16 April 2014
Hawker & Palmer

 Welcome to Hawker and Palmer Wealth Management Ltd

Hawker and Palmer Wealth Management Ltd is a private client practice located in Wrington, North Somerset. The directors, Dave Hawker and Kieran Palmer, have combined experience of over 40 years in the financial services arena and offer advice to individuals, businesses, attorneys and trustees in most areas of the financial spectrum.

 

We offer all potential new clients an initial consultation at our expense. This allows us to get to know each other and for us to fully understand your requirements without you feeling pressured by cost.  We fully understand that this initial meeting may not result in you requiring immediate advice. However, if this is the case, we are confident that you will value the experience and that you will consider us when the time is right.

We always offer our clients a full financial review to ensure that our resulting advice considers every aspect of your financial circumstances. However, we can focus our advice to specific areas at your request.

Our preference is to establish long term relationships with our clients, so that we can continue to review your plans and adapt them to meet your changing circumstances. However, we are also happy to undertake ‘transactional’ advice in situations where no on-going service is necessary or required.

We will never pressure you into any decision and will always give you time for reflection after each point of contact.

At our initial meeting, we will ascertain your needs, explain our services, our investment process, how we assess your appetite and capacity for investment risk and the associated costs for the services we offer.

Once we have ascertained your needs, we can usually give you an indication of the work that will be involved, how long it will take and the associated cost.  We will never start any work without your consent and agreement to our charges. If we discover that additional work is necessary we will check with you before proceeding further, if it is likely to result in additional costs.

Certain areas, such as occupational pensions and mortgages, require specialist advice and we have developed close relationships with a small number of specialists who are happy to advise our clients. All our associate firms have been researched thoroughly to ensure they meet our high standards in customer service.  

Investments

For regular savings or lump sum investments, we can recommend strategies to maximise tax efficiency, tailored to your individual requirements. We believe in no nasty surprises, which is why we use comprehensive risk profiling and asset allocation techniques to ensure your portfolio is not only diverse, but continues to meet your accepted risk tolerance throughout all stages of life.

Pensions

Whether you are ‘working and saving’ or ‘retired and spending’, we can explain your options, and advise you on the most appropriate strategy to meet your needs. If appropriate, we can use analytical systems to review your existing personal pensions and compare them with alternative solutions that may be more suitable.  

Inheritance Tax Planning

Many families have an Inheritance Tax problem these days, sometimes solely due to the value of the family home. We can assess your potential liability and help you reduce or mitigate this burden by the use of Wills, Trusts, Life Assurance plans or by simply making you aware of the allowances and/or exemptions available to you.

Life and Health Insurance

We can help protect you, your family or your business against the financial hardship of long term illness or death. By researching the market, we ensure that you pay the most competitive premiums for the precise benefits that you require.   

Care Fees Planning

Both our advisers are qualified to help you and/or your relatives plan for the eventuality of long term care and advise you on the most appropriate funding methods.

Mortgages

For mortgage advice, we can introduce you to a specialist mortgage adviser, who will help you find the right mortgage to match your circumstances. 

 

Whether you wish to review your existing financial arrangements or start planning for the first time, we would be happy to meet with you.

Please call us on 01934 861222 or email info@hawkerandpalmer.com to arrange your initial consultation.

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