01675 467 196

Services

Sound financial planning starts with understanding you.

“It’s might surprise you to know that most first meetings take place in a relaxed setting and is about us getting to know you, your dreams, your goals and your aspirations.”

What do you need help with?

Pensions

Whether you’re approaching retirement and want to understand your options or you’re just starting to think about setting up a pension we’re here to help and advise you.

It’s never too early to start the conversation but it can sometimes be left too late!

We advise on all the various options both in planning for retirement and also at retirement. The range of options can be confusing at first which is why we approach everything in a plain talking way.

Areas we advise on include: Setting up new pensions / Existing pensions / Pension transfers / Early access to tax free cash / Pensions for property such as SIPP and SSAS.

IMPORTANT : Transferring out of an occupational pension scheme is unlikely to be suitable for most people.

Would you like to learn more about you can do now to secure the retirement you deserve?



 

We take your privacy seriously and will only use the information you provide here to communicate with you about the services we provide. We will not pass your details to third parties and you may opt out of further communications at any time.


Investments

Investing shouldn’t be the preserve of the ridiculously wealthy.

The reasons people choose to invest are as varied as people’s passions for hobbies and past times. We help and advise clients invest for many reasons including providing for school or university fees or simply to better the close to zero returns being offered by the Banks and Building Societies.

Areas we advise on include: Collective Investements such as Unit Trusts and OEICS / VCTs / EISs / SEISs along with advice on the best use of the the available allowances and tax wrappers.

IMPORTANT : The value of investments can fall as well as rise. You might get back less than you invested.You should only consider these products if you are willing to take some risk with your capital. We will consider whether such products are suitable for you before recommending an investment.

Would you like to learn more about investing and how you can make your money work harder?



 

We take your privacy seriously and will only use the information you provide here to communicate with you about the services we provide. We will not pass your details to third parties and you may opt out of further communications at any time.


Protection

It’s rarely people’s first thought when planning for the future but as a nation we are desprately under insured when it comes to protecting ourslelves, our families and our businesses from the effects of illness and death.

Often the death of the main bread winner, business partner or loved one is often more serious than not having put enough aside through savings and investments.

Areas we advise on include: Life Insurance / Critical Illness Insurance / Income Protection / Accident Sickness Unemployment (ASU) / Shareholder Protection / Private Medical Insurance

Would you like to learn how you can protect your family or business from the effects of illness or death?



 

We take your privacy seriously and will only use the information you provide here to communicate with you about the services we provide. We will not pass your details to third parties and you may opt out of further communications at any time.


Mortgages

Whether it’s to do with your own home or maybe a buy to let, we’re pleased to be able to offer whole of market mortgage advice through the mortgage arm of the business – Coleshill Mortgage Services Ltd.

Areas we advise on include: Residential purchases, remortgages, further advances, porting of existing products, offset mortgages, second home mortgages, self build mortgages, joint borrower sole proprietor mortgages (JBSP) commonly referred to as guarantor mortgages, interest only mortgages, retirement interest only (RIO).

We also advise on Buy to Let including: Business buy to let in your personal name, business buy to let in a company name, trading company buy to let, non trading company / special purpose vehicle (SPV), expat buy to let as well as consumer buy to let.

Whilst we do not advise directly on the following, we can still provide the advice via our network of master brokers: Second charge mortgages (residential and buy to let), commercial property mortgages, development finance, bridging finance / auction finance.

IMPORTANT : A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments.

Click here to visit our other website at www.coleshillmortgages.co.uk

Inheritance Planning

You may think it’s too early to think about inheritance planning, but when it comes to taking advantage of the various tax allowances, it’s generally the early bird who catches the worm.

We work with your other professional contacts to ensure that everything is in place to ensure you legally pay the least possible tax on your death and retain the most to hand down those who matter most to you using a combination of protection, wills and trusts.

IMPORTANT : The tax treatment of products will depend on your particular circumstances and should be discussed with your adviser. Tax treatment varies according to individual circumstances and is subject to change.

Would you like to learn how you can protect your loved ones from unexpected tax bills when you're gone?



 

We take your privacy seriously and will only use the information you provide here to communicate with you about the services we provide. We will not pass your details to third parties and you may opt out of further communications at any time.