Highly qualified and experienced financial advisors
Insurance is probably one of the most basic forms and well known of financial products around, yet in 2016 www.thisismoney.co.uk reported that 1 in 4 breadwinners in the UK did not have a life assurance policy in place. Underinsurance is a continuous thread in UK finances with the Association of British Insurers in 2018 saying that £266Bn worth of contents in UK homes is underinsured.
Insurance is a simple concept, an insurance company promises to pay the policyholder a set amount if a previously agreed event occurs, providing all contractual premiums have been paid. Insurance can cover life, ill health, property and businesses and much more.
Most financial plans start out by ensuring an individual protects what they already have, before going on to accumulate additional wealth.
Insurance does not always have to be costly or complicated, however certain aspects of an individuals’ circumstances can mean that Trusts or specialist cover is required, and this is where financial advice is important.
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Pension planning comes in two stages, accumulation (where you build up benefits in a pension) and, decumulation where you draw benefits from the pension monies you have accumulated.
Mortgages have become more varied and complex over recent years; Fixed, Variable, Discounted, Capped, LIBOR rates – almost as though the industry is trying to make it sound difficult.
Each investment structure has different tax implications, so it is important to choose the right one or combination of structures based on your own needs, tax position and objectives.