Description
It is part of the
Lifeline
local initiative to Promote the Benefits of Independent Professional Financial Advice to Individuals, Families and Business.
If you wish to start a new pension, life assurance or investment plan,
we will analyse and scan the whole market to find the very best available from 120 different companies, for your circumstances. (Tied agents can not do this).
Many people find their existing policies confusing or too expensive,
perhaps they were arranged by a ‘tied’ agent, such as a bank or
building society.
On your behalf we will see if cheaper alternatives are available, check whether your existing policies are appropriate and help you to understand them.
Are you unsure of what income pensions and investments are going to provide you with in retirement?
We will show you how much you will get whether you have a company
scheme or private plans, including your state benefit entitlement.
Do you want more growth or income from your investments?
What about Inheritance Tax?
If you want to know how much life assurance or an income protection
policy will cost go to the quote section.
If you need a pension advice, go to the pensions section.
And if you need a unit trust or ISA go to that section.
For protection policies, upon receipt of a completed quotation request,
I will send you a quotation. This quotation is based upon the
information you have provided within the enquiry form and is for
information only. It will show you what the monthly premium will be.
You will aso receive a Key Features Document which outlines the
features of the proposed policy. We offer no advice or recomendation as
to the products suitability given your circumstances. Please note
that all quotations are produced on the assumption that you will be the
policy owner and the life assured and that you require the cheapest
policy.
If you do not want advice on this basis, please contact us on 0800
413002 for advice. We may need to contact you to clarify information
provided.
For investments such as ISA we offer a discount initial charge
arrangement from ourselves in addition to the company discounts from
the companies listed.
If you wish to invest a substantial amount (over £20,000) we feel that
individual advice is essential and request that you either Email us or
phone us to arrange an appointment.
You will see throughout this WEB page option to receive advice. If you
wish to receive advice we must all abide by the rules of the Financial
Services Industry that protect both IFA’s and their clients. Before we
can give individual advice we must therefore;
Provide you with our 'Key Facts about our service'.
If you require advice we are required to conduct a full confidential
questionnaire about you and your personal circumstances, which will
take into account your aspirations for the future, protection needs,
attitude to risk and the amount you wish to set aside.
It is only when we are in a position to "know our client" that we are able to give advice.
If you require formal advice please contact us and we will explain to
you how our fees are likely to work out. We are also happy to work on a
commission basis if you wish. | 
