In common with many people my co-director David and I had various pension assets from different stages of our careers. Yogesh and his team provided us both with clear, no jargon advice explaining the benefits and pitfalls of our several options. A framework for rationalisation was then agreed and implemented by Hyrifa who continue to give us straightforward advice which is pertinent to our individual aims and desires.
Both David and I have no hesitation in commending Hyrifa to you.
Gordon Harris Chairman Advanced Roofing & Flooring Ltd
Professional independent financial advice is essential to the running of any business and I would not hesitate to recommend Hyrifa to any business owner. We leave the running of our employee pension scheme and other employee benefits to Hyrifa in the knowledge that they will ensure we are compliant with the ever increasing legislation and regulations we face as an employer. Our employees really appreciate their personal and friendly approach.
We have also seen the benefit of Hyrifa working closely with our accountant to help formulate our overall business strategy and tax planning.
Stephen Hoggar Managing Director Multi-Wing UK Ltd
We started by giving Hyrifa a very challenging project. It involved the dismantling of a very old scheme which comprised of a permanent income protection plan and a death in service benefit combined with a pension scheme, while providing alternative affordable cover. From my point of view, what had begun as a daunting task for the company became a relatively pain free exercise and Hyrifa took a real weight from my shoulders.
Hyrifa provide a truly friendly and personal service, and importantly for me they have the same approach to our employees. This means I am confident, where required, their financial planning is being looked after and we can concentrate on the business.
Chaz Ellis Financial Director C S Ellis Group Ltd
"Colin from - Derbyshire"
Like many people I had a number of pension benefits built up through previous employers and was struggling to calculate their true values and what I should be doing about them. I was also keenly aware that my mortgage was not going to be repaid as a result of under-performing endowments and I would have an outstanding mortgage passed beyond my retirement age - this was a real worry.
Fortunately I was introduced to Glyn Hall by a colleague. Glyn made a number of calculations and provided a full analysis, giving the advantages and disadvantages of transferring the available fund into a plan in my own name. Presented with the full facts I was able to make an informed decision which suited my specific circumstances. I decided to consolidate all my pensions together and then used my tax free cash entitlement to repay my mortgage.
The end result was my mortgage is now completely repaid 5 years before my expected retirement age and I still have a significant pension fund to draw on for retirement income when I finally retire.
Glyn has continued to provide ongoing advice on how to invest my pension fund and the levels of pension I could take in the future.
I cannot recommend Hyrifa Limited strongly enough.