Planning Your Strategy.

Financial Services from Hanover Consulting Ltd

• Retirement planning
• Investments
• Tax planning
• Financial planning (corporate)
• School fees
• Small business start-up
• Savings
• Long term care
• Home income plans
• Life assurance
• Critical illness
• Income protection
• Mortgages
• Will writing service
• Private medical insurance

Retirement planning

Do you need help with the following? We can help explain & arrange the following: -

Personal pensions
Group personal pensions
Stakeholder pensions
Executive pensions
Salary sacrifice
Annuities
Income draw down
Retirement annuity contracts
Death in service benefit (Tax relief available)
Funding Unapproved Retirement Benefit Schemes (FURBS).
State Earnings Related Pension Scheme (SERPS)
Self invested personal pensions (SIPP)
Small self-administered schemes (SSAS)
Pension transfer from either occupational or personal pension. (For better investment performance, choice and charging structure)
Any other pension requirement or query
Divorce (How may it affect you)
S2P - State second pension
Dividends. (How can you use them to be tax efficient)
BR19 (benefits agency forecast for your state pension)
Redundancy (How can we help)

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested.

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Investments

Are you making the best use of your money? Do you need to use your tax-free allowances? We can help explain and arrange the following: -

Unit trusts
Unit-linked investment bonds
With-profits bonds
Individual Savings Accounts. (Maxi/Mini ISA's)
Tax Exempt Special Savings Accounts (TESSA's). Follow on TESSA's. Utilizing the extra ISA allowance (TOISA)
Offshore bonds
Investment trusts
Personal Equity Plan (PEP) transfers
Second-hand policies (TEP's)
If you win money or are left money will you leave it on deposit at the bank? Help finding the best deposit rate if this is your choice
Selling shares to provide a balanced portfolio of investment
Risk/reward (What do you want to achieve?)
Redundancy (We can help discuss how best to use any lump sum paid out)
ISA transfers

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested.

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Tax Advice *

Do you have an estate valued above £300,000? (2007 / 2008)
We can help explain and arrange the following: -

Prepare a detailed report of your individual or combined estate to see whether there is a liability to IHT and
ways in which it can be reduced to potentially save money in the future for your beneficiaries.
Arrange any trust documents to protect the estate.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

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Corporate financial planning

Are you too busy to sort out your own individual financial requirements? Do you need help sorting out your business financial planning?
We can help explain and arrange the following: -

Group life cover for your company's employees.
Group PHI for your company's employees.
Key man cover for your important employees.
Share purchase for directors.
Partnership protection for the self-employed.
Commercial mortgages to help secure purchase of your premises.
Arranging employers liability insurance.
Arranging public liability insurance.
Arranging better deposit rates for your business account.
Retirement planning for employees: -
Stakeholder.
Group personal pensions.
Small self-administered schemes.
Executive pensions.
Funding approved retirement benefit scheme
Discussing investment where large sums of money on deposit are not currently being utilised.
Redundancy advice for your employees.
Any other query.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested.

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School Fees Funding

Do you want to send your children on to further education in the future? Do you have the resources?
We can help explain and arrange the following: -

Immediate requirement of funds for school fees.
Future requirement of funds for school fees.
Redundancy (How to utilise any lump sum to continue paying fees).
Any other area or query.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested. Your home may be reposessed if you do not keep up repayments on your mortgage

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Business Start-Up

Do you wish to set up a new business?
We can help explain and arrange the following: -

Mortgage advice for your new employees, helping them relocate.
What might be required in terms of insurance e.g., employers liability and public liability insurance.
Retirement provision.
Key man cover for important staff.
Share purchase for directors.
Partnership protection for the self-employed.
Helping purchase premises for your new business.
Providing illness and disability cover.
Any other query.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested. Your home may be reposessed if you do not keep up repayments on your mortgage

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Savings

Do you need savings for the future?
We can help explain and arrange the following: -

Savings ideas for a specific purpose.
Regular ISA's.
Regular unit-linked (10 years +).
Funds for retirement provision.
Newborn baby? Why not start regular savings for their future?
Future saving to pay school fees or further education.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested.

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Long term care

Do you worry about what the effects will be on your life in the future if you need 24 hour care?
We can help explain and arrange the following: -

Planning for long-term care

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested.

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Home Income Plans

Do you need to raise finance from your home for income or to provide a capital sum?
We can help explain and arrange the following: -

Equity release
Home reversion schemes
Interest only mortgages

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

The value of your investment may go down as well as up and past performance is not necessarily a guide to future performance. Therefore, it is possible you may not get back the full amount invested.
Your home may be reposessed if you do not keep up repayments on your mortgage.

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Life Assurance

Is your need to cover something specific?
We can help arrange the following :-

Mortgage protection
Family protection
Maintenance payment protection
Loan protection
Divorce (replacing lost cover)

How much life cover do you need? We can discuss and agree these amounts with you.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

Your home may be reposessed if you do not keep up repayments on your mortgage

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Critical Illness

How would you cope if you or your spouse were diagnosed with a critical illness? Critical illness protection provides a lump sum payout on a range of illnesses.
We can help explain and arrange the following: -

To cover a mortgage
To protect the family
To protect a loan
To protect maintenance payments
Divorce (to replace lost cover)

How much cover do you need? We can discuss and agree these amounts with you. This cover is complimentary to Income Protection

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

Your home may be reposessed if you do not keep up repayments on your mortgage.

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Income Protection (Permanent Health Insurance)

How would you cope if you were unable to work through illness or disability?
We can help explain and arrange the following: -

Regular income after a deferred period of 0,1, 3, 6 or 12 months.
Cover up to the age of 65
Up to 50% of your declared income paid to you tax-free plus state incapacity benefits.
Covering your mortgage

This cover is complimentary to Critical illness protection.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

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Mortgages

Do you want to buy for the first time, move home, consolidate your debts, improve your property or just re-mortgage?
We can help explain and arrange the following types of mortgage: -

- Tracker
- Fixed rate
- Variable
- Discounted
- Cash back
- Buy-to-let
- Capped
- 100%.
- Adverse credit

We can also help arrange the following:-

Solicitors, estate agents and surveyors.
The method of clearing your mortgage that best suits you.
Accident, sickness and unemployment cover.
Life cover, critical illness cover and permanent health insurance.
Organise the mortgage for you.
Search for the best deal, using the whole of the market.

Are you getting the best deal or do you just need advice?

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

Your home may be reposessed if you do not keep up repayments on your mortgage.

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Will writing service *

Have you made a will? If not, what effect will this have on your estate? Are you living with a partner? You may need to write a will.
We can help explain and arrange the following: -

Help with writing a will.
Will trusts.
Enduring power of attorney.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

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Private Medical Insurance

Is the speed with which you receive medical treatment important to you?
We can help explain and arrange the following: -

Private medical insurance providing:-
-Private health care immediately.
-Access to private hospitals.
-Consultations with specialists.
-Operations and pre-operative assessments.
-Post operative treatment and consultations.
-Peace of mind.

Call 0870 233 0733 or e-mail: enquiries@hanoverconsulting.co.uk

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