howlett clarke

Your Guide toOur Services

Building, Managing and Protecting Your Wealth

Independent Financial Advisers

Independent Financial Advice,Wealth Management & Tax Planning

5 The Drive. Hove. Sussex. BN3 3JE Telephone. 01273 773340Fax. 01273 737848 Email. [email protected] Web. www.hc-wm.co.uk

About Our ServicesWe are Independent Financial Advisers (IFA’s) working in partnership with Howlett Clarke Solicitors LLP to devise comprehensive solutions for your financial needs, whether they involve your investments, provision for your retirement or your insurances.IFA’s are the only type of financial advisers who are able to select from all products available in the financial marketplace, making sure you get the right advice for your individual needs.

At Howlett Clarke Wealth Management (HCWM) our job is to research and recommend the most appropriate financial solutions for you after asking a range of detailed questions about your personal circumstances, your future aspirations and your tolerance to investment risk.

Our specialist areas include:

• Investments for Income or Growth. • Life Assurance • Inheritance Tax Strategies. • Mortgages & Remortgages • Trustee and Charitable Investments. • Corporate Solutions • Long Term Care. • School Fees • Pre & Post Retirement Planning. • Private Health Care

When did you last take a long, hard look at your financial affairs?

The chances are that you have been so busy with other aspects of your life – your family, your business or your career – that you may have forgotten to attend to the financial foundations. With all the taxation and financial changes that have taken place in recent years, you need help from an IFA who has your best interests at heart.

Impartial advice

We are a fee based practice. If we receive any commission from a provider of a financial product or service as a result of arranging a transaction on behalf of a client, we will pay that commission to the client unless, having been told the amount, the client agrees in writing that we may keep it in order to offset an invoice in lieu of fees. If the precise amount of the commission is not known, we will inform the client of the approximate amount or how the amount is calculated.

Inheritance Tax Strategies

None of us like to think too much about dying, yet it is important that we plan ahead to ensure that our families and dependents are not left in financial difficulty when it does happen.

At HCWM we can help you plan to reduce a potential Inheritance Tax liability whilst meeting other objectives, such as maintaining income, during your lifetime.

Trustee and Charitable Investments

The Trustee Act 2000 updated the Law governing the powers and duties of Trustees. If you are a Trustee or thinking of setting up a Trust, we can guide you through the process.

We also offer a Trust review service to ensure that a Trust investment continues to meet the requirements of the Trust, both in terms of taxation and risk management.

Through the use of sophisticated fund analysis software and Wrap technology, we are able to offer risk rated Model Portfolios and a quarterly reporting facility.

This ensures that as a Trustee, you are able to fulfil your duties and comply with the requirements of the Trustee Act 2000.

Investments for Income or Growth

Today there are a bewildering range of saving and investment vehicles and options available to the investor.

Building an investment portfolio must take into account tax opportunities and implications, attitudes to risk and reward whilst balancing all of that with the need for income, growth or both.

Following a detailed review of your current financial position, aspirations and objectives, we assess all of the above factors with you before making our portfolio recommendations. Wealth creation and management is an on going process so we look to review regularly to ensure the best chance of meeting your objectives.

Our guidance will take into account all tax wrappers and investment choices such as Individual Savings Accounts (ISAs), Investment Trusts, OEICs, Structured Products and Onshore and Offshore Capital Investment Products.

HCWM can provide a full investment advice and portfolio planning service for you. We use Wrap technology to ensure access to the whole market whilst reducing associated administration.

01273 [email protected]

Pre & Post Retirement Planning

When it comes to providing for retirement too many people are doing too little too late. Putting away even a small sum early on can make a big difference to the lifestyle that you will enjoy when you retire.

Modern pensions continue to benefit from exceptional tax breaks.

Howlett Clarke Wealth Management can help you with the following:

• Personal pension plans. • Stakeholder pension plans. • Group pension plans. • Company and executive pensions. • Self Invested Personal Pensions (SIPPs). • Retirement income options such as Annuities. • Income Drawdown and Scheme Pensions.

HCWM have the technical knowledge and can access pension products from across the whole of the market.

