Investment and Financial Planning

At Holland & Co Chartered Accountants, we believe that sound financial planning is the foundation of long-term financial security and prosperity. Because we already handle your accounts, tax affairs, and business planning, we are uniquely positioned to provide impartial, informed guidance on a wide range of investment and financial matters.

Our deep understanding of your financial position — including income, expenditure, business performance, and personal tax obligations — allows us to offer advice that is both strategic and tailored to your individual circumstances. We help you identify opportunities to protect, grow, and preserve your wealth, ensuring that your finances work effectively for you and your family.

Areas Where We Can Assist

We provide impartial advice and access to professional expertise in key areas such as:

  • Pension Schemes
    We advise on the structure, funding, and tax efficiency of pension arrangements — whether personal, occupational, or self-invested personal pensions (SIPPs). We can help you assess contribution levels, evaluate your retirement income projections, and ensure that your pension strategy aligns with your long-term objectives.

  • Life Assurance
    Life assurance remains a cornerstone of responsible financial planning. We can help you understand the different policy options — including term assurance, whole-of-life cover, and decreasing term policies — and work with independent specialists to ensure you obtain appropriate and competitively priced protection for your family or business.

  • Critical Illness Cover
    Financial protection in the event of serious illness can make a crucial difference. We can guide you on how to structure policies that complement existing income protection or pension arrangements, ensuring you and your dependants remain financially secure.

  • Private Medical Insurance and Care Plans
    With increasing healthcare costs and NHS waiting times, many clients choose private medical insurance to access faster treatment and higher levels of care. We can help you review suitable policies and evaluate the tax and financial implications of company-funded or personal medical cover.

  • Individual Savings Accounts (ISAs)
    ISAs remain one of the most tax-efficient ways to save and invest. We can advise on using cash ISAs, stocks and shares ISAs, and innovative finance ISAs as part of a balanced portfolio, ensuring you maximise your annual tax-free allowances.

  • Investments and Wealth Management
    We can assist you in reviewing your investment portfolio to ensure it reflects your risk tolerance, income requirements, and long-term goals. Working alongside trusted independent financial advisers (IFAs), we help you make informed decisions about asset allocation, diversification, and investment performance.

Collaborating with Trusted Independent Advisers

In today’s complex financial markets, it is essential to seek advice from regulated professionals with the right expertise. While we provide initial guidance and overall financial oversight, we also draw on our extensive network of independent financial advisers, investment managers, and insurance professionals.

When your requirements extend beyond our direct scope, we will recommend a suitably qualified and authorised independent adviser, ensuring that you receive advice that is objective, compliant, and tailored to your needs. We continue to work alongside these professionals to ensure that your financial, tax, and investment strategies remain fully integrated.

This collaborative approach gives you the best of both worlds:

  • A holistic understanding of your financial position from your accountant’s perspective.

  • Specialist, regulated advice from an independent financial expert.

Why Choose Holland & Co as Your First Point of Contact

As your trusted accountants, we are perfectly placed to assess how any investment or financial decision might affect your wider financial picture — including tax exposure, cashflow, and business profitability. Our oversight ensures that each decision you make contributes to your long-term financial well-being.

By making us your first port of call for financial and investment advice, you gain:

  • Impartial and coordinated guidance tailored to your full financial circumstances.

  • Confidence that all advice is integrated with your tax and business strategy.

  • Access to a trusted network of independent and regulated specialists.

We take pride in ensuring that every client receives reliable, professional, and objective advice — whether directly from our team or through our carefully selected partners.

Contact us today to discuss your investment and financial planning needs. Whether you are planning for retirement, protecting your family, or building long-term wealth, we will ensure you receive the expert guidance and personal support required to achieve financial security and peace of mind.