ongoing service that we provide to our clients
Your needs and objectives are likely to change over time and as a result Howard Wright believe you should regularly review your financial situation.
There are many different types of Investments and Investment products each offering different opportunities and returns. We will help and advise you in all areas of investment creating an investment portfolio based upon your goals and attitude to risk.
We provide our own Investment portfolios with research carried out by the members of our investment committee, with both active and passive investments to suit all requirements.
The Regular Review Service has been developed to provide an effective ongoing service to its clients with a regular information flow and communication being key to the service.
In addition to the full financial review you will be subscribed to an e-shot service, which aims to provide relevant ongoing communication in between review meetings, including performance information regarding the portfolio your are invested in, an overview and outlook of investment markets and any key industry and regulatory changes deemed relevant for our clients. There is a minimum ongoing remuneration requirement for this service which would be discussed with you during your initial meeting.
Retirement Planning is a very complex area however with quality advice and constant evaluation a suitable retirement strategy can be achieved. With the recent changes in legislation, a reduction in state provided provision and increasing longevity the need to provide a regular income in retirement has become ever more prevalent.
Howard Wright are able to help you both whilst funding for your retirement and when you reach your desired retirement age with the numerous options that are available to you in todays retirement market.
We provide advice to all sizes of employers with regard to the various corporate benefits available to them from pension schemes to group life and income protection. We have been heavily involved in ensuring that both our existing and new corporate clients have fulfilled their requirements for auto-enrolment in regard to setting up and implementing a qualifying pension scheme.
This product is not regulated by the FCA
We also advise on the implementation of group life and group income protection schemes which many employers use to enhance the employee benefits for their staff. We then assist with the annual renewals and any claims, also dealing with individuals and/or their families to help with the completion of paperwork and individual advice in what can be very emotional times.
Howard Wright believe that protection needs should be reviewed frequently to ensure that they are still meeting the clients’ objectives. The addition of children into your family or children becoming non-dependent are all key events that may alter your protection needs. With income protection it is essential to make sure that the benefit being provided is sufficient to meet your household needs should you be away from work due to sickness or injury, which can change for many reasons such as an increase in your monthly commitments or liabilities. We also advise on protection policies, such as Whole of Life, that can be utilised as part of Inheritance planning and Critical illness that would pay out in the event of a diagnosis of one of the listed illnesses.
Although we do not wish to think about what would happen in the event of a partners’ death or illness it is important to have sufficient cover in place to provide for your needs during these times.
If you are looking at purchasing a new property, want to re-mortgage, arrange a Buy to Let or are simply looking to get on the property ladder, then we are here to help you. At Howard Wright we are able to search the mortgage market for competitive rates to match your requirements.
