Giles Warren Financial

Giles Warren Financial Ltd is a authorised and regulated by the Financial Conduct Authority.
We are a small and privately owned business, with access to an extensive range of complimentary support from a specialist compliance organisation called Paradigm Consulting www.consultparadigm.co.uk.
This company helps us to stay up to date with all the latest regulatory requirements to help ensure we deliver compliant and expert solutions for our clients.
Our goal is to provide you with a personal and professional service, tailored to meet your individual circumstances.

Key person insurance is an important form of business insurance.
There is no legal definition for 'key person insurance'.
In general, it can be described as an insurance policy taken out by a business to protect that business for potential financial losses that could arise from the death or extended incapacity of an important member of the business specified on the policy.
One of the great risks of a business partnership is that one of the partners may die or suffer a specified critical illness, with his or her share of the business passing to their beneficiaries.

This section contains miscellaneous & general financial information that you may find useful when dealing with certain life events.
This document contains a short explanation of Capital Gains Tax, the allowances available in the 2021/22 tax year, and how you can use it in your year end tax planning.
Civil partnerships in the United Kingdom, granted under the Civil Partnership Act 2004, allow same-sex couples to obtain essentially the same rights and responsibilities as marriage.
Designed to be very much equivalent to marriage for same sex couples, a civil partnership carries both rights and responsibilities, in very broad terms, attracting the same legal and tax protections/advantages/disadvantages as a traditional marriage.

Investing money needs careful consideration and you need to be absolutely sure of the risks involved.
This section provides generic information on different types of saving & investment.
You should seek advice appropriate to your specific circumstances prior to making any decisions.
The value of your investments can go down as well as up, so you could get back less than you invested.
Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.

Not only do you need to consider which mortgage is most suitable for your current needs and circumstances, you also need to think about which interest rate options are most likely to suit your needs.
This section has information on the various types of mortgage product which are available.
Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out.
Fortunately, there are now some lenders willing to provide adverse credit mortgages and this short guide will help you understand what to expect.