- Planning tomorrow, today
- Mortgages
- Howard Financial Management are able to explain to you the differing types of mortgages and how each work. There are the two main ways you can pay off your mortgage. These are called 'repayment' or 'interest only';
- Protection
- Howard Financial Management are able to analyise your existing protection arrangements and provide you with a written report detailing what you have in place and indicate any areas that require addressing.
- Pensions
- When planning your retirement there are three main types of pension that Howard Financial Management will discuss with you. These are State Pensions, personal pensions and company pensions.
- Savings & Investments
- Putting a little money away regularly is the best way of saving up for expensive things, like a holiday, furniture, or a special family occasion.
- Tax Planning
- At Howard Financial Management we believe that tax planning must be tax compliant. Tax compliance is seeking to pay the right amount of tax (but no more) in the right place at the right time where right means that the economic substance of the transactions undertaken coincides with the place and form in which they are reported for taxation purposes.

About Howard FM

Chris Howard has been working within the Financial Services industry for nine years, becoming professionally qualified in 2006, specialising in group pension and life arrangements.

What is a Financial Planner

HFM is a firm of Financial Planners which is not to be confused with a Independent Financial Adviser. The key difference is that a Financial Planner is NOT Authorised or Regulated by the Financial Services Authority and can not give any specific product advice although Chris is a fully qualified IFA and can implement products through out strategic partners on your behalf.

Financial News

BBC News - Your Money

£9k fees 'to push debt up £100bn'

Q&A: Is Santander UK a safe bank?

Private rents 'increasing again'

HMRC defends child benefit plan

References

From Mr Lambert - Milton Keynes

"We have always found you exceptionally constructive and straightforward. And knowing ALL the reasons why, and why not, has made all the difference to us making a decision that we're now very happy with… So, saving money now almost feels quite pleasant, which isn't how we imagined it might be, and so quite an impressive achievement for all of us."