Individual clients need impartial, timely and reliable advice on a wide range of financial services including life assurance, pensions, investments and mortgages. A thorough knowledge of a client’s tax position allows us to give really informed advice.
Mortgages and Finance
We can advise clients on the alternative forms and sources of mortgages and loans available, as well as assist in raising loans. In addition, we can recommend to clients how much they prudently ought to borrow and on what basis they should arrange their loans.
The main use of life cover is to protect families against the consequences of the death of a breadwinner. A wide variety of plans are offered by the major life offices for this and other purposes, including protection against loss of income because of disability. We can help clients define their needs for cover.
Life assurance can also form an essential part of a client’s tax and financial strategy, as well as having a role to play in partnership and shareholding arrangements. We are happy to advise in the light of clients’ circumstances.
For many clients pensions have become more than simply a means of providing for a retirement income. They are now an important element in tax planning. It is essential, therefore, that any pension scheme is carefully integrated into the overall financial strategy.
We can advise clients on the advisability and advantages for them of personal pension schemes, SIPPs, ‘A’ Day considerations etc. In addition, we can offer advice on alternative methods of providing extra benefits under company pension schemes.