Howard Wright

read moreAt Howard Wright, we know how hard our clients have worked and are working throughout their careers. We believe that their money should be working just as hard as them pre and post retirement. Our dedicated team of Chartered Financial Planners will assist you to shape your financial future, to whatever your plans and goals may be. At Howard Wright we offer a wide range of services and products to suit all types of clients. Please take look at what we can do for you by clicking on the following boxes that best represent what position you are currently in or would like to receive advice on.

read moreMike joined Howard Wright at the age of 17 almost 40 years ago and his goal then was the same as it is now to provide first class advice to our clients and their families. As the business owner Mike also wanted to ensure that the same career opportunities that he had are available for everyone working at Howard Wright today. You can see from the profiles and the positions held within the business that this has certainly been achieved. The Howard Wright team is young, dynamic and highly qualified.

read morePrior to retirement, estate planning is usually focused on ensuring that your assets are directed to your chosen beneficiaries in the event of your death. A Will is the recommended starting point for most of our clients, who incorrectly believe that their spouse or next of kin will automatically inherit the whole of their estate in the event of their death. As part of your plan we review any existing Wills that you have in place and recommend any alterations and amendments if needed. If a new Will is required, our team of fully qualified Will writers are here to help you.

read moreOur team of Chartered Financial Planners, located in Cheltenham, are here to help you, plan for your retirement. At Howard Wright we have helped many people in and around the Cheltenham and Gloucestershire area, plan for and achieve a successful retirement. We believe that to have the most successful retirement possible, sound financial planning is required to help achieve your objectives, as the decisions taken today will impact not only the rest of your life but also your families. Many of the options available and the terms used to describe them, may be new and confusing to you.

read moreSome Clients find that their need for protection policies are no longer needed in retirement but for some this is not the case. Clients may find that they have not saved sufficiently for retirement or income is heavily biased in favour of one partner, leaving the surviving partner with insufficient assets to meet their requirements in the event that their partner passes away. Polices such term assurance or whole of life plans can provide a lump sum in the event of an individual's death to ease the financial burden on the surviving partner.

read moreThe decisions you make when retiring are incredibly important as they will influence not only your retirement and wealth for the rest of your life but also the lives of your family. When considering your retirement options there will be products and information that may be new to you such as drawdown and annuity. Making major financial decisions alone can be overwhelming and very confusing. Pension annuities provide a guaranteed income for life; however this is not as straightforward as it seems.

read morePlanning for your retirement needs serious consideration and financial planning, this should not be left until the last minute. These financial decisions will be in place for the rest of your life which could be up to thirty to forty years, in some cases even longer. Factors such as your investment portfolio need to be reviewed depending upon the retirement income and product you intend to use. Pension annuities provide a guaranteed income for life; however this is not as straightforward as it seems.

read moreWhether you are a first time buyer, expanding, looking for a more cost effective approach or even an investment property, we can assist you. Our mortgage sourcing software scans the available market rates, whether these are direct to the customer or intermediary exclusives. Howard Wright will be remunerated from the mortgage provider which is usually 0.3% of the loan amount. For example, a Mortgage of 150,000 would result in a fee of 450 from the lender. The costs will be confirmed to you before any business is transacted.