Welcome to Holder & Combes

We aim to provide you with the best advice, best service and best information on pensions, investments, mortgages and protection

We offer face to face advice to both private clients and small to medium enterprises. Feel free to contact us to arrange an appointment or for more information


Current Issues

16th Edition News Letter: please click here to view the latest edition of our news letter.

Normal Minimum Pension Age: is rising from 50 to 55 on 6th April 2010. For anyone aged 50 - 55 wishing to retire (or even just take the tax free cash from your pension) before April next year, need to act now.

Special Annual Allowance: HMRC have introduced ‘anti forestalling’ measures in the run up to yet more restrictive legislation in 2011. The complicated new temporary rules limit pension funding for people earning over £150,000.

EIS & VCT:by deferring pre April 08 capital gains using our ‘protected’ tax structures can produce an effective annual rate of tax free return of 27% with return of capital in just three years. Alternatively, 30% immediate tax relief is given through a VCT:

CLICK HERE FOR A SHORT PRESENTATION ON VCT

What our clients have said

"Since taking over the management of my pension, Holder & Combes have reduced the charges, increased my investment options and their fund advice has produced impressive returns after only a year - I wish I had met them 15 years ago!"

Fiona Couper, Managing Director, Everystone.


"I have had other financial advisors in the past and have been privy to friends' dealings with other financial advisers and I can honestly say that Holder & Combes stands head and shoulders above other firms. I would recommend their services without hesitation."

Michele Bogucki, Sales Financial Coordinator, AV Machines.


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Our clients can now log in to our secure back office system to view their holdings and update us with changes of address or even to refer people to us. Please go to 'Our Services' to log in or call to register or for more information

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