Meetings & Advice Areas

Where are meetings held?

We typically hold meetings at our office in Silverstone (Northamptonshire); or at our partner offices in Holborn (London) and Beaconsfield (Buckinghamshire).

On occasion we will also attend meetings at your home or place of work.

We also use secure video conferencing.

Do you have parking at your office?

Silverstone – Yes. There is ample free parking at the office.

London – No. The nearest tube station is Farringdon.

Do you charge for an Initial meeting?

We offer all new clients an initial meeting which is held at our expense and without obligation.

This meeting provides us with an opportunity to discuss your situation, your planning needs, life planning goals, and your time horizons.

Following this meeting we will write to you with a personalised fee agreement confirming the services we will provide to you.

All initial discovery meetings are held at one of our offices or virtually via secured video conference.

What financial product & advice areas do you cover?

We hold permissions for, and provide planning services, covering:

  • Pensions
  • Investments
  • Wealth Management
  • Retirement Planning
  • Tax Planning*
  • Inheritance Tax* & Estate Planning
  • Human Insurances (Disaster Planning)
  • Mortgages
  • Equity Release
  • Later-Life Advice & Care Fee Planning
  • Behavioural Coaching
  • Corporate Advice – Workplace Pensions & Employee Benefits

* Tax treatment is based on individual circumstances and may be subject to change in the future.

The Financial Conduct Authority does not regulate tax planning and workplace pensions.

The Pensions Regulator is the statutory regulator for workplace pensions.

Regulation

Are you truly Independent?

Yes.

Longhurst Limited is privately owned, meaning we are not influenced by a parent company.

We are also Independent Financial Advisers, meaning we have access to the entire market place of financial and investment solutions.

Are you regulated by the Financial Conduct Authority (FCA)

What Sets You Apart?

Why is working with a Chartered Financial Planner important?

Financial Planning

Every client of Longhurst gains access to a Chartered Financial Planner and a Fellow of the Personal Financial Society.

Chartered Financial Planner status is regulated by the Chartered Insurance Institute (CII) and is granted by the Privy Council. It is our profession’s gold standard for financial planners. It is a commitment to an overall standard of customer excellence and professionalism.

This means your financial planner will have over 20 exams and completed well in excess of 2,000 academic study hours.

By engaging with Longhurst you will be working alongside some of the highest qualified and ethically proven financial planners in the country.

Why is working with a Gold Standard Pension Transfer Specialist important?

Longhurst Pension Transfer Gold StandardWe have signed up to the Personal Finance Society’s ‘Pension Transfer Gold Standard’.

The PFS is the professional body for the financial planning profession in the UK. Their remit is to lead the financial planning community towards higher levels of professionalism exhibited through technical knowledge, client service and ethical practice.

In practical terms this is an adviser code of conduct that helps clients understand when advice is appropriate and ensures that if it is it supports their overall wellbeing in keeping with their stated objectives.  It also ensures that clients understand and accept all the charges and costs associated with transferring their benefits and avoids conflicts of interest.

The Gold Standard embodies the culture of advisers who are passionate about their profession and dedicated to achieving the best possible outcomes for their clients.

Clients who are considering transferring their pension benefits will be provided with a copy of the ‘Pension Transfer Gold Standard Consumer Guide’ at the point when they confirm that this is one of their objectives.

What is a Fiduciary Financial Planner?

We only give advice, and produce a bespoke financial plan, if we have followed a comprehensive research process.

We will never steer you into an investment or product which will benefit us more than it will you.

We will ensure your life savings are invested with the same level of importance that we invest our own family’s life savings; treating your capital as a hard-earned asset requiring careful attention.

What is Voyant?

Voyant helps advisers and clients plan and adapt to real life events, before, during and after they happen. It’s interactive, easy to use, and collaborative, meaning advisers and clients can work together to make smarter, more tangible financial decisions.

From retirement planning to buying a new home, Voyant’s interactive planning tools help users visualise their financial future, test different scenarios and instantly understand the impact of key decisions on life events along the way.

With Voyant, you get all the information you need to answer every “what-if” scenario.

VoyantGo

What is Timeline?

Timeline provides us with the ability to stress test a client’s pension income pot against actual, severe market falls (like the Financial Crisis or even the 1973-74 Crash).

It transforms extensive, empirical asset class and longevity data into a visually dynamic, easy-to-understand story for clients. Your story. It:

  • Demonstrates the impact of asset allocation, rebalancing, glidepaths, fees, and taxes
  • Uses interactive fire-drills to prepare you for market declines
  • Illustrates longevity risk and show you the probability of outliving their portfolio
  • Crafts a personalised withdrawal policy statement for you within minutes

Timeline runs 1,000 scenarios for a 30-year retirement plan. Each scenario has 30 different annual returns (in fact, they use monthly data, so each scenario has 30 * 12 monthly growth and inflation rates).

The benefit of this is that they can test the impact of various real-world scenarios, such as the 72/73 bear market when UK equity declined by 67% and took nearly six years to recover fully. Or, the Great Depression when US equity declined c87% and lasted over three years.

Using this extensive data allows Timeline to stress-test the impact of these scenarios of every single year of our client’s retirement plan

Timeline

Longhurst Limited is authorised and regulated by the Financial Conduct Authority.

Longhurst Limited is registered in England and Wales under reference 11193790.