Hurst Financial Consultancy

read moreYou have found us because you are looking for sound, independent financial advice. As professional Independent Financial Advisers, we are authorised to deal with many forms of financial services, and specialise in giving advice to clients on a wide range of subjects to assist with personal financial planning. We have expert experienced Financial Advisers on our team who offer advice in all areas of financial planning. We listen to your needs, and offer clear, no-jargon advice on the most appropriate financial products for your personal circumstances.

read moreIt is our aim to ensure that you have the best possible independent advice when planning your financial future. Throughout our website you will find a wealth of information on a variety of financial topics and useful tools to help you gain a better understanding of the complexities of personal financial planning. When was the last time your pensions, savings and life assurance plans were reviewed? As your personal circumstances change, there may well be a need to update your current plans in order to establish adequate provision for the future.

read moreThis element of our web site allows you to see on line the high level of service that a client of Hurst Financial Consultancy can benefit from - this is part of our service, for which there are no added costs, to you. The tool allows you to securely examine all of the financial arrangements that you have made known to us or have been provided by us over time (the site is updated daily) and allows you also to look at valuations for any investments that you hold. Please feel free to browse through the features of the demonstration site - you will see that the site allows you to amend details by e-mailing us so you can easily and efficiently keep us up to date with the ongoing changes in your circumstances and always therefore aim to ensure that financial planning dovetails suitably to match.

read moreA SIPP allows a pension to be drawn directly from the funds held within it. This facility is called income drawdown and enables the continued control and management of the schemes assets whilst benefits are being drawn. These benefits are very flexible and can be changed on an annual basis within guidelines set down by the Government Actuarys Department. A SIPP will also enable you to draw benefits in tranches under an arrangement known as phased retirement.

read moreSimilar in nature to term assurances, whole of life policies provide cover for the whole of the insured's life. More expensive than term assurance because there is certainty that the policyholder will die at some time, the benefit payable on death will be either a lump sum or there may be a with profits aspect.

read moreSome clients are particularly interested in ethical investing. This may mean for instance wishing to ensure that their investment does not propagate any opportunity to damage animal welfare or perhaps be involved in investing in any companies that manufacture supply or sell arms and ammunition et cetera. Equally some clients are keen to ensure that their investment does not seek to benefit the tobacco industry. We do have a portfolio that we use for this purpose which we have carefully researched but individual requirements may mean that such a portfolio needs some adjustment.

read moreThis is the term for the product which your pension fund is moved into when it is time to generate your retirement income. The returns these can offer vary hugely from provider to provider. We provide a comparison service so you can maximise the income available.

read moreI worked in retail banking for Barclays from 1983 and became fully qualified in banking in 1991. I then moved to the Banks life Assurance division and after 2 years became an independent financial advisor for a Bournemouth firm. Two years later I opened Hurst Financial Consultancy Ltd, and we have been operating in Salisbury ever since. I had until recently been a very active member of the Financial Advice team specializing in Investment advice coupled with property purchase for long term investments.