Katy Meets...HWIFM

By Katy O'Regan

If you’ve been navigating the complex waters of financial planning, you may have already heard of HWIFM Ltd. This Holmes Chapel based firm, led by the experienced and approachable Gary Makin, has become a go to resource for those looking to secure their financial future. Today, we’re looking into the story of how Gary got started, what services he offers, and why this small local firm is making a big impact.

Gary began his journey nearly 19 years ago, pursuing a lifelong dream of becoming an accountant. But as the years rolled by, his interest in financial services grew, leading him down a new path. About seven years ago, he took the plunge and retrained, earning a qualification in Financial Planning. By 2020, a pivotal year for many, Gary made the bold decision to sell part of the business and take full control of the firm, steering it into the future with a renewed focus.

So, what exactly does HWIFM Ltd do? The firm’s primary focus is on Pensions & Investments, crucial areas for anyone thinking about retirement. They also offer income protection services, including critical illness cover, ensuring their clients are protected no matter what life throws their way.

But the firm’s services don’t stop there. They also specialise in Estate Planning and Wealth Management, helping clients ensure their estate is passed on to the right people when the time comes.

HWIFM Ltd isn’t just about offering financial services; it’s about offering the best financial services. As a ‘Whole of Market’ provider, they’re not tied to any one company. Instead, they have the flexibility to shop around, continually researching and meeting with different providers to find the best options for their clients. Whether it’s recent performance, competitive rates, or changing market conditions, they’re always ready to switch providers if it means a better outcome for the client.

Lately, more and more clients are interested in Inheritance Tax (IHT) and Trusts, especially with the ever changing landscape of government legislation. Gary and his team stay ahead of the curve, ensuring their clients are well prepared for whatever the future holds.

Why Holmes Chapel? The firm recently relocated from Northwich, and according to Gary, the move has been a breath of fresh air. “We wanted a new start, something that would better reflect our brand,” he says. Holmes Chapel, with its small village charm, offered the perfect setting. The new location isn’t just convenient for the staff; it also aligns with the firm’s desire for a slightly less corporate feel, making it a more comfortable and approachable space for clients.

In a world where financial planning can often feel overwhelming, it’s reassuring to know there’s a team like HWIFM Ltd, right here in Holmes Chapel, ready to guide you every step of the way.

All information accurate as of September 2024.