Pension death benefits
With the introduction of pension freedoms in 2015, we now have a range of options when deciding how to fund our retirement. But few of us stop to consider what might happen on our death: retirement itself seems far enough away! Under the previous regulations, only one...
The cost of a burglary
Figures have revealed that burglary costs the average homeowner over £2,800 in stolen valuables and almost £600 to pay for damage caused by the break-in. There were 713,000 domestic burglaries in 2015, and while you may see many of these reported in local newspapers...
Achieving your financial goals
We lead complex lives in an increasingly complex world. As your financial adviser we can help you better understand your financial challenges, goals and needs, and help you find appropriate ways to meet them. Even a seemingly straightforward financial goal can involve...
At retirement: the runners and riders
With the much-lauded pension freedoms, we now have a range of options when deciding how to fund our retirement. Whilst many newspaper headlines warned that new retirees would blow their entire pensions savings on Lamborghinis, it appears that most have taken a more...
Protection through the years
When it comes to protection insurance, we hold two firm beliefs: 1. it should form the foundation of your financial plan. 2. cover should be reviewed regularly to make sure it continues to meet your needs. The latter is particularly important when you are at a...
The value of mortgage advice
With so many mortgage lenders offering their products on the high street and online, it can be tempting to cut out the middleman and ‘go direct’. But when you’re making such a huge financial commitment, the guidance you can get from a qualified mortgage adviser can be...
A real-life case study
Mr & Mrs Jones were married and lived together, with a residential mortgage. Mr Jones had two children from a previous marriage (he was widowed) and the property was solely in his name. A cruel blow Mr Jones was killed in an accident. He had no life cover – he...
