Personal Advice
(Click on the links for further information)
The Financial Services Authority does not regulate some forms of Mortgage andInheritance 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

Mortgages
Whether you are either buying your first home, moving house, re-mortgaging for home improvements or for capital raising purposes it is important that the mortgage, which you choose, is the best for your personal circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage
Broker Fee between £250 and £500
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.