We are able to utilise our experience and expertise to assist you in finding the best solutions for financial matters. Here are some examples of why people have come back to us:

1. Sorting out retirement options. From age 55 it is possible to take your retirement benefits. There are quite a few options and we can help you to understand them and assist you in obtaining the solution that best suits your circumstances.
2. Dealing with mortgage/remortgage challenges. Experience and expertise and access to all of the market, enables us to seek out the best available deals. Your mortgage is likely to be your biggest monthly bill, so ensure you are paying the lowest rate possible.
3. ‘Insuring’ all is well. Protection in the form of life assurance, critical illness cover and income replacement is available to ensure you are covered in case of the unexpected. Research has shown that 6 out of 10 families in the UK have no life assurance arrangements. Insurance does not have to be expensive. As independent financial advisers, we can find the cheapest solutions for you.
4. Raising funds or reducing outgoings. There are quite a variety of ways to raise funds or reduce outgoings and we can look at all the options with you.
5. Equity Release Plans. Homeowners with small or no mortgages will have options to access funds via Equity Release Plans. Whether you use them or not, it is good to know what can be done.
6. A variety of other reasons including savings and investment and simply better understanding financial options.

Just give us a ring with whatever you would like to discuss on 01342 313302.

To help those 6 out of 10 families in the UK, who do not have life assurance arrangements, we are making January a special offer month. Anyone taking out life assurance in January will receive a £25 Marks and Spencer voucher and a refund of their first premium. If you already have life assurance, it is still worth making an enquiry, as life assurance has become cheaper over the years.

It is now possible to take out life assurance if you are between age 50 and 80 without any medical underwriting requirements. The acceptance is guaranteed without a medical and up to £40,000 of life cover is available. Premiums are affordable, starting at £10.00 per month. Give us a ring for further details and a quote.

Did you know that you can go back up to 2 years before a person died and make amendments to their will? You can use what is called a Deed of Variation. As long as all the beneficiaries agree to the proposed changes, the will can be altered either to save on tax or just to make the result fairer to all beneficiaries. A solicitor is the best person to consult for further information on this. An important footnote is that a will has to exist before you can change it! If someone dies without having made a will, the estate is divided automatically amongst his or her family according to proportions laid out in law, and, if no family, it can even end up going to the State! The simple message here is "Make A Will"!

If you are over 55 and wish to take your pension benefits, you should consider the various choices and what the risks are. Annuity rates are continuing to fall as people live longer and there are also items of legislation which are affecting annuity rates such as the EU Gender Directive which requires annuity provides to offer the same rates to men and women, even though women statistically live longer than men. Some pension options include ongoing investment risks while others face risk of inflation. We would be happy to assist you to understand more about these various options so you can make an educated decision. Do remember that past performance is no guarantee of future performance and the value of your investments can go down as well as up.

In dealing with the Stock Markets, it is worth paying attention to three recommended principles of long term investing: faith in the future, patience and discipline. These help you to ignore short-term market problems and bad news and focus on a basic long-term plan for investing your money.