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Independent Financial Services

Our in-house financial services department will provide you truly independent advice.  You do not have to be an accounting or taxation client to benefit from our services, which include the following:-

• Mortgages
• Protection
• Reviews
• Retirement Planning
• Savings and Investments
• Wills and Inheritance Tax Planning

Mortgages

We have access to a very wide range of lenders and whether you are moving home, wishing to raise capital on your existing home or buying to let, we can provide a competitive solution.  You may be paying too much to your current lender and we have been able to achieve considerable savings for our clients through the re-mortgage process.  We can also help you establish relationships with solicitors who will provide to you competitive quotations.  Click here for your mortgage/loan/stamp duty calculator.

Protection

Whether you need personal protection or family cover, we can help.  There’s more to protection than just life insurance. We can arrange critical illness cover, income replacement and a variety of other benefits.  Most people are under insured, but even if you have sufficient cover we can research the market to see whether you are paying too much for your insurance.  Significant savings can often be made quickly and easily.  We also provide specialist protection to our accountancy and taxation clients which will pay accountancy fees incurred in the event of an aspect or full enquiry from the Inland Revenue.  Click here for details of our HMRC enquiry cover.

We are now able to provide competitive rates on your home buildings and contents insurance as well as office cover, accident, sickness and unemployment protection and a wide range of commercial insurance.  Cover is arranged through an insurance broker, for whom we act as an introducer.  If you would like a quote then please contact us and we will arrange for the broker to get in touch.  You may be surprised by the savings you could make, just from one telephone call

Reviews

We strongly recommend regular financial reviews to ensure that your plans and objectives are on the correct path and reflect your changing circumstances.  Click here for your attitude to risk assessment.

Retirement Planning

Is your pension going to provide you with enough income in retirement?  Are you paying too much to your pension provider in the form of charges?  We can review your current arrangements and recommend options for you to consider.  Remember also that you don’t have to take your pension with your existing pension company.  You may get more each year by letting us research the market for you.

Savings and Investments

We can advise you of the most appropriate plans to reflect your objectives and your attitude to risk.  Whether you’re looking to invest for a particular event or not sure if your existing savings and investments are doing what you want them to, we can review your options with you and help you plan for the future.  Click here for some investment tips.

Wills and Inheritance Tax Planning

Many people don’t realise that those who die without making a Will have their Estate distributed in accordance with legislation and not their own personal wishes.  Additionally it may often be the case that Trustees/Guardians should be considered for children in the event of their parents’ death. With the increase in property values many estates could now be in charge to inheritance tax at 40%.  We can advise on a number of ways to plan for these circumstances.

Our Terms of Business include: -

• Our initial meeting is free of charge.
• We offer all clients the choice of a fee based service or one which provides a commission paid to us by the product providers, or a combination of both.  We will tell you the amount of commission we receive.  If you select the fee based option, we will notify you in writing and obtain your agreement before we carry out any chargeable work giving full details of the basis of our fees.

Click here to email John Etheridge, our Financial Services Adviser, for further information.

Click here for some investment tips.