Financial Services
- Pensions: Allowing you to plan all your tomorrows today.
- New or existing Pension Plans: A personal pension is a long-term investment that helps you build up a sum of money, which you can then use to provide yourself with an income in retirement. We can offer comprehensive advice on all types of personal pension plans, whether you are new to pensions or have a previous plan(s) to review.
- Small Self-Administered Schemes (SSAS): A type of pension scheme which allows the trustees to manage the investments themselves. These schemes have fewer than twelve members with at least one member being in some way connected to the employer, another scheme member or a trustee.
- Self Invested Personal Pensions (SIPP): Are schemes similar to a SSAS but are designed for the self-employed. They allow for individual investments to be made in an Inland Revenue approved list of investments.
- Group Pension Plans: Allows an employer to help employees make provision for retirement without necessarily contributing to the cost. These schemes are usually organised by the employer, the same provider is used for all employees, and the policy is portable and transferable when an employee moves to new employment. An employer is not obliged to make contributions and can make different levels of contribution for different employees.
-
Retirement options:
- Annuites: An annuity is a way of providing a regular income for the rest of your life.
- Income Drawdown: Also known as ‘pension fund withdrawals', this is a way of taking an income from the money you've built up in your pension fund.
- Mortgages: Expert advice to guide you through the ever changing marketplace.
- Guidance on the best mortgage deal for you: With access to the entire Marketplace we are ideally suited to offer you tailored impartial advise on the most suitable product for your individual circumstances.
- Equity Release Schemes: Deciding on which type of equity release to go for or even if you should go for one at all, can be a difficult decision to make. We have experience, knowledge and qualifications to aid you and your family through this important and sensitive area.
- Buy to Let: As second property ownership has grown in the last decade the number of lenders and variety of products has increased hugely. This can make an important decision an increasingly difficult one, our sourcing systems allow us to filter the lenders to meet your needs, ensuring you get a product that suites you in a timescale that’s acceptable.
- Commercial Loans: We understand the importance of choosing the right type of financing and aim to be quick in responding to your needs, while keeping documentation as simple as possible, thus allowing you to run your business.
- Protection: Providing peace of mind against the unexpected.
- Life Assurance It's a straightforward and affordable way of helping make sure that your family and loved ones are financially secure in the event of your death. The lump sum can be used to provide financial support to your family and loved ones, who might otherwise struggle to pay the mortgage, bills and other living expenses without your income.
- Critical Illness Protection: Critical illness cover pays out a lump sum if you are diagnosed with a critical illness that meets the plans agreed definitions and subsequently survive for at least 14 days.
- Income Protection: The current statutory sick-pay stands at £79.15 a week for the first 28 weeks and can then reduce depending on your circumstances, if you qualify in the first place! Unless this is enough to cover all your financial commitments should you lose your income through illness or injury, then an Income Protection place can help to maintain your current lifestyle.
- Inheritance Tax Protection/Planning: Most people regard inheritance tax as a concern only for the very wealthy, but the total value of your assets could be more than you realise. In addition to the value of your property, your household contents, car, savings and investments could all be included for inheritance tax purposes. Even ISAs and PEPs lose their tax-free status and are added as part of your potential taxable estate.
- Personal Medical Insurance: Private Health Insurance is all about quickly finding out what may be wrong with you and then making sure it gets fixed as quickly as possible.
- Investments: Making sure your surplus income or lump sums are working as hard as you are.
- Childrens Bonds: Since 1st September 2002, the government has given the parents of each newborn child in the UK a voucher for £250 which can only be used to open and kick-start a Child Trust Fund (CTF) account. Friends or family members can contribute to your child's account, up to £1,200 every birthday year may be added in total - and all growth in the account will be tax-free.
- Regular Savings: A monthly, quartlery, half yearly or annual payment into an interest bearing savings account.
- Investment Bonds: Investment bonds are sold by life insurance companies and allow you to invest in a variety of funds managed by professional investment managers. They are normally designed to produce long term capital growth, but can also be used to generate an income.
- Unit trusts and OEIC’s: Investment funds are the generic name for unit trusts and OEICs. Open-Ended Investment Company (OEIC) - a collective investment scheme with a separate legal entity, issuing shares rather than units. A Unit trust is a collective investment, where investors’ pool their money to buy units in a fund.
- ISA: Individual Savings Account – accounts are designed to enable an individual to save without paying income or capital gains tax on their savings.
