What we will do for you;
- review performance
- compare costs
- consider financial strength
- recommend premium levels
- consolidate plans
- arrange annuities
- arrange drawdown plans
PENSION ON TRACK?
Concerned that your current pension arrangements are not on track to provide you with the lifestyle you want? We are able to review your current pension(s) and compare the cost and performance with other providers in the market place or just get you started with a new pension.
ABOUT TO RETIRE?
Coming up to retirement? In good or poor health? Married or single? We will compare the income offered by your current provider against that available on the open market to ensure you receive as much as possible.
WANT TO INCENTIVISE YOUR EMPLOYEES?
SETTING UP A QUALIFYING WORKPLACE PENSION SCHEME?
We offer a variety of pension products suitable for the workplace with service levels from fully advised to non-advised schemes.
A PENSION IS A LONG TERM INVESTMENT THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND ON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.
PROTECTION OPTIONS
PROTECTION OPTIONS
What we will do for you;
- calculate shortfalls
- compare costs of providers
- compare the different options available with each product provider
- recommend to a budget if required
IS YOUR FAMILY PROVIDED FOR?
Concerned that in the event of a death or ill health, the lifestyle of you, your partner or family may suffer? Moving home and need extra mortgage protection? We will research a range of products and providers to source you the best product at the right price.
WORRIED ABOUT RISING FUNERAL COSTS?
The cost of a funeral is rising faster than inflation. At an already stressful time, finding the money for a funeral may be another difficult issue for families to contend with. With a Whole of Life Policy or a Pre-Paid Funeral Plan you are able to leave your estate and family without that worry by dealing with the issue now and at today’s prices.
INHERITANCE TAX PLANNING
Life cover is one way to help your estate cover the cost of paying an inheritance tax bill. We will calculate your inheritance tax bill and agree a solution to any tax charge.
WANT TO PROVIDE YOUR STAFF WITH BENEFITS?
Business protection will avoid those complications for owners of a firm who want to make sure that the business continues to run in the event of the death or illness of a key person. It is also a way to provide your staff with benefits to protect their families thereby building a valuable employment package for them.
INVESTMENT OPTIONS
- review performance
- compare costs
- consider financial strength
- recommend premium levels
- tax planning
- match your attitude to risk
- arrange for inheritance planning
- selection of investment options
We offer advice on the most tax efficient way to make your investments work for you. We will utilise your ISA allowance, make the most of your capital gains tax allowance or provide income that may defer any tax bill until your tax rate changes.
BUILDING YOUR SAVINGS OR WANT THE POTENTIAL FOR BETTER GROWTH?
Our savings options allow you invest on a monthly basis or with a lump sum. Whether you are saving to build up capital, saving for a specific event, or requiring a better return on your existing funds, we have an option that will suit you.
WANT DIFFERENT WAYS TO INVEST?
Do you want to pick your own funds or have them chosen by experts? Do you want to be involved in the investment process and decisions or prefer to leave it to the fund managers? Whatever you want, our proposition will allow you to choose a way to invest that best meets your needs.
INHERITANCE TAX LIABILITY?
We will calculate your inheritance tax liability and make suitable recommendations to prevent or limit this charge. If this is an area that concerns you then we can discuss the options and see if they fit in with your current position and financial aspirations.
THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
We offer a range of advice and product solutions suitable for your business, including group pension, life assurance, medical cover and income replacement. We also offer a range of commercial insurance products from liability to premises.
We aim to secure a competitive price for a quality product to meet all your insurance requirements.
We have access to a wide range of Insurance Companies offering home, contents, medical, pet, travel, accident, sickness and unemployment protection.