting and Managing Wealth is at the heart of what we do. Henson Crisp provide a highly personal service, based on your needs and objectives, and designed to build and safeguard your long-term prosperity.

From investment planning to more complex wealth structuring, we offer a range of wealth management services. Why not make a start with our ten top tips?

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

Read More

Case Study - Making a saving of £16,000

25th September 2019

Taking a look at a typical case study where we made savings of £16,000 by clawing back tax efficient savings towards a pension pot and making informed investment choices

Financial Case Study »

Who needs an Independent Financial Adviser?

15th August 2019

Whether you are just beginning your journey in the working world, are coming to the end of your career and heading into retirement, or are somewhere in between; the appointment of an Independent Financial Adviser (IFA) can help you to realise both your financial and personal goals.

Appointing an IFA means that you gain access to their specialist knowledge and are able to utilise their skills to ensure you are best placed to achieve your objectives in the future; these could be long term goals such as being able to retire early, or retire with a particular annual income that you have in mind; or more short term whereby you are looking to save for a new car, or you have inherited a sum that you would like to invest etc.

Do you need an IFA? »

Pension Withdrawals, can I cash in my pension?

8th June 2018

A great benefit of pension schemes is that you can usually start taking money from them from the age of 55. This is well before you can receive your State Pension. Whether you have a defined benefit or defined contribution pension scheme, you can normally start taking money from the age of 55.

There are many different ways you can access the money from your pension pot. You can leave your pot untouched, take cash in chunks or get a regular income.

If you are approaching retirement it's advisable to get guidance or advice to help you understand your options.

Give us a call 01733 355120 / 02036 377140.

Pension Withdrawals »

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 »

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 https://societyoflaterlifeadvisers.co.uk

Find out More »

Because of the current Coronavirus situation, we are changing how we conduct our meetings Learn more →

Henson Crisp Limited

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

Registered Office:
Ground Floor Bank House, The Lawns, 33 Thorpe Road, Peterborough, PE3 6AB.
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 provider is the Financial Ombudsman Service.
Their website is financial-ombudsman.org.uk