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| PERSONAL ADVICE (Click on the links for further information) The Financial Services Authority do not regulate some forms of Mortgage and Inheritance Tax Planning |
| Life
Protection To provide protection for you and your family against early death |
| Retirement
Planning Advice on Company Pensions, Buying Additional Years Service, In-House Additional Voluntary Contributions (AVC), Free Standing Additional Voluntary Contributions (FSAVC), Personal Pensions and contracting out of S2P. We also provide specialist advice on how divorce can affect your pension entitlements. |
| On
Retirement Annuities and Open Market Options – what are they and which is the best deal for you |
| Income
Protection Individual cover for employed or self-employed, to provide income in the event of long-term sickness |
| Private
Medical Insurance We review the market and recommend the provider most suitable for your needs |
| Critical
Illness Protection To provide protection for you and your family should you suffer a serious illness. |
| Investments
and Savings ISAs, Unit Trusts, Investment Trusts, Bonds, Offshore Investments, Ethical Investments and Portfolio Analysis Services. We carry out an in-depth appraisal of your needs and advise which is the best for you |
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Mortgages Your
home may be repossessed if you do not keep up repayments on your mortgage |
| Inheritance
Tax Planning Full review of your current estate and advice provided on trusts, investments and life assurance and how they can be used to reduce your potential inheritance tax liability |
| Divorce We offer advice on how divorce can affect your finances and will provide you with practical guidance and solutions with regards to existing and future financial planing needs. |
| Total
Financial Review We look at your existing investments, pension and protection arrangements and provide a report on any recommendations which we consider would be in your best interests. |
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