FINANCIAL REVIEW

Why do you need a financial review?
To control your finances, you need to understand all of your current financial arrangements and to regularly review your savings, life assurance and pension plans to ensure that they are still sufficient for your present circumstances. You may have bought life assurance policies a number of years ago and forgotten the reason why you needed them or what they actually provide.

It is possible that you have changed jobs and have a number of different pension arrangements where you are unsure of the pension which you can expect at retirement. You could be a member of an occupational pensions scheme and not fully understand the benefits it provides.

Now could be the time when you have decided to start your savings.

You need reassurance that your present savings, life assurance and pension arrangements are still providing adequate cover for your current lifestyle.

Changing Circumstances
These can be:

	Your first house
	A new job
	Starting, or a new addition to your family
	Divorce
	Retirement
	A New Year"s resolution to understand and control your finance
	Redundancy

	A regular review of your current arrangements
	A report on your present circumstances with recommendations on investments, pensions or life assurance according to your needs
	We are independent, therefore can provide impartial advice on all of your financial arrangements
	We offer a fee or commission based service, depending on your preferred option