Long Term Care

One in four of us are likely to need Long Term Care at some stage in our lives. The likelihood is that there will be even more of us needing some help with our care or that we ourselves will become carers for our loved ones.

What isn’t always so clear is just how much support the Local Authorities and NHS will offer.

Sometimes people do not realise that there are options regarding Long Term Care until the need is upon them or in some cases, when the money to look at those choices available has run out.

HCWM have advisers with specialist qualifications in Long Term Care and are therefore able to guide you through your options and even the Welfare benefits that you may be entitled to.


www.hc-wm.co.ukHOWLETT CLARKE WEALTH MANAGEMENT LTD IS AN APPOINTED REPRESENTATIvE OF PEMBROKE FINANCIAL SERvICES LTD WHICH IS AuTHORISED AND REGuLATED BY THE FINANCIAL CONDuCT AuTHORITY. WE ARE ENTERED IN THE FINANCIAL SERvICES REGISTER uNDER REGISTRATION NuMBER 537194.

Life Assurance, Family & Income Protection

There are many forms of life assurance. Choosing the right one for you can depend on a number of factors including cost, tax and the level of protection you need.

In certain circumstances, protection can be arranged in such a way as to minimise the long term effect of Inheritance tax.

Only expert, independent advice after a full review of your circumstances can ensure that you find solutions to protect your family, your business and your income.

School Fees & Further Education Planning

For most families, planning for educational costs usually starts too late with 70% of school fees being paid out of current taxable income – an expensive option.

HCWM can help to cut the effective cost of education to more manageable proportions by careful advance planning and the use of prudent tax efficient investments and Trusts.

Mortgages, Remortgages & Equity Release

For most people, your home will be the largest single investment you will ever undertake and making the wrong decisions can be very expensive.

Taking the wrong mortgage can end up costing thousands extra over the lifetime of the loan and what appears to be the cheapest on day one will not always prove to be so in the long run.

To add to the confusion there are now a bewildering number of mortgage types.

HCWM can provide detailed guidance on buying a property and looking for the right type of mortgage. Our advice covers not only property purchase, but also remortgages, Equity Release and Commercial mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Investments should not be made without first obtaining advice which is specific to your personal circumstances.

Before investing please ensure that you take note of any risk warnings contained in the key features document and illustration made available to you.

Information contained in this brochure is based upon our current understanding of legislation and HMRC practice which may change from time to time.

The value of units and the income that they can produce can go down as well as up and past performance is not a guide to future returns.

Registered and Incorporated in England & Wales at: 8-9 Ship Street, Brighton, BN1 1AZ. Company Number: 7453740.

Whatever your financial objectives, call Howlett Clarke Wealth Management on 01273 773340 or email [email protected]

Howlett Clarke Wealth Management should be your lifetime choice.

Treating Our Customers FairlyTreating Customers Fairly is integral to our business practice.

It is a core element in the way we behave and transact business. Our commercial dealings always take full account of the principle of Treating Customers Fairly.

We aim to provide full information to our clients covering the benefits, risks and costs of any recommended product or service provided.

Our intention is to inform in a clear, fair and not misleading way so that our clients can understand what they can reasonably expect from our service proposition and from any policy or plan which we recommend.

We aim to honour all commitments we make to our clients. If any dissatisfaction should occur we will investigate the underlying cause and take appropriate action whenever necessary.

Our reputation is important to us, therefore, client satisfaction is vital and Treating Customers Fairly is implicit in all our dealings.

About Howlett Clarke Wealth ManagementEstablished in 2011 we are the Independent Financial Advisory arm of Howlett Clarke Solicitors LLP who are a leading independent firm of Solicitors in Brighton and Hove.

HCWM will deliver the highest quality advice and ongoing support to help our clients achieve their financial potential and fulfil their objectives.

We fully recognise that you place your trust in us and always endeavour to repay that trust with sound judgment and expert, confidential guidance.

We look after our clients for life.

We believe that in long term partnership with you, we can play a major role in achieving your financial goals and lifestyle aspirations.

Individual, independent, comprehensive advice and tailored investment services…