 Capital InvestmentsLife AssuranceCritical Illness InsuranceIncome InsuranceMortgagesPension PlanningRetirement OptionsLong Term CareHome Income plansEquity Release schemesRegular Savings
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Capital Investments
The main issues are for how long do you wish to invest; do you require capital growth, income, or a mixture of capital growth and income; what is your attitude towards investment risk; and what is your tax rate. Our recommendations will take all these into account.
Life Assurance
We meet very few individuals who are adequately covered. Generally speaking, life assurance premium rates have been falling over recent years and we may be able to find you replacement cover at lower cost, or improve the level of cover you have without increasing costs.
Critical Illness Insurance
Typically we recommend this type of insurance to cover debts such as a mortgage. A Critical Illness policy pays out on diagnosis of any one of the insured hazards, such as cancer, stroke, heart attack, or permanent total disability and is often described as life assurance where you don't have to die to receive payment!
The FSA do not regulate all forms of Critical Illness Cover.
Income Insurance
This is probably the most under-bought product in the insurance world! Only a very small proportion of the population has adequate Income Insurance: most people would suffer a dramatic loss of income if they were ill or disabled and unable to work for any length of time. An Income Insurance policy can insure that you have an adequate income even if you suffer long-term illness or disability.
The FSA do not regulate all forms of Income Insurance.
Mortgages
We arrange mortgages for house purchase, remortgages, and Buy-to-Let mortgages for people wishing to purchase an investment property. We can advise on fixed-rate schemes, discount mortgages, flexible mortgages and cash-back mortgages. Our normal practice is to search the entire marketplace for the best deals, and we only charge fees if we are successful and you proceed with the mortgage.
To read our MORTGAGE FACTSHEET, which explains the different types of mortgage products available, together with information about methods of repayment, vital information that all borrowers should know, and information on Mortgage Payment Protection insurance click on this link: click here
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT MAINTAIN PAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED ON IT.
Pension Planning
Whether you are a director of your own business, a self-employed person, or an employee, you will probably find that you do not have adequate pension arrangements. We can analyse your current pension plans and advise you how much pension you can expect to receive when you retire, then we can suggest how to improve this.
Retirement Options
If you are about to retire consult us. There is a very wide range of options available for most people at retirement, and we can show you how to maximise your pension by moving your pension fund to the most competitive annuity product provider. Alternatively, a pension fund withdrawal scheme may be more appropriate for you.
Long Term Care
We have helped some clients to plan ahead so that if they ever need to go into Long-Term Care in later life, the funds will be there to ensure they have a comfortable existence. We also have a number of solutions for those about to go into Long-Term Care.
The FSA do not regulate all forms of Long Term Care. Home Income plans and Equity Release schemes
For anyone over age 65 or thereabouts, it is possible to use your home to provide a source of income to supplement your pension. It is also possible to release capital from your home. We can advise on both types of scheme, and which is the most competitive.
The FSA do not regulate all forms of Home Income / Equity Release plan.
Regular Savings
There are a number of tax-effective regular-savings schemes available now, including regular savings into an ISA and Friendly Society savings plans. The latter are particularly useful for grandparents wishing to contribute to a regular savings scheme for a grandchild.
