• Specialist Investments
  • Property Investment
  • Income & Capital Gains Tax Planning
  • Estate and Retirement Planning
  • Tax Services
  • Mortgages
  • Life Insurance
  • PHI Critical Illness
  • General Insurance
  • Employee Benefits
  • Asset Management
  • Private Client Adviser
  • Technical Consultant
  • Adminstrator
Specialist Services Map Specialist Investments Property Investment Income & Capital Gains Tax Planning Estate Planning & Trustee Services Tax Services Mortgages Life Insurance PHI Critical Illness General Insurance Employee Benefits Asset Management Private Client Adviser Technical Consultant Adminstrator
  • Specialist Investments
  • Property Investment
  • Income & Capital Gains Tax Planning
  • Estate and Retirement Planning
  • Tax Services
  • Mortgages
  • Life Insurance
  • PHI Critical Illness
  • General Insurance
  • Employee Benefits
  • Asset Management
  • Private Client Adviser
  • Technical Consultant
  • Adminstrator

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Specialist Services

HFM Columbus will provide you with your own dedicated team and access to a one stop financial solution.

Although our services can be provided on an ‘as required’ basis, the vast majority of our clients develop a partnership with their adviser team utilising our HFMC Navigator™ financial planning process,  allowing them to monitor and adjust their financial progress by accessing our full range of services over time.

Specialist Investments

Many of our clients benefit from participation in specialist investments, that we call ‘satellite’ investments which often take advantage of whatever tax reliefs are available at the time.

Property Investment

HFMC has tremendous experience in sourcing and completing due diligence on property syndicates where over the years our clients have invested in excess of £½ billion in assets.

Income & Capital Gains Tax Planning

Our size means that we are able to negotiate exceptional terms on tax shelters such as offshore bonds and SIPPs where we have our own in house solution. At HFM Columbus we make extensive use of tax efficient structures. We have access to a significant number of tax efficient solutions and incorporation of these into clients’ financial plans is in many cases an integral part of the service that we provide.

Estate Planning & Trustee Services

Wills allow individuals to appoint and proportion their estate to those whom they wish to benefit. If no will has been made the individual is deemed to have died intestate and the intestacy rules will dictate to whom assets are distributed. When assets pass under trust there is an extra amount of control even after the death of the individual. Often trusts are used to pass assets on to those who are minors, as this is a way of passing assets on to them without them having full control. Trustees are the legal owners of the trust property and manage it for the benefit of the beneficiaries.  Careful use of Trusts can also be used to pass assets to beneficiaries in an Inheritance Tax efficient manner.

Tax Services

Key ancilliary services that we are able to deliver include provision of tax returns, dealing with HMRC enquiries and other tax planning needs.

Mortgages

Our mortgage division can provide both residential, commercial and buy to let mortgage solutions. This division dates back to 1988. The team, all mortgage qualified,  specialise in private financing for high net worth individuals and in commercial mortgages. The team have extensive experience in high value mortgages, high loan to value mortgages, offset mortgages, mortgages on overseas property and investment mortgages.

Thinking about your mortgage commitments doesn’t have to coincide with a move, the ever changing range of mortgage products available means that it is likely that we could significantly reduce your financing costs.

Life Insurance

We offer our clients expert and impartial advice for their personal protection.  Choice of provider and type of cover is crucial to the optimal provision of  cash benefits to your family in the event of your premature death.

The market in protection products is vast. We can independently advise you on what products best suit your and your family’s requirements at this time. This may be simply analysing your existing policies to see if your arrangements remain competitive and are providing you with good value for money. Our independent status ensures we will give you impartial and unbiased advice.

PHI & Critical Illness

Our client service teams will ensure that insurance requirements should these be applicable,  are sourced both cost effectively and from companies providing comprehensive levels of cover.  These days, for people of working age, good health is the normal state, and few people consider what would happen if, due to ill health, their career was interrupted or even stopped. For others, the risks are of frailty in old age.

This group of insurances covers all these issues – from getting fast and effective health care, to providing lump sums for more serious problems, to providing income where long-term ill health prevents you working, to providing for the (potentially life savings destroying) cost of old age care. In short, they are all about maintaining your quality of life, in adverse circumstances.

  • Critical Illness Cover
  • Long term care
  • Income Protection Insurance (aka Permanent Health Insurance)
  • Private Medical Insurance

General Insurance

HFMC Insurance Services is a specialist insurance broker. Through its team of experienced professionals it provides advice and insurance services for high net worth individuals, investors in property, professional firms and industrial concerns. HFMCIS provides a tailored approach to these very different areas of insurance.

Many wealthy clients do not have the time to ensure that their general insurance affairs are structured properly and this can lead to problems with under-insurance, badly rated policies and worse, inappropriate policies which means that claims may not be met properly. HFMCIS help clients in all aspects of ensuring they protect their property assets properly. On business insurance they can draw on the expertise of senior account directors in many areas of commercial insurance to advise and not act as just buyers of insurance for clients.

