Working People

It’s never too early to start planning for your retirement and putting money into your pension. We’ll help you understand the important questions, including:

• How much do I need to save now to retire comfortably?
• Will I be able to do everything I want in retirement?
• When can I afford to retire?
• Can I lower my pension charges to achieve a larger fund in retirement?

With access to the entire market, we can provide a pension plan which meets your individual needs.

Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

There’s a huge range of investment options available; deposit accounts, stocks and shares ISAs, unit trusts, OEICs, investment bonds, structured products and more. All clients want to know the best way to invest their money, however, the best approach is rarely simple, and has to be appropriate to the individual and their attitude to risk. We undertake diligent research and present our advice in a concise, understandable way. We focus on recommending products and investment portfolios that have the following features:

• Performance is consistent with risk levels
• Charges which reflect value for money
• Tax efficiency

Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

If you are moving home, considering buying your business premises or simply looking for the best re-mortgage deal, we can provide mortgages for the following property types:

• Residential
• Buy-to-Let
• Let-to-Buy
• Self-Build

We have access to the whole of the mortgage market. This means that we will find a competitive product for you which is the most appropriate for your needs. We do not advise on commercial mortgages or bridging loans, but have established links with commercial lenders who we can refer you to.

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

When it comes to planning for the unexpected, it’s essential that you consider protection. This will provide an income for you or your family should you die, become seriously ill or are unable to work. We offer independent advice on various insurance products including:

• Life assurance
• Accident, sickness and unemployment cover
• Income protection/permanent health insurance (PHI)
• Critical illness cover
• Serious illness cover
• Private medical/health insurance

We’ll ensure that your policies are appropriate to your needs and provide good value for money. We can often replace existing policies for ones with lower premiums.