Our clients were a newly married couple, both of whom had families from previous marriages. Our clients planned to retire over the next few years and wanted to ensure they had sufficient monies to fund their retirement, they also wanted to make sure they would be financially stable in the event of either dying in an untimely manner. They had a wide range of investments, some held jointly and some individually.

The mix of planning to help them create a clear financial path was complex, so how were we able to help?

As neither of them had received financial advice in the past, they were unsure of the values and benefits of the financial arrangements they held and what to expect from them. We spent a considerable time understanding their life plans and then researched all their various assets (pensions and investments). Once this was achieved, we were able to illustrate the benefits and values of their financial arrangements and the value of monies that would be available to the survivor, should one of them die in an untimely manner.

Some of the key planning actions we recommended were:

  • Reviewing the underlying investments in their portfolios, ISAs and pensions and proposing changes to ensure they were suitably diversified and managed in line with their attitude to risk.
  • By reviewing historic pension allowances, we were able to maximise their pension contributions which brought substantial income tax and estate planning benefits. As part of this planning we liaised with our client’s accountant to ensure the records of all parties involved in our client’s financial matters were accurate and robust.
  • We ensured non-pension assets were arranged in the most tax efficient manner – making use of each of their available tax allowances. This restructuring ensured savings in terms of both dividends and capital gains tax, while securing lower rates of tax where annual allowances were exceeded.
  • We also established that a second property owned by the clients, would need to be rented if they were to be able to meet their income in retirement objectives. We were able to inform them of the tax considerations of doing so.
  • Taking into account our clients both had families from previous marriages, we provided a planning structure to ensure that once their spouse was secure, their respective children benefited from their legacy, on death. This included updating wills (collaborating with their solicitor), pension death benefits, insurance policies and trust arrangements which were no longer appropriate to their circumstances.

The benefit of our planning was not just financial. Yes, we helped our clients ensure that their investments were structured tax efficiently and suitably invested, but importantly our clients were provided with the reassurance that their financial planning matters were in order and catered for the many needs they had discussed with us.

I have been a customer of Holden & Partners since its inception. During this time, no matter what the state of the financial climate, I have always found that their advice has been balanced and fair. They have a good understanding of everyone’s individual circumstances and produced tailored strategies to match these needs and expectations.

Duncan B, NHS consultant

I’ve always received high quality, personable advice at a time of my convenience. My adviser has often travelled to my home in order to provide very personal service. The advice given is clear and unambiguous. The risks of different types of investment have been clearly discussed to allow me to make an appropriate decision on the nature of my investment portfolio. This has been of great importance when considering the available investment options for my forthcoming retirement. I have always considered that Holden & Partners is very client centred and they have my best interests at heart. I have been with Holden & Partners since 1996 and have recommended them to friends and colleagues on many occasions.

Michael, Surgeon

Holden & Partners manage our company pension scheme with a totally professional and dedicated approach. They have worked with us over a number of years, and are able to explain the potential ‘minefield’ that is pensions, to make it perfectly accessible for the staff.

Jeremy, Print Management Partner

Holden & Partners offer everything I want from financial advisers. They are highly efficient, independent and trustworthy. They understand their clients and give them a great service. The peace of mind they offer me is invaluable in allowing me to get on with my work and family life.

Peter, director of publishing company

Holden & Partners provide me with a friendly, efficient and personalised service that has been tailored over time to meet my changing needs and priorities. I value their ability to always be one step ahead and lead me seamlessly through the maze of paperwork.

Helen, former Investment Banker

Holden & Partners clearly ‘read’ our financial needs and requirements very well. Most of our queries will have been well anticipated. Where changes of mind are offered, we get practical reasons, not excuses. And outside review periods we have the sense that the vigilance continues on our behalf.

Chris, professional copy-writer

On retirement after 40 years of salaried employment, I interviewed several financial advisers, amongst whom Mark Dodd of Holden & Partners was the nicest and seemingly the most understanding of my investment needs and priorities. Since then my wife and I have had regular (c.6-monthly) meetings with him in order to check and, when necessary, adjust the holdings in our portfolio. This has been very helpful and provided a comforting sense of confidence and security. I have recommended Holden & Partners to others and will certainly continue to do so.

Patrick, retired university professor

It’s easy to feel powerless in the face of global trends such as climate change and environmental destruction. But I feel I regain power as a consumer and a citizen by thinking about where I spend my money and to whom I entrust my savings. I chose Holden and Partners because they were recommended to me and because of their strong track record in ethical investments. It has proven to be a wise choice. Their advisors listened carefully to my needs and created an investment strategy and portfolio that has met and indeed continues to exceed my expectations. The culture of a company also matters to me, I have found their advisors to be well informed and financially shrewd but also easy to speak to and engage with. Many of us find it difficult to trust institutions and organisations these days, but I do trust Holden and Partners to make the right decisions on my behalf.
I would have no hesitation in recommending them to others.

Patrick, Advertising and Marketing Consultant

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Whether it’s a question about your personal finances or how you can invest your wealth more ethically, we are here to help. Call us on 020 7812 1460, email info@holden-partners.co.uk or complete the form: