Many people need to have some form of protection cover in place to cover various events. There may be the need to protect one’s family, to cover the onset of illness, or a sudden reduction in income, or to put protection in place to cover premature death. Not everyone needs protection cover, and we can advise you which products would fit your own needs and circumstances.

Protection cover is vital to ensure that if the need arises, funds can be made available so that your family or dependents do not have to suffer any financial distress.

Apart from death, financial hardship can be triggered by the cessation of earnings, whether this arises through unemployment, or disability caused by illness or injury.
Unfortunately, it is uncertain who will experience any of these events or when they may occur. Therefore it makes sense to take advice to review your protection needs. We are experienced in providing recommendations for all our clients’ protection needs – why not give us a call?

Inheritance Tax is the tax that is paid on your 'estate'. Broadly speaking this is everything you own at the time of your death, less what you owe. It's also sometimes payable on assets you may have given away during your lifetime. Assets include things like property, possessions, money and investments.

Not everyone pays Inheritance Tax on death. It only applies if the taxable value of your estate (including your share of any jointly owned assets and assets held in some types of trusts) when you die is above £312,000 (2008-2009 tax year). It is only payable on the excess above this nil rate band at 40%. What do you think?

You will benefit from the knowledge and experience of our team of specialists in Inheritance Tax Planning. Call us now.

The range of Savings and Investment products is wide and varied. It is possible to access funds which invest in numerous sectors across the world, all of them carrying different levels of risk and reward – so it is vital to get advice to ensure that they fit in with your financial objectives and goals.

We have able to offer the best advice to ensure that the products recommended suit your risk profile and help you to achieve your objectives.

We will provide an efficient and flexible way of accessing the hundreds of investment funds which are available, diversifying across a range of investment sectors with the aim of achieving good performance even when the markets are volatile.

We are able to offer mortgage advice to recommend the most suitable products for your needs and circumstances. We will guide you through all possible options, to ensure that you have the right mortgage deal for you.

Our service covers researching the whole market, making sure you get the best advice, and ensuring your application progresses smoothly.

Please note your home may be repossessed if you do not keep up repayments on your mortgage.

For advising on mortgages you can choose how we are paid, pay a fee of typically or we can receive commission from the lender. Please contact us for further information.

We are also experts in arranging mortgages for expatriates and non-resident investors. We are just a phone call away from you.

Retirement Planning is a highly technical and complex financial objective. Research evidence has shown that many clients often neglect this aspect until it is too late. Many clients are engrossed with short-term objectives thereby leaving their future to chance.

We have a broad and in-depth knowledge of various types of products adequate and suitable for different our clients different needs and requirements.

Note that the cost saving effected by not paying a year’s pension contribution may be relatively small; its cost in terms of pension provision is huge.

We have access to products designed to satisfy your long-term financial planning and pension needs in a tax-efficient and convenient manner.

The main essence of pension provision is the avoidance of poverty in old age. You cannot afford to leave your future to chance.