We offer independent financial advice on matters ranging from pensions through to investment and savings via ISA´s, Unit Trusts, Investment Trusts and Investment Bonds. We also provide advice on retirement planning, life insurance, permanent health insurance, private health and long term care.
"Harris Cartier LLP is regulated by the Financial Services Authority in the conduct of Investment Business and Harris Cartier LLP is regulated by the Law Society."
Financial Advice from Solicitors?
You may not expect your solicitors to provide financial advice. For the majority of high street solicitors you would be right.
We, however, have an in-house expert who is an Independent Financial Advisor (IFA). Basically this means that we are not biased or tied to any one company’s products, but simply recommend the best product from a vast portfolio to suit your specific needs.
There are distinct advantages to using this service:-
- We are regulated by the Financial Services Authority who strive towards securing an appropriate degree of protection for consumers.
- We are also regulated by The Law Society, who set standards that underpin the profession’s reputation as the best Independent Financial Advisors.
- Our Independent Financial Advisor (IFA) has access to a vast range of products, so you always have a good choice of products to choose from.
- We are bound by our ethical code which ensures that we place your interests before our own.
Our Services
There are four main areas which you can look at when planning your finances. We can help and advise you in all the options available to you, which will allow you to make an informed decision on the best route forward depending on your current situation and your future goals.The four areas are as follows:-
- Protection (for you and your family)
- Savings and Investments (to create wealth)
- Retirement Planning (for the years you will not be earning income)
- Mortgage
Protection
It is important that you protect your most valuable assets against any unforeseen circumstances. You need to make sure that any policies you have in place will help you to cope with the financial consequences of:-
- Serious Illness
- Disability
- Death
With life being as uncertain as it is, it makes good sense to plan things out carefully. By investing something each month you can rest assured that if something does go wrong, you are as prepared as you can be.
Savings and Investments
Most of us need a nest egg to fall back on when things get a little tight or when we retire. A good build up of savings or a long-term investment can also help when coping with the larger expenses that occur from time to time.
Financial planning is also important to maximise the return on any savings you may have currently or to help wisely invest a:-
- Windfall
- Inheritance
- Redundancy payment or
- Compensation pay-out
We endeavour to help you reach your saving or investment goal by advising and helping you to set and reach sensible and achievable targets whilst always considering carefully the amount of risk you are willing to take. A savings or investment plan can help you prepare for:-
- Buying a home
- Schooling & University Fees
- Wedding(s)
- Retirement
- Home Improvements
Whatever your current or future needs, with the help of a savings or investment plan, nothing is impossible.
Retirement Planning
In a world where things constantly change, and new rules, regulations, and legislation are brought into play with each new government, it is difficult to predict how the economy will evolve and, for example, what a state pension will be worth when you come to retire.
Therefore, good planning will ensure that you will be comfortable in your retirement. We can help you to build up a good retirement plan so that you are prepared for when you eventually stop working.
We would suggest that you consider the following areas when devising your plan:-
- Ensuring sufficient and regular income in retirement
- Having an “emergency” capital fund for unforeseen circumstances
- Making provision for future nursing and long-term care
- Passing on wealth to the next generation
You can see from the areas listed above that good retirement planning can ease the burden of getting older.
Saving a small and regular amount can help you to prepare for the above-mentioned eventualities.
Mortgages
Getting a new mortgage can be a complex minefield.
Getting the right deal for you is crucial. Not only do you have to worry about getting the right mortgage for you, but you also need to ensure that you can easily repay the outstanding debt, bearing in mind that the term is usually for 25yrs and in this time interest rates are bound to fluctuate.
We can advise you of the type of mortgage cover you need, should you, your spouse or partner fail to make repayments due to serious illness or death.
We are confident we can help you to make a brighter future for yourself and your family and would urge you to call us to make an initial half-hour appointment to discuss your financial situation free of charge and without obligation.
For further information on Financial Services contact:
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