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Contact Us

Address:

New Barn

Manor Farm Courtyard

Southam Lane

Southam

Cheltenham

Gloucestershire

GL52 3PB

Phone: +44 (0)1242 514563

© 2018 by HDA Chartered Financial Planners

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.

HDA is the trading name of Hugh Davies Associates Limited which is authorised and regulated by the Financial Conduct Authority (Firm no. 125569). Registered in England No. 1998413.   Registered Office New Barn, Manor Farm Courtyard, Southam Lane, Southam, Cheltenham, GL52 3PB.  Telephone: 01242 514563

Financial Planning

Financial Planning covers many different aspects of your life and your finances.  At HDA we can advise on each of these areas separately or we can provide “holistic” advice covering all areas:

 

Income and expenditure

Does your income cover your basic day to day expenditure?  If not, what can be done? Are income tax allowances being used efficiently? Are you carrying expensive debt? Where can savings be made? 

 

Life, health and medical

How would your family cope if you died or were seriously ill or needed urgent medical care?  Do you have cover in place?  Is it suitable?  Are premiums competitive?  What about trusts?

 

Savings

Have you got enough put by for short-term or unexpected expenditure?  Is it accessible?  Is it in the right place?  What about longer-term savings?  Are they right for you?  Are they safe?

 

Investments

Are you saving for the longer term?  What are your thoughts on risk? What if stock markets go down?  Are ISAs right for you? Do you want to pick shares or spread risk with collective funds?  Where should you invest?  How much should you invest?  What about property?  What can you expect to get back?  Who decides when to buy and when to sell?  What about tax?

 

Pensions

Auto-Enrolment, Stakeholder, Defined Benefit, Deferred Benefit, Personal Pensions, SIPPs, scandals, scams, scaremongering …… pensions can be so beautiful but they are so often misunderstood!  We can guide you through the maze and ensure that you make the right decisions.

 
At Retirement

As the dream gets ever closer you will have more and more questions.  Can I afford to retire? What should I do with my pensions?  How much income will I have?  Will my expenditure go down or up?  What’s an annuity and what is income drawdown? What happens if I need care or when I die? How do I get an income from my investments?  Will it go up?  What about inflation and tax and risk? Will I run out of money?

 

Tax planning

Tax is never far away from any area of financial planning.  Are you paying too much?  Are you using all of your allowances?  What about tax-efficient investments?  How do I avoid Inheritance Tax?  Should I make gifts or use trusts or emigrate?

 

You will find more information about most of these issues in this website.  If you have a question please feel free to contact us and we will get back to you.  Or better still, why not come and see us.