HFM Columbus Insurance Services is a trading style of Stackhouse Poland Ltd, one of the country’s leading private client and corporate insurance brokers and who work with us to provide these specialist services. They were Insurance Broker of the Year in 2013. Stackhouse Poland Ltd is authorised and regulated by the FCA No. 309340.

 

Employee Benefits

Headed up by Jason Lines (who has over 25 years experience in the corporate pensions market and 14 years with HFMC of which 10 years as an Equity Partner), HFMC’S EB division helps companies develop and maintain successful employee benefit strategies. This is achieved by working closely in partnership with our corporate clients and providing a very personal and hands on service proposition.

The division which forms a substantial part of HFMC Group, manages pension schemes with total assets in excess of £200M representing over 5,000 employees as well as having a large book of Group Risk, resulting in the ability to negotiate competitive terms with leading insurers.

With ‘good member outcomes’ at the core of the ongoing Governance process we apply to the group pension schemes and employee benefits we advise on and administer, we also have the added depth of having an in-house Investment Team and the coveted Personal Finance Society Chartered Status, helping to differentiate us from main stream employee benefit consultancies.

HFMC’s Employee Benefits department has been providing bespoke and detailed advice to its corporate clients since its inception in 1986 and operates in complete harmony with the Private Clients department providing our specialists with shared access to information to deliver a seamless range of solutions.

 

Asset Management

After analysing your financial objectives and risk profile, we help you to decide whether your priorities are Income or Growth or a combination of the two. We then help you to assess your liquidity (cash) requirements. This cash forms part of the Core of your portfolio.

Core

The second element of the Core will be the proportion of your portfolio dedicated to traditional liquid investments, including: equities, bonds and property, that can be switched or realised usually at a day’s notice. In many cases we would utilise one or more of our discretionary portfolios (HFMC Quadrant PortfoliosTM ) to provide you with day to day management of the Core.

Satellite

We would then seek to improve your risk adjusted returns by adding potentially less liquid investments which we call “Satellite”. The mix between the two will be a function of your investment needs and preferences. Your private client team will then work with you over time on an advisory basis, to assemble an appropriate mix of Satellite investments.

Private Client Adviser

Your HFM Columbus Private Client Adviser will provide you with impartial, unbiased, personalized financial advice drawing on their wealth of experience and the support of a dedicated team. We believe that financial advice is a continuing process and as your circumstances evolve your Adviser will help you to achieve your changing financial objectives and be best prepared for the future. Our Advisers do this by building long standing relationships with clients allowing them to gain a thorough and ongoing understanding of their needs and requirements whilst engendering confidence and trust to remove the stress from your financial affairs.

Your Private Client Adviser can provide a holistic service addressing all areas of financial planning and will work with and complement your other professional advisers ensuring that all your needs are met. As independent financial advisers they have access to the whole market of financial solutions allowing them to provide the best possible advice and to tailor it to your unique circumstances.

All our Private Client Advisers hold professional qualifications, with a number having attained the coveted status of Chartered Financial Planner, and they are required to complete Continuing Professional Development to ensure that their knowledge and skills remain up to date. HFM Columbus is based on principles of trust and integrity and a desire to add value for our clients in a meaningful way so you can be sure that your Private Client Adviser will always act in your best interests.

 

 

Technical Consultant

Your Private Client Adviser is supported by a Technical Consultant who works with them to ensure you receive both the best advice and the best service possible on an ongoing basis. Our Technical Consultants all have considerable industry experience and qualifications, with a number holding the Fellowship of the Chartered Insurance Institute which is widely regarded as the premier qualification in our field.

Your Technical Consultant will help your Adviser to analyze and evaluate your individual circumstances considering all the information we have gathered about you in order that we may best help you meet your financial objectives. They are trained to carry out research and in the use of our propriety financial modeling tools, including lifetime cashflows, and will assist in the provision and implementation of your personalized financial advice ensuring that the most suitable products and investments are sourced and strategies employed.

Through their Continuing Professional Development Programs they keep up to date with regulatory and legal changes making certain that advice remains appropriate and your financial affairs are managed effectively on an ongoing basis. You will be provided with all your Technical Consultants details in addition to your Advisers and they will be able to provide you with support and assist you with many of the queries you will have regarding your finances.

 

 

Administrator

Each HFM Columbus Private Client Adviser has their own dedicated Administrator. They are responsible for implementing much of the advice you receive together with the day to day administration of your portfolio and records. In addition to this they can provide you with up to date information including valuations when required.

As well as helping implement advice your Administrator will complete many essential tasks such as preparing the information required for meetings with your Adviser, dealing with correspondence, serving existing policies and handling queries. By completing these tasks your Administrator ensures that your Adviser and Technical Consultant are free to concentrate on financial planning adding the maximum value possible to the service you receive.

 

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