Financial product expertise

Whilst we are not driven by the sale of financial products they do form a crucial part of almost all financial strategies. It is essential that the adviser you appoint has the necessary knowledge and experience not only to recommend the most suitable new policies and plans to you but also to impartially review your existing arrangements. Only an IFA can do this and only a fee based IFA with the right beliefs and ethics will not be motivated to suggest changes with the aim of a product sale. Though by no means exhaustive, the following is a list of products in respect of which we have expertise and, where possible, negotiate the best terms on behalf of our clients:

Pensions

  • Annuities (all types)
  • SIPPs
  • SSASs
  • Personal Pensions
  • Executive Pensions
  • Income drawdown (Capped & Flexi-Access Drawdown)
  • Unsecured Pension Fund Lump Sum (UPFLS)
  • Pension transfers

Investments & Savings

  • Wraps and investment platforms
  • ISAs
  • Unit Trusts, OEICs, ICVCs and Investment Trusts
  • Investment Bonds
  • Offshore Bonds
  • VCTs
  • EIS
  • ETFs
  • National Savings
  • Cash deposits and cash alternatives
  • Structured Products
  • Maximum Investment Plans

Trusts

  • Discretionary Trusts
  • Bare Trusts
  • Discounted Gift Trusts
  • Loan Trusts
  • Pilot Trusts
  • Wealth Preservation Trusts

Insurance and Assurance

  • Life Insurance
  • Critical Illness Insurance
  • Income Protection Insurance (PHI)
  • Term Insurance
  • Whole of Life Insurance
  • Long Term Care Insurance
  • Private Medical Insurance
  • Key Man Insurance
  • Shareholder & Partnership Protection
  • Loan and Mortgage Protection