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Personal Financial Planning

Planning the financial security for yourself, your family and your dependents is important to all of us. There are many areas to consider such as savings, investments, ISAs and household cash flow. When you are fully committed to your business and home life, it is sometimes difficult to keep your affairs fully up to date. We can help you review your financial position and provide advice on how to improve your savings and lower your tax costs where possible.

Pensions Advice

Pensions can be confusing. Between SIPPs, GPPs and various auto-enrolment options it can be hard to know where to start. HFS Milbourne are experienced in retirement planning, so we can advise on what’s best for your situation and needs, whether that’s a straightforward Personal Pension, a Self-Invested Personal Pension (SIPP), a Group Pension (GPP), or a workplace pension. We explain the differences between the different schemes, and how they apply to your financial situation and retirement plans. We can help to transfer and consolidate old pension schemes to make things easier to manage, or to prepare for income drawdown and annuities. We can guide you through the details of Lifetime Allowance and Fixed Protection.

Retirement planning can be a daunting task, but please get in touch with us and make a start planning your future today.

Useful Information

How does pension carry forward of unused relief work?
Key Guides April 2017 – Pension Freedom
Pension Freedoms – Death Benefit Changes
How does a spousal bypass trust work?

Tax Planning

  • Maximising your tax allowances
  • Offshore Investments
  • Other tax efficient schemes

Cashflow Planning

  • Cashflow forecasting

Estate Planning

  • Reducing your Inheritance Tax (IHT) liabilities
  • IHT efficient investments
  • General Trust advice

Pensions – Divorce


  • Life Assurance
  • Critical Illness Protection
  • Income Protection