I didn't know you did that!

Life Insurance

The need for protection through life assurance
is always of paramount importance to those
who depend upon you to provide income
or pay the mortgage. How would you and/or
your family cope if your circumstances
changed?

Income Replacement Insurance and Critical Illness

You are much more likely to suffer a serious illness than die before you retire. For most people, their income is their most important asset, but how could you protect it if your circumstances changed.

Pensions

The State will provide! The majority of our clients will be in the NHS pension scheme which provides excellent benefits. But with maximum benefits set at around half an individual's NHS earnings, will it give you enough to live on? What if you are not in the NHS scheme?

An increasing number of people and families are faced with the possibility of working longer than they hoped, to be comfortable into retirement. With this in mind, can you afford not to find out whether you will be in such a position and, if so, what you might have to do to plan for it?

Company Pensions

Are you looking for advice on a company scheme you are currently in or perhaps another one you still have from past employment?

Savings

We all have things we want to save for. Emergency reserves for contingencies are important to plan for but which bank or building society rates are the most competitive and what about any income tax liabilities, and other considerations.

Investments

A significant part of our business advises clients on their investment holdings, whether for growth, income or combined objectives. Our investment analyst works only on our clients’ investment and pension portfolios and we review each one at least once a year.

Mortgages

Are you paying too much for your mortgage? Are you looking for a mortgage? There are many offers around today for home loans and remortgages. Why not take advantage of our service and perhaps save money. We can introduce you to leading lending sources. We use up-to-date technology to source the most suitable deal for you.

Lifetime Mortgages

Are you over 60 and would like to look into releasing the equity from your home? Releasing the equity from your home might just be the answer to raising the money you need without you needing to move. It is a big decision and there are many aspects to consider, such as any effect if may have on your tax status or your entitlement to some means tested benefits. Releasing equity also means your estate receiving less and, depending on how much you release, it could receive nothing from the sale of your home.

Surgery loans and locum insurance for GPs, dentists and vets

Details available on request.