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PENSIONS

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FINANCIAL ADVICE THAT’S AS UNIQUE AS YOU ARE

Maintaining your standard of living in retirement is a concern for many people. The Government’s message that individuals need to be taking more responsibility for their financial wellbeing must be taken on board with the State no longer providing an adequate retirement pension, the rapid decline in final salary pension schemes and increased longevity.

Your situation is complex
Many people’s pension situation is complex, with a number of different pension schemes being accumulated over their working life. As part of our financial planning process, will take time to unravel the detail and consider whether you have adequately provided for your retirement.

You need sound retirement planning advice
You can do much to ensure that sufficient critical capital is built up. This may include the best use of your annual ISA allowance or setting up a stakeholder pension. For larger sums, a Self Invested Personal Pension (SIPP) might be appropriate. We can give you useful SIPP advice, ensuring that any SIPP investments you might make are consistent with your retirement financial planning goals.

You need tax efficient solutions
We will always consider the tax implications of our advice. However, any decisions should be made in the context of your overall financial plan, rather than to achieve a short term tax benefit.

You need a financial planner that understands the latest legislation
The latest pension legislation was Pension Freedom (April 2015). We offer quality retirement planning and are able to offer you the most suitable in retirement planning advice.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.
Tax treatment varies according to individual circumstances and is subject to change.
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OUR INVESTMENT SERVICES

Discretionary Service

Taking the work out of managing your investments

Advisory Service

The final investment decisions remain with you
Discretionary Service

This service may be particularly suited to people who want to be kept up-to-date with their finances, but either do not have the knowledge or expertise to manage their own portfolio – perhaps because they lead busy day-to-day lives or because they are enjoying retirement and wish to travel.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.

Advisory Service

The advisory service is designed for people with all levels of experience who want to take an active interest and be in control of the construction and ongoing maintenance of their portfolio, but wish to take advice on the strategy employed and the assets to be held.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.

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WE’RE WITH YOU EVERY STEP OF THE WAY

With over 20 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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20 +

YEARS OF FINANCIAL EXPERTISE

We love our job and hope that shows through when there is nothing about the industry that our team do not know.
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100 +

Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.
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FIRST TIME?

First time buyer mortgages

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MORTGAGES

Looking for a mortgage deal?

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PROTECTION

How to protect your mortgage

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REMORTGAGE

Get great remortgage deals

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READY TO DISCUSS YOUR OPTIONS?

With hundreds of mortgage products available, you can be sure that our experienced team will find a great deal for you.
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SEE HOW WE’RE BEING RECOMMENDED

We’re proud to have been recommended by our local customers of St Neots

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