Pearson Hinchliffe Solicitors - Professional Understanding - Advising - Supporting - Delivering

E-mail: enquiries@pearson-hinchliffe.co.uk | Telephone: 0161 785 3500

Financial Services for Business

The Pearson Hinchliffe Financial Services team is an integral part of our overall client service, working with corporate clients to help them reach their commercial and personal financial potential.
 
Their purpose, as in-house Independent Financial Advisers (IFAs), is to make expert financial advice available to clients across the commercial spectrum - whatever markets a company may operate in, or stage of financial planning achieved thus far - and to simplify the bewildering number of options available.

Our financial services for business cover:

Company Pension Planning

Whether creating a new scheme and rolling it out to employees, or managing an existing one, with growing uncertainty in financial markets and increasingly complex regulation and legislation, it has never been more important for companies to seek professional advice. We have significant experience in this area, in dealing with the increasing challenges facing industry.

Our pensions specialists work directly with company trustees of final salary occupational pension schemes, directors, HR personnel and key people involved in the operation of company pension schemes, providing a dedicated corporate service helping companies to manage the liability from their existing occupational pension schemes and identify new opportunities to create an attractive employee benefit, whether a 'money-purchase' or 'final salary' scheme.

Business Protection

Business protection is the general term used to encompass various forms of financial insurances, designed to protect a company from a wide range of financial events, ranging form the death or long-term illness of one of the partners or directors, to the loss of a key employee, namely: ‘Key Man insurance’ and ‘Shareholder Protection’.

Key Man Insurance

As a business owner you will have considered insuring against all sorts of events; but have you thought about how the loss of key personnel would affect the profitability of the company?

Key Person insurance protects a business against the loss of income resulting from the disability or death of a person in a key position - essentially the drivers of your business, from directors to senior managers, IT and sales people to R & D.

The benefits of Key Person insurance are that it allows particularly owners of small and medium sized businesses a degree of peace of mind and an inexpensive product that can be tailored to the needs of any business, usually without the need for a medical.

Shareholder Protection

In many SMEs or family run businesses the death of a shareholder can entail the responsibility passing to the deceased’s successors, a possibly unwanted outcome for all concerned, with other far reaching ramifications for the sustainability of a business. Shareholder protection insurance provides the remaining shareholder the funds to buy the share from the deceased's estate, and thereby the ability to continue to run the business as they wish. 
 
In conjunction with our financial services, our company law solicitors can give advice on combining this kind of assurance policy with an appropriate shareholder agreement and memoranda and articles. And our Trust and Estate solicitors are able to provide advice on Trust wording and IHT implications to avoid problems entirely.

Private Client Expertise

In addition, our specialist financial services for private individuals include:

• Investment Planning - income projection and tax efficient growth
• Tax Planning - Capital Gains Tax, Inheritance Tax, Corporation Tax
• Private Pension Planning - reviews, consolidation and sourcing personal schemes
• Post-Retirement Planning - ensuring the right options to meet your needs and your family's.

Our Credentials

We work independently of the any financial provider, which means we are able to select financial products, without bias, from the full range available on the market. 
 
We are regulated by the Solicitors Regulation Authority and authorised and regulated by the Financial Services Authority. Our independence gives each and every client a guarantee that their best interests are central and foremost, and not those of any other company.

We are accredited members of:

"The support group for financial advisers who are partly or wholly owned by solicitors."

We are member Independent Financial Advisers.

Charges and Commissions

You will never be asked to make a decision without knowing all the implications as well as the benefits - and an initial consultation is free. 
 
We have a flexible charging structure which we will be pleased to discuss with you on meeting you in person or over the telephone. 

Please call 0161 785 3500 to speak to a financial adviser now. Or, email richard.eastwood@pearson-hinchliffe.co.uk.

Pearson Hinchliffe Commercial Law | Hollinwood Business Centre, Albert Street, Hollinwood, Gtr Manchester, OL8 3QL
Telephone: +44 (0)161 785 3500, Fax: +44 (0)161 624 2589, Email: enquiries@pearson-hinchliffe.co.uk