HGH Financial Management Ltd was established in 1996 by the partners of Hunter Gee Holroyd Accountants in order to provide quality and trusted independent financial advice to both existing and new clients of the practice. Today the company’s clients comprise not only clients of Hunter Gee Holroyd, but people who have come directly to us on hearing of the excellence of the service we can provide.

We are authorised by the Financial Services Authority to provide fully independent advice and are able to offer products from the Whole of the Market, should a specific plan be required to meet our client’s needs.

Our authorisation is via InvestAcc Ltd (www.investacc.co.uk) who are based in Carlisle Cumbria. InvestAcc Ltd are specialist independent financial advisers whose background and expertise lies in the provision of quality financial advice via Accountancy practices throughout the country.

An Introduction to the Financial Services we can provide.
No matter who you are, what you do, or how much you earn, long term financial security for you and your family depends on the quality of advice you receive. However, there are many Banks, Building Societies and Insurance Companies claiming to have the best financial products and the right plan for you. There is so much on offer, it is hard to be sure of making the right choices. At HGH Financial Management Limited we recognise the importance of selecting the right financial products, and we know that it takes a financial expert to weigh up all the issues and make effective decisions. That is why we have developed our quality financial planning services, enabling our clients to take full advantage of our experience and expertise in personal financial planning.

Client Services
Changes in tax and financial legislation continue apace and informed, tax based financial planning has never been more necessary. Experience has shown that unless someone's affairs are very straight forward indeed, professional advice should always result in financial improvement (and sometimes a very significant one). What then are we particularly concerned with? From the individuals point of view, the most common requirements are for protection (despite its modest cost, almost everyone has too little life insurance), general tax planning, savings plans, pension provisions, planning for school fees and inheritance tax advice.

Corporate Services
Companies and partnerships have needs in two broad areas; planning for employees and planning for the company itself. Most employers now have to provide access to a Stakeholder Pension Scheme but there are other options for employees as well as group life assurance, group permanent health insurance and group private medical insurance. The company itself and its directors or partners also need their own pension arrangements, help with tax planning, and protection assurances. Controlling directors in particular can do a great deal to avoid corporate taxes and enhance the position of the company and themselves, but often they fail to act or even to take advice.

Corporate Pensions
Retirement is the longest holiday of our lifetime and it is up to you to make it as financially comfortable as you can, for yourself and your employees. For small and medium sized firms, meeting the pensions challenge is one of the most important business decisions that you will have to take. Pension legislation in recent years, the introduction of Stakeholder Pension Schemes and the Simplification of the Pension Tax Regime in April 2006 has transformed a serious but boring subject into one which can no longer be ignored and poses important questions for employers and employees alike. Should men and women share the same retirement age? Can I afford to keep on with my Company pension scheme? What safeguards need to be in place? How do I reconcile the needs of my business with expenditure on a pension? How do I comply with Stakeholder Pensions Legislation?

The options for pension planning have never been greater and there are a range of pension packages to suit your Company's pocket and prospects. We can provide you with comprehensive advice on a wide variety of company pension schemes, including:

• Directors personal pensions
• Group Pension Schemes for employees
• Personal Pensions for self employed/employees
• Stakeholder Pension Schemes

School Fees
Anyone currently paying school fees will admit that they are a significant financial burden, and that they have been increasing faster than inflation for a considerable time. It is something of a truism (pertinent to most financial planning) that the sooner you start planning for school fees the less painful and more effective your planning will be. We know there are many competing requirements with strong claims on your income but a little early planning does go a long way. We can help you with the more conventional school fees planning and can show you some innovative ideas as well.

Inheritance Tax
It is surprising how few people realise how pervasive and significant inheritance tax is and they are appalled when it is drawn to their attention. You don't have to be rich to fall into the net - often just owning a house and having adequate life insurance cover are sufficient. There are a variety of methods for reducing the impact of this tax without materially affecting your living standards but it should be noted that inheritance tax planning really does require individual assessment and recommendation.

Savings and Investment
We have successfully advised on the investment of both regular savings and lump sum investments through both good times and bad - a useful attribute in today’s volatile markets, giving us the opportunity to draw on years of experience when advising you on your investments.

The range of savings and investment opportunities available today is enormous – ranging from simple cash deposits through tax free Personal Equity Plans and Individual Savings Accounts to Investment Bonds, unit trusts and Offshore funds.

A preliminary discussion will elicit your investment goals and perimeters and these, together with the amount of money available, determine the most appropriate investments. We offer an annual review service to ensure your plans continue to meet your financial objectives.

The purpose of this factsheet is to introduce you to what we do at HGH Financial Management and to give you an idea of how we operate.It is impossible to give more than a general indication, but if you would like to know more about what we do and how we do it please do not hesitate to contact Susan Tuckett, or one of the Partners at Hunter Gee Holroyd.
HGH Financial Management Ltd is an Appointed Representative of Investacc Ltd
which is authorised and regulated by the Financial Services Authority