Find out how the Hart approach can help you increase your overall wealth and prosperity.  

Hart Financial Consultancy offers independent advice on the most complex of financial situations for individuals and companies.
We pride ourselves on our service and the fact that the majority of our clients are referrals.
Our specialities include:

•             TAX REDUCTION
•             ASSET PROTECTION
•             RETIREMENT OPTIONS
•             INVESTMENT PORTFOLIOS
•             PENSION PERFORMANCE REVIEWS
•             WEALTH PLANNING AND INVESTMENTS
•             UK & OVERSEAS PROPERTY INVESTMENT (Via The Hart Partnership (UK) LLP
•             INHERITANCE TAX AND HOW TO AVOID IT
•             RESIDENTIAL & COMMERCIAL MORTGAGES FOR HOME & ABROAD

Hart Financial Consultancy Ltd is authorised and regulated by the Financial Services Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.

INNOVATIVE TAX PLANNING TOOLS

By making use of Trusts, Self Invested Pension Plans, Venture Capital Trusts, Enterprise Zone Schemes and Limited Liability Partnerships for investments as well as a wide variety of other onshore and offshore arrangements, we are able to help clients make use of legitimate tax planning tools to reduce their tax burdens.  Schemes of these types are not suitable to all clients, as there are restrictions on the type of client that schemes such as VCT's and EIS may be offered to.

INNOVATIVE PORTFOLIO PLANNING

Asset allocation is a diversification strategy that works. A well balanced portfolio should be diversified amongst the major asset classes. Traditional rules of investing are still true but they must be adjusted periodically to fit the changing economic climate.

INNOVATIVE USE OF TECHNOLOGY

Investment portfolio construction and management is aided by complex software that helps analyse risk and asset allocation. Once constructed, your portfolio will be available to you online providing you with up to date valuations and trading information in an easy to
understand and user friendly package. 

PENSION PERFORMANCE PROGRAMME

For years people have been worrying about their pension funds because of negative press about under performing pensions both personal and company and a lack of clear information regarding pensions.  This has resulted in a negative view of pensions in general.
The importance of the investment element of pension plans has been underestimated and the concept of the Tax benefits alone has been the major driving force.
Through the use of detailed computer modelling, the Hart Pension Performance Programme provides an in depth analysis of your existing schemes focusing on charges, financial strength and performance of the underlying assets.
If you become a Hart Group client this is monitored on a regular basis to increase the overall growth and reduce the risk to your pension funds.
We provide our clients with an optimal mix of assets giving a higher potential return for any given level of risk and steadier investment growth than would otherwise be expected. 

THE HART INVESTMENT PROGRAMME

We follow proven methods of successful long term investing, providing our clients with the means to meet their investment objectives. The key areas of our programme are as follows:

Asset Allocation

Different investment types tend to rise and fall in value at different times, e.g. over the past few years the housing market has risen while the UK stock market has fallen. Harry Markowitz was awarded the Nobel Prize for his work showing that asset allocation is the most important factor in determining the performance of investment portfolios* a method that we adopt within the Hart Investment Programme.

Fund Selection

After assessing a suitable asset allocation mix for you, it is important to choose the most appropriate managers and funds within each sector. By selecting those fund management companies with special areas of expertise and those fund managers with a history of strong performance, an effective combination of funds can be compiled. Other factors we consider when recommending funds include:

• Consistency of fund performance
• Fund risk
• Value/growth orientation
• Small/large cap orientatio
• Fund size
• Industry holdings
• Underlying stock holdings
• Standard & Poors® star rating
• Fund correlations
• Manager tenure

   

* As shown by studies such as “Determinants of Portfolio Performance II: An Update,” Brinson, Singer & Beebower (1991)  ^ Harry M. Markowitz (b. 1927) was awarded the Nobel Prize for Economics in 1990 in conjunction with Merton H. Miller & William F. Sharpe for “their pioneering work in the theory of financial economics”
   

LEVELS OF SERVICE

The Hart Group offers bespoke solutions to meet your financial needs. The initial meeting is at our cost and places you under no obligation. No charge will be made without prior notice and all subsequent remuneration will be disclosed in full prior to any chargeable work being carried out.  We can either work on a fee or commission basis depending on your circumstances. We offer the following service levels for our clients to enable them to enhance and protect their wealth:

•             Platinum Proactive Wealth Planning
•             Gold Annual Review Wealth Planning
•             Silver Portfolio Review  

We also offer a Reactive Financial Advice Service for clients on a pay-as-you-go basis. If you would like more information on our service levels and client charges, please contact us.

THE HART GROUP

THE HART PARTNERSHIP (UK) LLP was established to guide its clients through the Overseas Property Investment market, one that has quickly become a minefield of opportunity.  Our clients can accurately assess the risks and potential rewards of different markets and investment types before making a commitment to invest. For more information visit www.hartsupport.co.uk. The Hart Partnership also deals with client administration for all Hart Group  advisers.

HART FINANCIAL CONSULTANCY LTD

Keith Hartland is the Director of Hart Financial Consultancy Ltd and Managing Partner of The Hart Partnership. He has been advising corporate and personal clients on wealth planning and creation since 1994.  Patrick Ryan is a Director and Wealth Planner.  Paul McLean is a Wealth Planner and between Keith, Patrick and Paul we offer over 50 years of experience in this sector.  Hart Financial Consultancy Ltd is authorised and regulated by The Financial Services Authority. 

 
Please call into the office or contact us for more information.

The Financial Services Authority does not regulate some forms of commercial mortgage, trusts, tax advice or overseas mortgages.

Changes in the exchange rate may increase the Sterling equivalent of your debt.