We are an independent provider of Pension, Investment, Mortgage, Insurance Protection and Inheritance Tax Planning Advice along with Wills, Lasting Powers of Attorney (LPAs), and Trusts. Based in Hornchurch, we offer a friendly and trusted service tailor made to suit personal & individual requirements. We have been established for more than 25 years now.
We are a family run business that keeps its clients by providing great, effective service. Our well researched and whole of market offering is value priced and completely transparent. We will not always tell you what you want to hear, but our advice will get you what you want. We can work using an on-going holistic approach or on specific issues, employing modern, compliant thinking with the experience to incorporate older proven ideas.
Our service covers from the beginning of your life to the end - from Children's ISA's, Mortgages, Family Protection, Life Cover, Pensions, ISA's and Investments to Wills, Lasting Power of Attorneys, Trusts and Estate Planning.
We are a family run business that keeps its clients by providing great, effective service. Our well researched and whole of market offering is value priced and completely transparent. We will not always tell you what you want to hear, but our advice will get you what you want. We can work using an on-going holistic approach or on specific issues, employing modern, compliant thinking with the experience to incorporate older proven ideas.
Our service covers from the beginning of your life to the end - from Children's ISA's, Mortgages, Family Protection, Life Cover, Pensions, ISA's and Investments to Wills, Lasting Power of Attorneys, Trusts and Estate Planning.
Services
From our beginning in 1994 most clients have remained with us throughout and we now find we are helping their children buy their first homes or start their pension or ISA accounts.
We're good at what we do and charge fairly with the client outcome foremost in any advice or recommendation.
We grew the practice based solely on referrals.
We have never advertised or paid any lead generating service.
No one likes cold calls.
Clients have taken comfort in this and we now find ourselves involved with many members of the same family or many employees of the same company.
We're good at what we do and charge fairly with the client outcome foremost in any advice or recommendation.
We grew the practice based solely on referrals.
We have never advertised or paid any lead generating service.
No one likes cold calls.
Clients have taken comfort in this and we now find ourselves involved with many members of the same family or many employees of the same company.
If you're a basic rate taxpayer, you get a 20% rebate - so for every 800 you invest, the actual amount invested is 1,000, as 200 of tax relief will be reclaimed from HMRC on your behalf.
Higher rate taxpayers may be eligible to receive an extra 20% when you fill in your self-assessment return.
Additional rate taxpayers may be eligible to receive an extra 25% when you fill in your self-assessment return.
At 55, you'll, have a lot of freedom over how you can withdraw and spend your pension, starting with taking 25% as a tax-free lump sum.
Higher rate taxpayers may be eligible to receive an extra 20% when you fill in your self-assessment return.
Additional rate taxpayers may be eligible to receive an extra 25% when you fill in your self-assessment return.
At 55, you'll, have a lot of freedom over how you can withdraw and spend your pension, starting with taking 25% as a tax-free lump sum.
So, if inflation is 2.5% and my savings make 0.1% in the bank, what's the point of saving.
Savers make different investment choices because choosing how to invest for the best outcome isn't easy.
For some leaving cash to build in a bank account appears less risky.
However, it isn't 'riskless' and this choice hasn't been sensible for a long time now.
Inflation has continued to gnaw away at spending power.
Look at the value today (2018) of 10,000, 10 years ago.
The current value is 7629.
This is because inflation, averaging 2.7% per annum over this period is reducing spending capacity.
Savers make different investment choices because choosing how to invest for the best outcome isn't easy.
For some leaving cash to build in a bank account appears less risky.
However, it isn't 'riskless' and this choice hasn't been sensible for a long time now.
Inflation has continued to gnaw away at spending power.
Look at the value today (2018) of 10,000, 10 years ago.
The current value is 7629.
This is because inflation, averaging 2.7% per annum over this period is reducing spending capacity.
Which Insurance Company offers the most benefits like a 2nd medical opinion or Access to a dedicated nurse.
Can a policy help me if I get sick or suffer a critical illness like cancer, stroke or a heart attack.
With Critical Illness Cover, did you know, nearly 90% of claims are for Cancer, Stroke, Heart Attack, Multiple Sclerosis & Children's Critical Illnesses.
The last thing anyone needs is financial worries or increasing debt at the time they have just lost their health or lost a family member.
Can a policy help me if I get sick or suffer a critical illness like cancer, stroke or a heart attack.
With Critical Illness Cover, did you know, nearly 90% of claims are for Cancer, Stroke, Heart Attack, Multiple Sclerosis & