Hemisphere Financial Ltd's aim is to deliver a personal and comprehensive financial service to our clients in the areas of pensions, investments and general insurance. As apart of our response to the current climate we have now launched our new on-line video conferencing review process. This allows us to continue to provide our market leading advice without putting your and our advisors at risk.
Provide an effective and managed process that delivers a progressive wealth building solution to clients. We aim to treat all clients fairly and professionally whilst providing information in a format that is easily understood by all. We have a small number of client's per adviser because this ensures we can provide a really good service and build relationships with our clients that span many years.
Provide an effective and managed process that delivers a progressive wealth building solution to clients. We aim to treat all clients fairly and professionally whilst providing information in a format that is easily understood by all. We have a small number of client's per adviser because this ensures we can provide a really good service and build relationships with our clients that span many years.
Services
Life & General Insurances
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Not everyone needs life insurance (also known as life cover or life assurance). But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes - you probably do want life insurance, since it will help provide for your family in the event of your death.
Pension Basics
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Pensions might seem complicated but the basic idea is a simple one. It's worth understanding their benefits, because your State Pension - while providing a foundation - may not be enough to live on. You need to save more. The maximum basic State Pension is far below what most people say they hope to retire on.
About Pensions
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You make contributions to an insurance company to help fund your retirement. The insurance company invests these contributions in a range of different investments to build up a sum of money over time. As a basic rate taxpayer - If you wanted to invest 100 in your plan, you need only contribute 80 and the taxman will contribute the other 20.
New Pension Rules
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Until then, the rules about how much income you can access as a cash lump sum or through income withdrawal have been relaxed. Take up to a quarter (25%) of your pension pot tax-free and convert some or all of the rest into a taxable retirement income. Withdraw your cash in stages, with a quarter (25%) of each withdrawal tax-free and the remaining three quarters (75%) taxed as if it were income.
Choose A Financial Adviser
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When choosing a financial adviser, it's important to understand what type of service you are getting. Financial advisers offer 'independent' or 'restricted' advice. Find out what this means and how they charge for their services. Professional financial advisers fall into two categories - independent and restricted.
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