Harrold Financial Services (2026)

05/02/2024

Do you have key person insurance in place?

At the heart of every successful business are talented, dedicated and capable people, but none of us know what the future will bring. Research found that 59% of businesses believe they would have to stop trading in less than a year after the death or critical illness of a key individual.

The loss of a key person from your company can have a destabilising effect. Key Person Protection gives you the means to recover.

Now is the time to seek expert advice and protect your business.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

*Source: Statistic based on Legal & General research

18/01/2024

How many years do you have until retirement? More importantly, can you afford it? As you approach this significant milestone, understanding and managing investment risk in your pension becomes crucial.

With less than 10 years to retirement, the balance of investment risk in your pension portfolio can dramatically influence your retirement income. Too much risk? You might face unexpected losses. Too little? You could miss out on valuable growth.

This is a pivotal moment for strategic financial planning. That’s where I come in. A well-considered approach can make the difference between a retirement of compromise and one of comfort.

Now is the time to seek expert advice and align your pension strategy with your retirement goals.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

12/10/2023

The continued success of a business relies on the professionals at the forefront of the organisation.

The death or illness of a key person or co-owner leaves businesses exposed to a number of risks which can have immediate consequences to its continuity.

Leaving businesses exposed to the following risks:
● Financial Loss ● Outstanding Debt ● Loss of Control

How can I help? Harrold FS are whole of market financial advisers, based in the Midlands,
with an interest and specialism in business protection planning. I am happy to offer professional advice and answer any questions you have about Business Protection.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

26/09/2023

What is critical illness cover?

It's like a financial safety net during life's toughest moments. This insurance policy has your back if you're hit with a critical illness during the policy term. It steps in and delivers a tax-free lump sum to you, no strings attached.

You can use it to cover medical expenses, monthly bills, or replace lost income while you focus on recovery. It is a valuable incentive for employees, which can be paid for by the business.

Why consider critical illness cover?

Because life is unpredictable, and health setbacks can happen to anyone.

Did you know:

* Over 1.4 million people in the UK have survived heart attacks.
* There are 1.3 million stroke survivors in the UK.
* 1 in 2 individuals will face some form of cancer in their lifetime.

Most common claims come from those battling cancer, heart attacks, strokes, multiple sclerosis, benign brain tumours, and Parkinson’s.

Why not schedule an initial consultation and we can take a look at your current position, explore your current policies and identify where you may need further protection.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

08/09/2023

''Relevant life insurance is a cost-effective and tax-friendly way for employers to offer employees life insurance policy that is paid for by the business.

From the chart above, you can see an example of the cost savings on the policy, when it is paid for by the business.

I can help you offer protection to your employees or directors and providing peace of mind against terminal illness or death. Providing a relevant life policy as part of an overall benefits package can make your company more attractive to potential employees, can help to retain and reward existing employees, and sends out the signal that you are a responsible and caring employer.''

Why not schedule an initial consultation and we can take a look at your current position, explore your current policies and identify where you may need further protection.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

10/08/2023

Did you know?
Insuring your key people can be done in three ways!

You can insure against their untimely death
You can insure against their diagnosis of a critical illness
You can insure them against having a long term illness or being incapacitated

A key person is someone who has a direct impact on a business’ profits. This could be the owner, head of a department, a talented salesperson or anyone with specialist skill or expertise. The business can set up insurances to protect itself from the impact of losing this person to an untimely death or illness. Having this insurance is a way of de-risking the business, providing an injection of cash at a difficult time, to help the business survive. This money also covers the cost of recruiting and retraining someone to replace them. I can help you to calculate the true cost of losing a key person and the impact on your business.

Why not schedule an initial consultation and we can take a look at your current position, explore your current policies and identify where you may need further protection.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

27/07/2023

Are the owners and key people within your business adequately insured?

If you already have policies in place, such as key person protection and shareholder protection - when did you last review the polices?

Has the value of your business increased within the last 12 months? It’s really important that your key person and shareholder policies keep pace with any business growth and change in value.

Schedule a complimentary on location or video call review of your existing policy, offering no obligation guidance on the next steps.

26/07/2023

Did you know as a whole of market advisor I have access to an unlimited range of insurance providers. This allows me to find the best policies and protection solely based on what's best for you and your business. Instead of dealing with multiple insurers yourself, I will streamline the process, saving you time comparing policy, I will do the research for you.

Why not schedule an initial consultation and we can take a look at your current position, explore your current policies and identify where you may need further protection.

Visit my website: https://lnkd.in/dKdgKPYZ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

20/07/2023

Relevant Life Cover: Offer protection to your employees or directors and give them peace of mind against terminal illness or death.

A Relevant Life Plan is a cost-effective way for you to arrange life insurance for your employees. It pays a lump-sum to your employee’s family if they die or are diagnosed with a terminal illness with a life expectancy of less than 12 months.

Did you know?
Your plan counts as a business expense so it’s tax deductible and doesn’t count towards annual or lifetime pensions.

Why not schedule an initial consultation and we can take a look at your current position, explore your current policies and identify where you may need further protection.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

14/07/2023

A key person is someone who has a direct impact on a business’ profits. This could be a business owner, director, salesperson or any employee with specialist skills or expertise. The business can set up insurance to cover the impact of death or critical illness of a key person. This would cover future sales and/or value of ideas generated by this person, plus the cost of recruiting and retraining someone to replace them. I can help you to calculate the true cost of losing a key person and insure them.

I advise companies and partnerships on setting up the right insurance to protect its owners and key people, whilst establishing a business will.

Visit my website: https://harroldfinancialservices.co.uk/ or alternatively send me an email: [email protected]

This post is for information purposes only and cannot be deemed as financial advice. Your personal tax and pension position would need to be assessed before any advice is provided. Harrold FS is a trading style of Aesir Wealth Ltd. Aesir Wealth is an appointed representative of Gateway Investment Services, which is authorised and regulated by the Financial Services Authority.

Harrold Financial Services

05/02/2024

18/01/2024

12/10/2023

26/09/2023

08/09/2023

10/08/2023

27/07/2023

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14/07/2023

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