The Harvest Partnership Ltd is an Independent Financial Adviser, specialising in pension and investment arrangements for income and capital growth. Our clients include private individuals, charities, public and private trusts, and churches. The advice we offer is professional, bespoke and scrupulously independent.
WHAT WE DO
Our clients come from all walks and stages of life...
1 ● Already retired ● With the correct professional guidance it's usually possible to substantially improve the financial outlook for many prospective clients. This involves collating and reviewing existing arrangements with a view to setting up the level of income required while ensuring other important aspects, such as compatibility with attitude to risk and ethical outlook are catered for. It is never too late to review existing arrangements.
2 ● Approaching Retirement ● This is usually a matter of co-ordinating existing arrangements to put the client on target towards their desired level of income, post-retirement. Our specialism is to deliver income from dividend yield. When such dividends are 'buffered' they deliver a smoothed income stream, to become a foundational element of retirement income planning. Income from dividends is the primary mechanism by which to preserve capital during times of adverse trading conditions.
3 ● Early and mid-career ● To fail to plan is to plan to fail: The need is to put into effect the foundational financial elements necessary, not only in retirement, but also while still working. These might include pension arrangements, life assurance, critical illness plans, and more 'intermediate investment arrangements' such as ISAs, and Junior ISAs for children. Arrangements this firm put in place over the years have delivered the financial security clients required, just when they needed it.
4 ● Dealing with the estate of a loved one ● To act as executor of an estate can be one of the most challenging duties any of us can take on. Expert assistance in identifying investments within the estate, and items such as pensions that may fall outside of the estate for Inheritance Tax purposes, is essential. Lawyers understand wills, but Independent financial advisers understand investments. The knowledge and experience of — The Harvest Partnership — has proved invaluable to many clients.
SOME CONSIDERATIONS
W hile time is on our side, it's probably wise to assess our goals and make appropriate arrangements! Early and carefull attention to detail as to how we should go about accumulating adequate resources for our later years can quite literally pay dividends. Forward planning is the answer. We should fix the roof when the sun is shining!
Foundational elements of retirement income may comprise: State pension, an occupational pension or two, perhaps a personal pension and investments. Client situations vary considerably — no two client scenarios are the same — making professional and independent financial advice essential.
In every case, careful evaluation of existing arrangements is needed to ensure they are optimised for the task at hand. Our House practice is to ensure that, as far as possible, client income is derived from dividend yield - even from pensions - as this offers greater security of income while enhancing the potential for good capital performance, far into the future.
| The objective: Put clients in the fully informed position of knowing their income is sufficient and sustainable throughout their retirement. With care, and subject to certain criteria and future legislation, it is possible to manage arrangements for the optimised benefit of both client and the next generation. It is possible to honour the interests of both. the problem is less acute because they probably don't require income from their money; for them, a cash deposit is just a store of value; it doesn't have to do anything, although it would be very welcome if it did! | ||
— The Harvest Partnership Ltd — works to a fiduciary standard. A fiduciary is a person or organisation that puts the interests of clients ahead of their own. In any given situation, our advice should mirror the advice we would wish ourselves or our loved ones to receive, given our level of expertise. Working to a fiduciary standard is to be bound ethically to act in another's best interests, in good faith and trust. |
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COMMITTED TO GOOD CLIENT OUTCOMES
Good client outcomes are what every
professional financial services practice desires, and this is the primary focus of our work.
From the encouragement of all staff - including those not directly client-facing - to become professionally qualified, to the pursuit of further qualifications while also maintaining the required hours of Continuous Professional Development (CPD), the foundation of sound financial advice and effective ongoing service is knowledge.
Not least in the process of delivering sound advice is the impromptu case conference: Highly experienced staff exchange notes to cooperatively guide a matter towards the best client outcome.
This care and attention to detail has produced good administrative outcomes for clients as well as good investment outcomes. In this regard, we are pleased to confirm that we retain clients from this firm's inception in 1995. Indeed, we have received unsolicited letters from such clients expressing their gratitude for our service through the years. As one might imagine, this can be a humbling experience.
Our philosophy can be summed up in three words:
