Personal protection
Together we will identify your needs in this area and advise you of the best type of protection product to meet them. Being independent allows us to look at all the products on the market and recommend the most suitable one for you. Although competitive premiums are of course important we also take into consideration the claims history of the provider, their financial strength and the service they offer.

Pensions
Personal/Stakeholder and Group pensions. The purpose of these products are to build up as large a fund as possible so that when you retire you can use it to buy a regular income. We take into account past investment performance as well as their management charges before looking into the flexibility of their contracts.

Savings and Investment Planning/Wealth Preservation
Many people have money on deposit without realising that there are other forms of investment, which can produce better returns over the longer term. These returns will vary between different forms of investment and the client's individual risk rating. We can advise on the most suitable forms of investment not only to preserve your wealth but also to produce income in the future

Taxation Planning
A great deal of people are currently paying more tax than they need to and therefore we are able to advise clients as to where savings can be made. We offer a full consultation into your personal circumstance and where appropriate will recommend a firm of accountants to deal with any specialist tax advice that may be required.

Investment Analysis
We have a number of investment tools, which enable us to analysis and break down an investment strategy that is personalised to your individual requirements.

Mortgages
We tailor our mortgage service to suit your overall needs. Our mortgage clients can range from very experienced homeowners who simply need us to source their next mortgage to first time buyers who appreciate us assisting them through each stage of the buying process. We source our mortgages from the whole market and are motivated to find the best suitable mortgage for our clients.

Your home may be repossessed if you do not keep up the repayments on your mortgage.

Personal Retirement Planning
We are able to advise not only on suitable pension plans for your future retirement but also offer advice on various options open to clients who have are approaching retirement age. There are so many options now available at retirement that it is therefore important that clients seek advice from us before making any decision of taking benefits from your pension fund.

Wills
We cannot stress how important making a Will is, as without one all decisions relating to your affairs will be made by the State. This includes who looks after your children. If you were to die without having made a will, even though you were married with children, the surviving spouse will not automatically inherit the estate - but only a part of it. Furthermore, common law partners get nothing (without taking court action).

There are so many other factors to be considered even if you have a will in place. Is it up to date? Has it been invalidated by marriage? If you have children have you appointed guardians? If the executors are a bank or solicitor they take part of the estate, is this what you really want?

Although we do not write Wills, we can recommend specialist firms who do nothing else but write Wills.

The Financial Services does not regulate Will Writing or Taxation Planning