Our Services
Financial Advisor Warrington – Our Services
The world of finance can often be complex and confusing but Jane can help you with a range of issues including;
Pension & Retirement Planning
Whether you already have a pension/pensions in place or you are in the process of starting your ‘retirement planning’, we can help
Funding your Retirement
Planning for your retirement is a ‘pivotal’ moment in most peoples lives and funding it in the most appropriate and manageable way is probably one of the most important decisions you can make. Retirement planning means careful planning over the long-term and if possible, should begin
at your earliest opportunity. We can help provide for your retirement by discussing the most relevant options available to you.
You already have a Pension in place – Workplace or Personal?
To ascertain whether your pension/pensions remain appropriate to your needs, an ‘Annual Pension Review’ is always recommended. If you have a number of different pension pots due to changes in your employ, a consolidation of these pensions into one scheme may also be an option.
Pensions Freedom Legislation – taking your pension benefits
The Pensions Freedom Legislation allows you to explore the numerous flexible options available to you upon retirement, for example, accessing your 25% tax free entitlement. Please contact us for more information and guidance by analysing your existing pension provision.
We offer an initial consultation to determine whether or not you would benefit from professional advice – this is a complimentary service and there is no obligation on either side to proceed further. If you do decide to appoint us as your Financial Advisers, any advice related fees will be discussed and clarified before any work is commenced.
A pension is a long-term investment. The value of pensions can fall as well as rise in value. You may get back less than you invested.
Wills
Is it important to make a Will
Are you aware, that if someone dies without making a Will, they are said to have died ‘intestate’ – this means that the law sets out who should deal with the deceased’s affairs and who should inherit their estate (property, personal belongings and money). This can make the whole process both time consuming and stressful and is not always beneficial to your family or for your intended beneficiaries.
A Will can have a number of benefits, some of which are:
- Mitigating Inheritance Tax
- The use of Trusts for tax efficiency
- Distributing your assets to those intended to benefit from your estate
- Appointing Guardians for your children (if aged under 18 years)
Mortgages
We offer advice in all areas of the mortgage market including:
- First time Buyers
- Remortgages
- Holiday Lets
- ‘Quirky’ Property purchases
- Commercial and Semi Commercial Mortgages
- Shared Equity Properties
- Equity Release Mortgages
- Retirement Interest Only Mtgs (RIO’s)
- Refurbishment Buy to Let Mortgages
Investments & Savings
Whatever your investment needs, long-term or short-term, exploring the options available to you is important. We aim to provide an appropriate solution for you based on your needs and attitude to risk.
Our purpose is to ensure that you reach your goals in the most tax efficient manner by utilising your personal tax allowances, such as your ISA allowance. The value of your investments may fall as well as rise and you may get back less than you originally invested. Tax treatment varies according to individual circumstances and is subject to change.
Protection
Why the need for Protection?
Whatever your plans for the future, it is just as important to put in place protection to safeguard you and your family and where appropriate, your business. Whether you need to protect your Mortgage, Income, Family, Health, Business or your Property, we will be able to find a suitable solution for you and your needs.
We offer:
- Life Cover
- Critical Illness Cover
- Income Protection
- Family Benefit Cover
- Buildings and Contents Cover
- Mortgage Cover
Get In Touch Today!
Please feel free to contact me if you wish to have a discussion with regard to any financial matters…