Services
With a wealth of knowledge and experience under one roof, we are able to provide holistic advice to clients, considering all of your financial needs. We feel that it is imperative to provide advice without conflicts of interest. Being independent advisers means that we are not tied (or restricted) to any particular financial products or institutions. Instead, we can offer the most suitable solutions from across the whole of the market.
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Critically, Harris+Co agree any applicable adviser charges directly with you. These are the only fees that H+C will receive in relation to your invested funds. These factors ensure that our advice is both impartial and always in your best interests.
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Although we do provide advice on most financial matters, in a holistic fashion, our advice often includes one or more of the following aspects:
Lifestyle Planning
Helping you to use your assets to meet your goals
Some or all of the elements of financial planning already outlined will no doubt be integral to the planning needs of many, but shouldn’t necessarily be the sole focus.
For many, even greater value can be added with the use of cashflow forecasting. Utilising appropriate software, we can project your finances going forwards (using sensible assumptions to do so), to help answer those really big questions;
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How much do I need to be saving now to be able to retire when I want to?
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Do I ‘have enough’ to meet my retirement income requirements right now? (if not, when might it be realistic?)
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Can I gift money away to help my children, but still maintain my own financial security?
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How much do I need to sell my business to meet my retirement goals?
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As a trustee ‘what is a sustainable income level’ for the beneficiaries?
The real benefit of this type of planning is that its collaborative approach empowers and enables you to make decisions about your finances, and indeed life. The overriding question for many is whether you are really using your assets to do the things that are most important to you?
We can help you to obtain and then maintain your desired lifestyle, without the fear of running out of money whilst enjoying it. We can help you to keep ‘on track’ – if you’re not, we can let you know and show you what you can do to get back on course.
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We undertake what is called cashflow modelling which is a way of mapping out your financial future. Using your income, spending, savings and investments, we create a clear picture of how your finances could look over time. This helps you to see whether you’re on track to achieve your goals, such as retiring comfortably, funding education costs or leaving a legacy and what adjustments might be needed along the way. Below is an example of what this looks like.
