Financial
Services
Online
quotes and a full range of Independent Financial Advice and Planning.
A brief list of what is available:
Protection - cover if you die. Life Assurance, Life Insurance -
ideal for young families, tight budgets, businesses insuring key staff, where
cover but no investment is needed.
Policies
with an element of savings - endowments,
savings schemes (e.g. 10 year plans), off-shore plans (not only for
ex-patriots!).
House purchase and re-mortgages - we can help you find a mortgage
ideally suited to your circumstances. As independent mortgage experts:
We
monitor the market and give you access to the hundreds of products from a long
list of tried and trusted lenders.
By
working with them, we can help you search for the mortgage that's right for
you.
Even
if your needs are out of the ordinary, we'll scour the whole market to help you
find what is the best loan for you.
Our
expertise means that you don't need to waste your weekends or take a lot of
time off work. Instead, you can focus on what's important to you.
One
mortgage case we looked at had 9,170 different suitable products. Do you really have the time (and the computer
tools) to search through all those?
Click here to view the
leaflet "You and Your Mortgage"
Pensions - personal pensions, additional
voluntary contributions (AVCs, including free standing), company, Stakeholder
pensions, self invested.
Estimates
say that 25% of those born in 1950 will live to be 100! Think of the
implications for pensions and long term care!!
The
State won't keep you in a comfortable retirement.
You
need to look after yourself. We can help.
Stakeholder Pensions - get the
latest on the Government scheme
Investment & lump sums - portfolios, what
to do with your pile - whether it comes from Aunt Agatha's inheritance,
business, personal savings, redundancy, litigation damages, or the Lottery!
Hang on to it, make it grow, reduce Inheritance Tax (IHT) if possible. We are
sensitive to individual requirements, e.g. compensation recipients.
Income and Health
What
happens if your health goes?
Who
pays the bills if you can't work?
Long
Term Disability Insurance (LTD) - insure your income.
Critical
Illness - you don't die, BUT...
Medical
fees, nursing home fees etc. A range of policies to suit you.
Inheritance Tax mitigation - pass on your loot to your kids,
the cats' home or wherever, but give away as little in tax as you can!
Surrendering an endowment assurance policy or
low cost endowment policy?
There
may be a better way.
You can get up to 60% more than the surrender value by clicking
here!
Or you can BUY a 2nd hand endowment assurance policy
by clicking here.
Tax avoidance (not evasion!):
Help
with arranging savings, investments and insurances in a tax efficient way.
Make
your premiums count for the most they can.
Reports and expert witness
statements for
Solicitors and Court
opinions
on arrangements, wrongly sold second mortgages, pensions etc. (We charge a fee
for this service.)
National Savings - Go to National Savings
Web Site
This
is a link for your convenience; we give no advice on this and do not imply any
endorsement of suitability of these products, which you take entirely at your
own risk.
Advice
on National Savings products is only available from us on a time based fee
basis.
Note:
The value of investments may rise or fall. Past performance is not necessarily
a guide to the future.