Looking for a Financial Adviser in Oxford?
Are you looking for a Financial Adviser in Oxford?
Our team of Chartered Financial Advisers, are here to help you.
At Howard Wright, we provide financial advice to a wide range of clients in Oxford and the surrounding area.
What We Do
We are a firm of Chartered Financial Advisers, focused on helping you understand and plan for your financial future. We act on your behalf in advising you on investments, non-investment insurance contracts, first charge mortgages, and consumer and business buy-to-let mortgages.
Shortfall Analysis & Financial Plan
Our Advisers will work directly with you to produce a personalised financial plan which covers the areas of financial services relevant to your age, financial position and objectives. There will be no charge for our initial analysis which includes, but is not limited to the following areas.
Pre – Retirement Planning
We will establish when you wish to retire and the income you would like to receive in your retirement. In addition to this, we will also consider any other short / medium/long-term objectives, for example, school fees.
Your retirement options report, will also highlight the number of state benefits you will be entitled to and when these will be paid.
We will also review your existing retirement provisions, in terms of contributions and existing arrangements to highlight any shortfalls in your provisions followed by recommendations of how to address these shortfalls.
At – Retirement Planning
Our Advisers will provide you with an overview of the income that your financial arrangements can provide in your retirement.
We will also provide a report which details your main retirement options, with bespoke illustrations based on your circumstances. This will explain the options available to you, in terms of income provision, death benefits, and value for money.
Our team will review your existing Wills and Powers of Attorney if you already have these in place. This is to make sure they are in keeping with your wishes.
If you don’t have a Will or Powers of Attorney in place, then your Chartered Adviser can draft them for you.
You will also receive an overview of your potential inheritance tax liability and the options available to legally mitigate this.
We then review your financial arrangements if you have any in place today, to ensure the correct Trust’s and Expression of Wish Documents have been completed.
If you don’t have these in place then your Adviser can implement Trusts and Expression of Wish forms for you.
Your adviser will highlight the financial impact of your death or being unable to work due to long-term or critical illness on your family.
We will then review any existing protection arrangements you have in place, including potential employee and state benefits.
Once your adviser has done this, we then highlight any shortfalls in your protection provisions and make recommendations to address these, where needed.
We will review your Mortgage to make sure it’s the most suitable product for you and that you are getting the best rate possible. If you require a mortgage for a new property purchase / increasing your borrowing this will also be reviewed by your Adviser.
Free Initial Consultation
To contact us and discuss your circumstances with one of our Chartered Financial Advisers you can call us on 0345 688 4939 or you can email us at [email protected].
We look forward to hearing from you and seeing how our financial advice can help you and your family in Oxford.
“Eleven years ago I retired and not being financially educated I was faced with what was the legal and financial implications in accessing my retirement fund. Initially it was panic stations with the plethora of options and pitfalls to overcome.
At this point I was introduced to the Howard Wright Organisation that was very local. My first meeting quickly unravelled the options available, and without any external pressure I was able to make my decision concerning a Draw Down Option.
Considering the volatile market and financial nightmares over these past 11 years my decision has been proved correct. They have protected my fund and allowed me to sleep at night by operating a brilliant flexible system that continually updates me, plus a brilliant start of year meeting so I can assess the way forward for any upcoming period.
We are so pleased with the outcome that when my wife retired she went along the same route”