About Tom Hutt

If you are looking for Pension Advice, Mortgage Advice, Investment Advice, Life Assurance and all Independent Financial Advice in Leamington Spa, Warwick, Kenilworth, Coventry and surrounding areas phone us for a FREE consultation.

January 2019

Making new year’s tax saving resolutions

By |January 29th, 2019|

Plan, prepare
Making new year’s tax saving resolutions
At this time of year, we think about New Year’s resolutions, and it’s also a good time to start planning our tax affairs before the end of the tax year on 5 April. As you think about 2019 and your goals for the coming year, we can help to […]

October 2017

Critical illness cover

By |October 27th, 2017|

Be prepared if life throws something unexpected your way
We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. It can happen to anyone at any time, and it’s easy to feel anxious about how we would cope. But if the worst does […]

Whole-of-life insurance

By |October 21st, 2017|

A guaranteed tax-free payment whenever you die
When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.
A whole-of-life insurance policy is designed to give you a specified […]

Term life insurance

By |October 17th, 2017|

Protecting your family’s finances by covering living expenses or replacing lost income
With a term life insurance policy, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out to […]

Different types of life insurance

By |October 13th, 2017|

Choosing the right type of cover
‘Single life’ policies cover just one person. A ‘joint life’ policy covers two people, and you will need to decide whether the policy pays out on the first or second death, as this will determine when the policy ends.
When choosing between these options, think about:

Affordability – a joint life policy is […]

Life insurance

By |October 11th, 2017|

Cover for you and your loved ones
It’s understandable that we would rather not think of the time when we’re no longer around. However, it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.
Financial safety net
We insure our cars, homes and even our […]

Long -term investing

By |October 9th, 2017|

How to fund a fulfilling life beyond our working years
Healthier lifestyles and medical advances mean that many of us can expect to enjoy longer lifespans than previous generations. However, this creates a significant challenge both for society as a whole and for us all as individuals – how to fund a fulfilling life beyond our […]

Financial protection

By |October 4th, 2017|

Are you prepared if life throws something unexpected your way?
A critical illness could happen to any one of us. If it does happen, having the right cover could help to minimise the financial impact on you and your loved ones. More than a third of people (36%) believe they would get no kind of support […]

Tax matters

By |October 2nd, 2017|

Improving your chance of a better retirement income
Every client’s story is different. Each one is unique. We invest significant time to understand your very personal circumstances. We do this for all our clients, and setting your retirement income target is an essential part of this process. The income you receive in retirement will depend upon […]

September 2017

Retirement taxation

By |September 28th, 2017|

Understanding the bottom line
Retired households handed over an average of £7,400 each in tax last year – the equivalent of nearly 30% of their annual income, according to analysis of newly released data by Prudential.
The total annual tax bill for the UK’s 7.1 million retired households was £52.7 billion from direct and indirect taxes, according […]