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Financial Advisors > Financial Advisers In > Financial Advisers By City > Financial Advisers In Carlisle > Lock Fuller

Lock Fuller

Lock Fuller
Address: 7 Brunswick St
Carlisle
Cumbria
Postcode: CA1 1PB
Telephone: 01228 818671
Website: http://www.lockfuller.com/
Financial Advisors By Type: Pensions Advice, Mortgage Advice, Life Insurance Advice, Investment Planning, Health Insurance Advice, General Financial Planning
Financial Advisors By Area: Cumbria Financial Advisers
Financial Advisors By City: Financial Advisers In Carlisle
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Description
Lock Fuller provide a friendly, accessible financial advisory service in Carlisle to new and existing clients. The Directors, Colin Lock, David Bartholomew and Alistair Richards between them contribute more than 60 years practical experience as independent financial advisers. In addition, Steve Coyles is an adviser with us, who also has connections with a number of prominent local businesses. So if you need advice on your Company Pension or employee benefits give Steve a call. We aim to recommend the best way of achieving your objectives and identifying the right product at the right price, whilst helping you to make your money work as hard as possible. We are happy to welcome clients to our office here in Carlisle. However, if this is not convenient we would be more than happy to arrange an appointment in your home.

There are many ways to invest money and everyone has different reasons for saving money. If you are looking for the most tax efficient way to invest, or have a target in mind such as funding your children's future education then we can help. We use a range of investment planning tools to research the market and provide you with a personalised report that will inform you of the type of product, the range of funds you should invest in, which product provider is most suitable and ensure it matches your own investment attitude. Furthermore, we offer regular reviews where you can meet with your adviser, discuss how your investment is performing and make sure any changes needed are acted upon promptly.

Lock Fuller provides mortgage advice across the whole market place, giving you access to thousands of deals including many exclusive products that are not available on the high street. We can advise you on your first purchase, if you are moving house or just need to shop around for a new deal if your current deal is coming to an end. We also assists clients who are looking to get into the Rental market, with Buy to Let schemes. Finally we offer guidance in the Equity Release Market, so for clients who perhaps have no mortgage but are looking to release some capital to cover planned expenditure or may need to supplement your income we can guide you on the best options for your particular situation. Your home may be repossessed if you do not keep up repayments on your mortgage. We can be paid by commission or a fee. The precise amount will depend on your circumstances but will be typically around £500. The Financial Services Authority does not regulate some forms of Mortgage.

Some people find life insurance a rather morbid subject, and prefer to think of death as something that happens to other people. We prefer to think that the best way to think about life insurance is an arrangement to protect the people you love in the event that anything should happen to you. This doesn't just have to be in the event of death either. You can protect yourself in case of Critical Illness, or loss of income due to an accident, illness or redundancy. Life cover can also be used as a very effective way of planning for Inheritance Tax, and with the growth in house values in recent years more and more people are needing to take action. If you would like to find out what types of policy would be best for your needs, or indeed obtain a quotation to see how much cover and the costs for you, click on the link below to find out more.

If you are looking to start a pension we can guide you on how much you will have to invest, to ensure you achieve the level of income you need when you retire. We also offer a pension transfer advice, so if you have one or more pensions frozen from previous jobs you have held, we can analyse them and see if better options exist. Finally, if you are planning to take your pension benefits, we can discuss the various options available and guide you on which route is the most appropriate for your situation.

Many people are concerned about leaving a large Tax bill for their family after their day, or worse hate the thought of having saved hard all their lives, only for the Tax Man to be a beneficiary from their Estate. We have a great deal of experience and expertise in guiding our clients on the ways available to reduce the tax bill, and in many cases avoiding it completely. We use a range of life assurance, investments, mortgages and trusts to mitigate your Tax Liability to the minimum possible.

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