• 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

At HFM we provide a personal and confidential service to both existing and potential new clients throughout Northamptonshire, Buckinghamshire and Leicestershire. With experience in the Financial Services industry since 2001, we are confident in our ability to provide the right advice in a professional and courteous manner.

What is a Financial Planner

HFM is a firm of Financial Planners which is not to be confused with an Independent Financial Adviser. The key difference is that a Financial Planner is not authorised to give any specific investment product advice – were appropriate we work with Independent Strategic Partners who can arrange investment products for you at no extra cost. Advice on Mortgages or Protection is handled by HFM as we are authorised and regulated by the Financial Conduct Authority in these areas.

References

From Mr Attwood - Weedon

"This was the first time that I have used a financial planner and Chris was definitely the right choice. He is not pushy and lets you make the decision, very professional and able to answer all our queries on the spot."

Get In Touch

PHONE
01327 828 490


EMAIL


Contact Form
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Linkedin
http://uk.linkedin.com/in/chrisjrhoward


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