Investment BondsInvestment Bonds are life insurance policies in which you can invest a lump sum, which goes into a variety of funds
InvestmentsAll the help you need to build a balanced investment portfolio of shares, bonds or funds
ISAsA savings account where you don't pay tax on the interest. Now called a NISA: limit £15,000 a year
OEICs and Unit TrustsOpen ended investment companies and collective investment under a trust deed
Multi-Manager and Fund of FundsMulti-manager investment is an investment product that consists of multiple specialized funds
Portfolio PlanningAn investment strategy applied to a personal or corporate portfolio
SavingsLooking at all savings accounts including cash ISAs and fixed rate bond accounts to get the best rates
School FeesOur advisers can help you look at different ways of saving for school fees
Structured ProductsStructured deposits offer you the potential to earn higher returns than you would with a regular savings account
Long Term Care adviceOur advisers will help you look at ways to finance the high cost of long-term care
Retirement Investment adviceSetting a clear retirement income goal and managing your money once you've stopped working
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
AnnuitiesAn annuity is a financial product that allows you to convert your pension savings into a regular income
DrawdownA drawdown pension allows you to take income from your pension pot while the pot remains invested
Group PensionsA Group Personal Pension (GPP) scheme is a collection of personal pension plans provided by you for your employees
Personal PensionsPersonal pensions give you an element of control over your future income so you don't have to rely on the State pension alone.
Pre-retirement planningSooner or later, you will retire. Decisions you make today are the ones that will dictate the standard of living you will enjoy tomorrow
Post-retirement planningOur advisers specialise in later life advice, let us help you get the most from your savings and investments
SSASSmall Self-Administered Scheme (SSAS) is a type of pension scheme that is set up by an employer
SIPPSA SIPP is a DIY pension. With a SIPP you can invest almost anywhere you like and choose your own investments.
Stakeholder PensionsYou pay money to a pension provider (eg an insurance company, bank or building society) who invests it (eg in shares).
Executive Pension PlanningExecutive Pension Plan for directors and senior executives, let our advisers give advice on these complex pension plans
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Critical IllnesA lump sum cash payment is payable if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Income protectionIncome protection pays out if you're unable to work due to accident or sickness
Life AssuranceLife Assurance is a mixture of investment and insurance
Whole of LifeWhole of life insurance is a policy that guarantees to pay out whenever you die.
Mortgage ProtectionMortgage protection can help you protect your monthly mortgage repayment if you're unable to work
Private Medical InsurancePMI covers the costs of private medical treatment for curable short term medical conditions
Business ProtectionGives your business financial help if the employees covered are affected by death, terminal or critical illness, or permanent disability
Inheritance Tax PlanningInheritance tax of 40 per cent is paid on the value of an estate above the threshold of £325,000. Estate worth less than that are not taxed.
Capital Gains TaxCapital Gains Tax is a tax on the profit when you sell or give away something (an 'asset') that has increased in value.
Tax Efficient InvestmentsIt can benefit you to consider options for tax efficient investments
Tax Efficient SavingsNISAs are tax'efficient savings and investment accounts. You can use them to save cash or invest in stocks and shares
Tax AdviceOur advisers are experienced in advising clients on tax planning and helping them save tax
The Financial Conduct Authority does not regulate on Estate Planning
Tax treatment varies according to individual circumstances and is subject to change.
Buy-To-Let MortgagesHelping you purchase a property specifically to let out, that is to rent it out
RemortgagesGiving you expert advice on products for remorgaging your property
Commercial MortgagesA Commercial Mortgage could give you the freedom you need to buy a new building or release equity from your existing one
First Time Buyer MortgagesHelping you with advice on deals and schemes that are available for first time buyers
Residential MortgagesMortgage advice on a second or subsequent home
Secured LoansSecured loans are secured against the value of your property and are sometimes called second mortgages *where advice is required in this area a referral will be made.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate on some Buy to Let mortgages.
Release Equity in your homeIf you want to unlock some of the cash tied up in your home equity release might be the answer
Home Reversion PlansYou surrender a percentage of your property in exchange for a sum based on its current value