Our Services

•  Pension planning 
•  Investment advice
• Protection planning
• Inheritance tax planning

Ours is a personal service with a flexible approach. Most are in for the long haul, but others may seek occasional or one-off support, particularly following a life event such as retirement, divorce or an inheritance. Some want more engagement, others less. Either is fine with us.

Our focus is to deliver solutions that address squarely your personal circumstances and objectives. These maximise tax-efficient investment opportunities and limit the financial impact of a serious health event or worse.

Over time we have developed a specialist service in collaboration with discretionary fund management firms, which one once described in the following terms.

"While HRi is a fully qualified financial planning company, their service is not akin to appointing a normal IFA (with associated charges). HRi provide an efficient, sensible and no frills SIPP advice solution, including setting up the SIPP, keeping an eye on transfer of assets, annual review and reporting service. The advice doesn't stray into assessing the suitability of the portfolio etc - we are responsible for that. The system works well and we have employed John for many of our clients. Clients get short emails telling them what they should do, rather than lengthy reports which can be summarised in a few lines."

Financial products on which we advise include:

1. Investment
   
   Pensions (including self-invested personal pensions (SIPP) and annuities)
   Individual savings accounts (ISA's) plus also junior ISA's (JISA's)
   Life insurance bonds
   Venture capital trusts (VCT's)
   
   
   
2. Protection
   
   Term life insurance
   Critical illness insurance
   Income protection