We are independent financial advisers who cover the whole of the northwest of England, Bideford and specifically the North Devon and Barnstaple area. We offer unbiased expert financial advice for our clients and are based in North Devon and Barnstaple. We are experts on the following subjects:
Mortgages
Pension
Annuity rates
Life Insurance
Savings and Investments
If you live or work in West Buckland on the Wirral, in Higher West Buckland, Lower West Buckland, Poulton Lancelyn, Spital or Storeton and you are in need of expert financial advice on mortgages, annuity, pensions, savings, investments or life insurance, then look no further. We are experts and have a vast experience and knowledge base in these fields and offer a range of products from various financial houses.
Continue reading Independent financial advice for West Buckland and the Wirral, North Devon and Barnstaple Areas
Braunton, noted for its natural beauty, cosy cottages and great food. Our advice is geared towards experienced and knowledgeable risk management, our aim is to to give you the best financial advice we can. We want you to reap the rewards of knowledgeable investments that ultimately pay the optimum dividends. Reduce risk and reap the return you want in your retirement years.
Which type of life insurance best suits your family and your circumstances ?
It can be a minefield. We explain the terminology the intricacies of life insurance policies in a concise and straight forward manner. We are uniquely placed in the Life Insurance marketplace because we are independent, highly experienced with over 20 years serving clients and we have a team of experts who are constantly analyzing and dissecting life insurance policies so that we are able to advise our clients on a perfectly tailored Life insurance policy to suit them. We are independent and proud to be biased, we are bias towards our clients and their needs.
Continue reading Types of Life insurance
Life Insurance is there to give you peace of mind, its the best way to ensure that after you’re gone your family do not suffer from financial worries. With half or even all your families income lost from your demise . . . household bills, child care costs, mortgage payments and university fees could become unbearable financial burdens. Imagine what life would be like for your family if you died right now with no financial safety net for them ? Do not put off something you do not like thinking about because the thought is unpleasant, the more unpleasant thought would be , what would happen to them without your life insurance payment?
Continue reading Affordable Life Insurance
We provide expert mortgage advice for everyone, from a first time buyer to the experienced in remortgage and landlords. We cut through the fine print and explain the pros and cons to each mortgage product making the process simple and easier for you. We monitor the whole of mortgage market for trends, capabilities and our advice always aims to offer a snapshot of the best deals at any given moment, its through years of experience advising our customers dissecting mortgage products that makes us uniquely placed to assist you. Continue reading Use our Mortgage Calculator
Millions of people throughout the United Kingdom are yet to pay into a pension or have made little contribution into a pension fund – and there are many employees across the country that have no pension scheme in place. Continue reading No pension, why not?
You work hard and take care of your family. What happens when you are not around to that ? or if you’re unable to work due to an illness or accident ?
Continue reading Life Insurance and protection cover for your Family
There is no hard and fast rules on the offering the best pension, and a regular question asked is whether it should be a self invested personal pension plan (SIPPs) or an Individual Savings Plan (ISA) product.
Continue reading What is the best pension available ?
More people are now looking for ways to invest their money in line with their principles, but what does this really mean?
There is no such thing as a “perfect company” to invest your money with and there is no right way in ethical investing. However, as an ethical investor, being comfortable with the funds in which you invest in is important . This means that you should always be aware of the aims of the fund and how it operates . Continue reading Putting your money where your morals are !
Unfortunately its a fact of life that death comes to all, a depressing thought. A depressing thought maybe, but is this a reason to neglect life insurance ? Articles on the subject show that 1 in 3 of us has no life insurance at all. (Sourced from the Research Firm Limra Study 2010 USA)
Most people in this country switch off when they hear the words tax system, however when it comes to tax and savings, we all switch on and in particular, we pay attention to an Individual Savings Account (ISA). Continue reading Are your savings as tax-efficient as they could be?
The term “mortgage” is used to name the secured loan placed against a property. More often than not it is used to finance the purchase of a home however it is also becoming popular as a tool to access finance at competitive rates for purchases like home improvements, business investments or the purchase of a second home or holiday home.
Continue reading Definition of a Mortgage
If you have a lump sum you can gain a regular income from a type of insurance policy termed an “Annuity” !
In a sense, an annuity works as Life Insurance in reverse. It is the Insurance company that will sell you the annuity that will estimate how long you will live and they then use this as a basis for the amount it will pay you. Everyone who has taken a pension and has saved a lump sum with their pensions provider must buy an “Annuity” by the time they reach 75 years of age.
Continue reading What is an Annuity ?