Heighten Wealth
Discover how to build wealth and secure your future with our comprehensive suite of financial services, expertly tailored to meet all your financial needs.
Welcome to Heighten Wealth
Financial planning for allHeighten Wealth serves individ
Working in conjunction with Equity and General Financial Services limited to deliver top-quality, independent financial advice. Offering a comprehensive suite of services to ensure your financial security, we provide complete solutions for everyone.
Elevate Your Wealth: Comprehensive Financial Solutions You Can Trust
From inheritance to investments and pensions to protection, Heighten Wealth offers you instant access to top independent experts. No matter who you are or your financial situation, we’re here to elevate your wealth journey.
Why Heighten Wealth
Choose Heighten Wealth for unmatched expertise and tailored financial solutions. The independent, top-tier advice and innovative strategies will secure your future and elevate your wealth. Trust us to turn your financial goals into reality.
- A Distinguished History of Personalised Financial Excellence
- Independent Expertise Tailored to Your Unique Financial Journey
- Growing Your Wealth While Making a Positive Impact
Who Do We Serve?
Heighten Wealth serves individuals and families seeking comprehensive financial planning and wealth management solutions. This includes those looking for expert guidance on investments, pensions, tax strategies, inheritance planning, and more.
Our services cater to a diverse range of clients, from those just starting to build their wealth to those looking to protect and transfer their assets across generations.
Regulatory Information and Advisory Disclaimer – Heighten Wealth is a trading style of Heighten Ltd and acts as an introducer to Equity and General Financial Services Limited, which is directly authorised and regulated by the Financial Conduct Authority (No. 474163).
All advice is provided by Equity and General Financial Services unless otherwise specified.
What Can We Do for You?
At Heighten Wealth, we give you access to tailored solutions to help you achieve your financial goals and secure your future.
Investment
We will arrange a meeting with a Wealth Advisor who will work closely with you to customise your investment strategy. They will assist you in determining how much to invest and the best approach to achieve your financial goals. Additionally, they will provide guidance on managing market fluctuations, helping to ensure a more stable and smooth investment experience.
Pensions
Even if you already have a private or workplace pension, we can arrange a meeting with a pensions advisor who will help you explore additional ways to boost your retirement income, ensuring you’re fully prepared for the future.
Mortgages
We make securing the perfect mortgage simple. We will connect you with a mortgage advisor who can select the best options from the market to find the ideal deal for you. With over 20 years of experience, the mortgage team has assisted thousands of clients. Whether you’re a first-time buyer, looking to remortgage, or investing in property, they will guide you through the process and help secure a mortgage that aligns with your needs and long-term goals.
Equity Release
We will arrange for you to meet with an equity release adviser. They can help you unlock tax-free cash from your home without the need to sell or move out. The amount you can access depends on your age and the value of your home. You can choose to receive the money as a single lump sum or in smaller instalments, and you can use it however you wish.
Whether it’s helping your children buy their own home, tackling financial concerns, paying off loans, or simply enjoying a more comfortable retirement, the choice is yours.
Inheritance Tax
Inhertance Planning for what happens after you’re gone is essential to ensure your loved ones can fulfill your wishes and avoid unnecessary Inheritance Tax. Without proper planning, your family could face a significant tax burden. Efficiently passing on your wealth often involves working with multiple specialists, and we can manage that process for you. Any additional tax planning advice will be provided by Heighten.
Reducing Your Tax Burden
No one wants to pay more tax than necessary, and we’ve got the guide to help you reduce your tax exposure.
Taxes can be one of the biggest expenses you’ll encounter in your lifetime. With income tax rates as high as 45%, even small adjustments to your tax situation can result in significant savings.
Let us show you how to make the most of your wealth by keeping more of it in your pocket.
Family Protection
Family protection ensures your loved ones stay financially secure if something unexpected happens.
There are many solutions that can be offered, for example term insurance, whole of life insurance, critical illness, income protection, accident and sickness. Especially after the pandemic, it’s crucial to think about how your family would manage financially if you were no longer around or seriously ill. We will arrange for you to meet with a protection adviser to tailor a bespoke package so you have peace of mind that your family can maintain their lifestyle no matter what.
Wills & Probate
Have you been delaying writing a will? You’re not alone. Less than 40% of UK adults have one, often thinking it’s too complicated, too costly, or just not a priority. However, without a will, you lose control over what happens to your estate when you pass away, potentially leaving your loved ones or chosen beneficiaries with nothing.
We’re here to simplify the process, ensuring your wishes are respected and providing peace of mind for you and security for your loved ones.
Will writing is not regulated by the Financial Conduct Authority
NextGen Wealth Management
Planning to pass on your wealth can be complex and costly, but it’s crucial for securing your loved ones’ future and protecting your wishes.
