How we can & can’t help you
We are an advisory business. For an explanation of what it means to receive Independent Financial Advice (which we do offer), versus Execution Only and Insistent Client services (neither of which we offer), please see the “Is our service right for you?” document at the foot of this page.
The list below best summarises how we can help you:
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Mortgages: residential only for home movers, first time buyers and remortgages, impaired credit, second charge loans and Retirement Interest Only (RIO) mortgages. Our minimum loan size is £150,000. Clients can assess their own mortgage affordability, via this link to the L&G Mortgage Club Smart Ignite Plug-In –
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Personal Protection: Life Assurance, Mortgage Protection, Income Protection, Critical illness cover.
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Business Protection: Key Person Cover, Director / Partnership Share Protection, Relevant Life Plans.
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Retirement Planning on all types of Defined Contribution (DC) pensions, including Personal Pensions, SIPPs (Self-Invested Personal Pensions),
Flexi-Access Drawdown Pensions (FAD), Workplace / Auto-Enrolment Pensions, Pension Annuities, Investment Linked Pension Annuities.
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Investment Planning: on all types of open-ended Collective Investments, such as Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs, Unit Trusts, OEICs (Open Ended Investment Companies), Onshore Investment Bonds, Offshore Investment Bonds, Purchased Life Annuities.
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Ethical, Socially Responsible and ESG (Environmental & Social Governance) screened investments.
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Islamic Compliant investments.
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Care Fees Planning.
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Inheritance Tax Planning.
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Trusts
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We can refer you to specialist Estate Planning Firms for advice on Wills and Lasting Powers of Attorney.
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We can refer you to specialist General Insurance Brokers / Providers for Private Medical Insurance, Redundancy Cover, Home, Motor and Public Liability Insurance.
Please see the relevant risk warnings at the footer of this and every page.
The list below best summarises the ways we can’t assist you:
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Direct equities (shares) – as we are not Stockbrokers
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Defined Benefit Pension Transfers #
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Consumer Buy to Let Mortgages or Business Buy to Let Mortgages #
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Equity Release #
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Exchange Traded Funds (ETFs), Exchange Traded Commodity / Currency), or Exchange Traded Notes (ETNs)
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Investment Trusts (due to potential illiquidity because they are closed-ended funds and because they are higher-risk due to gearing)
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Legal Advice including Wills and Powers of Attorney (we are not Solicitors)#
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Tax Advice per se – other than regarding the tax considerations relevant to financial products we advise on (we are not Accountants or Tax Specialists)
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General Insurance including Redundancy Cover, Home Insurance, Motor Insurance and Public Liability Insurance (we are not General Insurance Brokers) #
# We are able to refer you to other firms who specialise in the areas of DB Pension Transfers, Buy to Let Mortgages, Equity Release, Wills and Powers of Attorney, General Insurances including Redundancy Cover, Home Insurance, Motor Insurance and Public Liability Insurance.