Financial Advice

We are always willing and able to afford introductions to known and respected independent financial advisers, so that you can take expert advice in reviewing your options, for example in relation to:

  • Investments
  • Mortgages
  • Pensions
  • Retirement planning
  • Inheritance tax planning
  • Equity release
  • Long term care
  • Life assurance
  • Insurance
  • Household/contents insurance
  • Buildings insurance

The following are examples of financial services frequently required beyond routine savings:

  • Retirement: Various options arise at retirement. For example, do you take any available lump sum? If you have a money purchase fund, should you buy the annuity or take income drawdown? If pension planning is still in its early stages, do you need to pay higher contributions to achieve your target fund? Which pension do you choose?

  • Inheritance Tax Planning & Saving: Do you have an estate which will attract inheritance tax? If so, how can you try to mitigate this liability? Is your family protected if you die prematurely?

  • Divorce: How will any divorce impact on your savings and pension arrangements in particular. How do you get the best price for your endowment if this has to be surrendered?

The range and complexity of financial products available today mean that few people have the time and resources to keep abreast of all the options, or the expertise to choose between competing products. Independent financial advice can help you plan thoughtfully for the future.