Our NextGen Intergenerational Wealth Management offers a unique, comprehensive service to handle all your needs.
Fully accredited, authorised, and regulated, our expert team provides peace of mind as we help ensure your family’s financial security for generations to come.
Get a free independent review of your personal finances, offering peace of mind and new investment and savings opportunities to grow your wealth.
Pension
Secure Your Future: Empower Your Retirement with the Right Pension Plan
Investing in a pension plan is a powerful way to secure your financial future, giving you control over your retirement.
A pension is a retirement savings vehicle that provides a reliable income stream once you retire from work. It involves regular contributions from an employer, a government agency, or even yourself, ensuring you have a steady income to rely on during retirement.
Here are the main types of pensions:
- Defined Benefit Pension: Offers a fixed monthly income upon retirement, based on salary and years of service, ensuring predictable financial stability.
- Defined Contribution Pension: Contributions are invested, and the retirement payout depends on investment performance, offering growth potential but with some risk.
- Government Pensions: Provided by government entities to the employees, ensuring a stable income during retirement.
Additionally, you can enhance your retirement planning with a Self-Invested Personal Pension (SIPP). A SIPP gives you the freedom to choose and manage your investments, allowing for greater control and flexibility. It’s a great option for those who want to take an active role in managing their retirement savings.
Pensions are a critical component of a well-rounded retirement plan. They offer financial security and a stable income, supplementing other retirement savings like personal savings or Social Security benefits. Understanding the different types of pensions and how they work can help you make informed decisions about your retirement strategy, ensuring you enjoy a comfortable and worry-free retirement.
Secure your financial future and ensure steady retirement income by investing in the right pension plan. Start now for a comfortable, worry-free retirement!
Mortgages
Unlock Your Perfect Mortgage: Expert Guidance & Exclusive Deals Await!
Finding the right mortgage can be overwhelming, but we’re here to help! As independent specialists with 22 years of experience, we’ve helped thousands of clients secure the best deals. We work across the market to find the best options tailored to your needs.
How We Help You:
- Expert Guidance: Our advisors navigate the complex mortgage landscape, ensuring you avoid pitfalls like being charged more or facing unnecessary restrictions.
- Stay Updated: Our team constantly monitor the market to offer the best deals, even if it means recommending a switch from your current lender.
Our Mortgage Process:
- Initial Assessment: We’ll review your income and financial situation to estimate your borrowing capacity and potential repayments.
- Detailed Search: We explore all suitable mortgage products and present you with the best options.
- Application Handling: We manage the entire application process, keeping you informed at every step.
Types of Mortgages:
- Buy-to-Let: For rental properties, with eligibility based on income and credit history.
- Interest-Only: Pay interest only, with separate savings for the principal.
- Capital + Interest: Gradually repay both the loan and interest.
- Offset: Reduce interest by offsetting savings against the mortgage balance.
- Poor Credit History: Options available, though typically with higher rates and larger deposits.
Interest Rate Options:
- Discounted, Tracker, Capped, Capped and Collared, Fixed, and Variable Rates: Various rates to suit your financial strategy, from fixed rates that provide stability to variable rates that can fluctuate with market conditions.
Get in Touch: Don’t navigate the mortgage maze alone. Book a call with our experts today, email us at info@heightenaccountants.co.uk or request a callback. Let’s find the perfect mortgage for you!
Free Financial Health Check: Secure Your Future
Get a Free Financial Health Check!
Our free, independent review of your personal finances helps you stay on top of your financial situation. This is your chance to explore new investment and savings opportunities that can boost your prosperity.
Why a Financial Health Check?
Regular reviews are essential for adjusting to changes in income, career, inflation, and tax laws. Our reviews ensure you’re financially secure and prepared for the future, especially retirement.
What We Do:
- Assess Your Finances: We evaluate your current financial situation and identify areas for improvement.
- Identify Opportunities: We’ll find new ways to save, invest, or reduce taxes.
- Expert Guidance: Our experienced team offers a market-wide perspective, giving you the best advice for your unique needs.
Review Process:
- Initial Call: A 20-minute conversation with a Client Relationship Manager kicks thing off. We may follow up with more detailed discussions as needed.
- Action Plan: After agreeing on a strategy, we’ll outline a plan for your financial growth.
Cost:
Our reviews are free and without obligation. Any subsequent advice or actions will be clearly priced before you decide to proceed.
Frequency:
We recommend reviewing your finances at least once a year to adapt to life’s changes.
Take control of your financial future today!
How Our Financial Planning And Wealth Management Services Work
Working with Equity & General, we have streamlined financial planning and wealth management to be as convenient as possible for Heighten clients.
Contact Us Easily:
No need for appointments or travel—simply pick up the phone and call us, or schedule a call by filling out the form at the top of our website.
