When was the last time you had a complete financial review?

As your personal circumstances change, you may need to update your current plans in order to establish adequate provision for the future. Our services include a review of your existing arrangements:

Significant Events

There are so many issues to consider when planning your financial future; here are some significant events that would change your circumstances: getting married - first home - starting a family - funding for education - redundancy - starting your own business - unexpected windfall - divorce - illness - retirement - residential care. Personal circumstances will change from time to time. It is important to undertake a review of your financial position to accommodate all of your needs.

Protection

Life Assurance, Critical Illness Cover, Family Income Benefit, Permanent Health Insurance, Whole of Life.

Mortgage

First time buyers, Further Advance, Re-Mortgage, Moving Home, Buy to Let, Let to Buy

Savings Plans

Various schemes to plan for future requirements such as children's education, wedding expenses, deposit on a first home or just in case of emergencies.

Investment planning & management

You may wish to invest for growth and/or income, through Individual Savings Accounts, Unit Trusts/OEIC’s or Investment Bonds both on and offshore.

Pension planning

Defined benefits and Defined Contribution Company pension schemes, Personal and Stakeholder Pensions, Self Invested Personal Pensions, Self Administered Pension Schemes, Unlocking/Transferring Deferred Pension Benefits and Additional Voluntary Contributions (AVCs).

Annuities

Releasing benefits from an existing pension, Capital investment to purchase a guaranteed income, Income Drawdown and Phased Drawdown.

Inheritance Tax Planning

Use of protection products, Wills and Trusts.

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