Russell Hathaway

I qualified as a financial adviser in 1998. Since then I have gathered a wealth of experience which helps me offer a truly personal and comprehensive service to my clients. My areas of expertise include personal insurance, mortgages, investments, pensions both pre and post retirement. My client base is very diverse ranging from young professionals just starting their financial planning journey to much older clients completing theirs. Please visit my website for more information www.nimoney.com I believe the key to being a good financial adviser is having a good level of technical knowledge but more importantly the ability to listen and connect with what really matters to clients. I look forward to spending time with you to understand your current financial situation and what your objectives and aspirations are for the future. Some of my clients have been with me for over 20 years and I hope that you can join them. I am a member of the Personal Finance Society and I received my Diploma in Professional Financial Advice from the Chartered Insurance Institute in 2012 which was the culmination of two years of study whilst advising. My spare time revolves around my family with my two young boys. I enjoy CrossFit training at the gym and entering the occasional 10km race to remind myself to keep up the fitness! Thanks for reading! Russell Approved by The Openwork Partnership on 21/01/2025 Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you. Warning: A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release.Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help to understand the best level of life, critical illness and income cover for you. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.