Expert Consultation:
We will arrange a date and time which are suitable to you for an initial consultation. This is free of charge
Receive Your Plan:
You will be provided with a comprehensive financial plan and wealth management strategy, all from the comfort of your home. It’s that simple!
If you wish to discuss any aspects of the plan in more detail, further meetings will be arranged with an appropriate specialist adviser
How It Works:
If you wish to discuss any aspects of the plan in more detail, further meetings will be arranged with an appropriate specialist adviser
Heighten Wealth made finding the perfect mortgage a breeze! Their financial advisors’ expertise and personalised service secured us a great deal, making our home-buying experience stress-free.
Thanks to Heighten Wealth’s financial advisors, I have a solid pension plan that ensures a comfortable retirement. Their knowledgeable team provided exceptional guidance and support throughout the process.
Heighten Wealth and their financial associates expertly handled our will, probate, inheritance, and tax planning. Their comprehensive service and attention to detail gave us peace of mind and a secure financial future.
Our Pricing
Understanding Heighten Wealth’s Pricing Structure
We pride ourselves on transparency. Whatever the fee structure, we always confirm the details upfront in writing during our proposal process, ensuring you have peace of mind.
Our goal is to offer high-quality financial advice at competitive rates, providing you with exceptional value and service.
We pride ourselves on transparency. Whatever the fee structure, we always confirm the details upfront in writing during our proposal process, ensuring you have peace of mind. Our goal is to offer high-quality financial advice at competitive rates, providing you with exceptional value and service.
Financial Tidbits: Top 10 Fun Facts About Wealth and Finances in the UK
- The World’s First Coins: The first coins were made around 600 B.C. in the ancient kingdom of Lydia, now part of Turkey. They were made from a mixture of gold and silver called electrum.
- The Secret of Compound Interest: Albert Einstein reportedly called compound interest the “eighth wonder of the world.” He said, “He who understands it, earns it; he who doesn’t, pays it.”
- Million Pound Notes: While the UK has never issued a million-pound note for public use, the Bank of England did issue £1 million notes, known as “Giants,” and £100 million notes, known as “Titans,” for internal use between banks.
- Wealthiest Individuals in History: Adjusted for inflation, John D. Rockefeller is often considered one of the wealthiest individuals in history, surpassing modern billionaires. However, UK’s richest historical figure is often considered to be William the Conqueror.
- Penny Production: It costs more than a penny to make a penny. As of recent estimates, producing a single UK penny costs around 1.6 pence.
- Credit Cards and the Magnetic Stripe: The magnetic stripe on credit cards was created by IBM engineer Forrest Parry in 1960. His wife suggested ironing the stripe onto the card when tape didn’t work.
- Lottery Winners: About 70% of lottery winners end up broke within a few years. This surprising statistic highlights the importance of financial planning and management.
- The 20-80 Rule: Known as the Pareto Principle, it states that roughly 80% of effects come from 20% of causes. In finances, this can mean that 80% of your wealth might come from 20% of your investments.
- Oldest Bank in the UK: The UK’s oldest bank still in operation is C. Hoare & Co., founded in 1672.
- The Origin of the Pound Sign (£): The pound sign (£) is derived from the letter “L,” which stands for the Latin word “libra,” meaning scales or balance. This was an abbreviation for the Roman libra pondo, which meant “a pound by weight.”
Enjoy these intriguing financial tidbits and remember, understanding wealth can be as fun as it is rewarding!
Wealth Insights
Explore our most recent resources and thought leadership.
Retirement Planning: How Accountants Can Help You Prepare
November 8, 2024Why Retirement Planning Matters EarlyPlanning retirement in the UK is perhaps the most important thing to ensure your financial security. The sooner you start, the better prepared you will be in reaching your retirement goals. With the increasing life expectancy, the state pension does not go a long way in covering your cost of living. This […]
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Inheritance Tax Planning: All You Need to Know
November 6, 2024Inheritance Tax (IHT) in the UK is a tax on the estate like (property, money, and possessions) of someone who has passed away. The tax is applicable if the estate’s value exceeds a certain threshold. This tax, currently at 40%, is charged on the value of an estate above the nil-rate band, or inheritance tax-free […]
Learn MoreDisclaimer:
Heighten Wealth is proudly affiliated and partnered with Equity & General Financial Services Limited, which is directly authorised and regulated by the Financial Conduct Authority (No. 474163). We also have the flexibility to refer you to other regulated independent financial advisors and associates. For assistance with unresolved complaints, the Financial Ombudsman Service is available. Visit www.financial-ombudsman.org.uk for more information. Head office: 2 Charterhouse Mews, London, EC1M 6BB. Registered in England (03314593)
