Our Services

Being independent allows us to work on YOUR BEHALF!!

We provide advice on investments, mortgages, protection, pensions and inheritance

INVESTMENTS > > >
The first question we would ask you is "what are you trying to achieve?". Do you require investment advice for Growth or Income or maybe a combination of both.

If you are investing for:

• simply a better return
• wedding anniversary
• greater income in retirement
• a special holiday
• child savings

Whatever your requirements we are able to offer the right help on various types of investments from Offshore Investment advice, Investment Trusts, to mainstream deposit based accounts, ISAs etc. As an Adviser our job is to help you achieve your ambitions. Your attitude to risk is important, as is your need for income or capital growth.

MORTGAGES > > >
You may be a:

• First Time Buyer
• Moving home
• Wanting to save money on your existing mortgage by remortgaging to a lower rate
• Requiring a Fixed Interest Rate mortgage
• Buying to Let

We can assist you with our first class mortgage service.

We provide mortgage advice from the market as a whole, with a full recommendation and report service.

Your property may be repossessed if you do not keep up repayments on your mortgage.

For mortgages we can be paid by commission or fee. If paying by fee this is typically 0.5% of the loan.

PROTECTION > > >
Have you dependants you wish to protect, or outstanding mortgages/debts.

You might want to consider protecting your income in case of ill health - particularly if you run your own business.

How would you meet your mortgage costs if unable to work due to an accident or sickness.

Are you interested in the cost of Private Health Insurance or Critical Illness cover?

If you are in employment, how long would your employer pay you in the event of long-term ill health? Do you run your own business and wish to protect your staff or key people.

We can provide the right advice and analysis of your protection needs. Remember life assurance and health cover need not be expensive.

PENSIONS > > >
You may be:

• employed
• self-employed
• in a partnership
• or a company director.

The fact is that most people retire on less income than they would like. It is vitally important to obtain the right retirement financial planning advice as early as possible. If you are approaching retirement, you may be considering your retirement options and how to invest for your retirement. Some of the key factors to consider when saving for retirement are:

• How much income do you require.
• What effect will inflation have.
• Do you need flexibility.
• What age do you wish to retire.

Before drawing your benefits from an existing pension scheme, it pays to seek independent advice. Many schemes offer an "Open Market Option" that allows you to shop around when buying your pension. Not all Insurance companies pay the same rates. Do you know that some providers can even offer ill health annuities and enhanced annuities to smokers.

Irrespective of your career stage, or existing arrangements, we can provide comprehensive pensions advice.

INHERITANCE > > >
Are you concerned what will happen to your estate on your death?

What Inheritance tax, if any, would be payable? (previously known as “Death Tax”)

Would you like to gift monies to grandchildren or set up a Life Insurance Trust for beneficiaries?

Are you concerned what would happen if you required long term care. How would you pay nursing home fees?

We can provide you with the appropriate advice and guidance to help safeguard your estate for your family, and ensure your wishes are taken care of.

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