AREAS COVERED

1) FAMILY PROTECTION
Life Cover - Critical Illness Protection - Income Protection - Mortgage Protection -  Mortgage Payment Protection Insurance.
Everybodies situation changes, when did you last review is your family still covered adequately or are you simply paying to much as is often the case?
How long would your income continue if were unable to work?

2) INVESTMENTS
Is your existing nest egg working hard enough?
Have you utilised your allowances?  Crucial if you want to avoid unnecessary tax and maximise returns.

3) REGULAR SAVINGS
A little and often will in the long run be prudent  and significant.
Have you invested the governments gift of £250 for children (available to children born after 0 1/09/2002)?
Everybody needs an emergency fund how big is yours?

4) RETIREMENT PLANNING
Have you any pension funds that are losing you  money because they have just been left in a poorly performing fund?  The difference between a good and a poor fund is literally £1000’s. Do you understand the recent changes?  For instance, the over 50’s can access their tax free lump sum without drawing a pension.

5) MORTGAGE ADVICE
Residential Mortgages including - Remortgages - First time buyers Buy to Let - Equity release.
If you want to reduce your outgoings 9 times out of 10 often a review of current arrangements can either save you money on a monthly basis, or with a little thought pay your mortgage off early and save literally £1000’s

6) INHERITANCE TAX PLANNING
Is often called a volontary tax will it effect you!

7) PRIVATE MEDICAL INSURANCE
This is becoming more and more important to lots of people so why pay more than you need to.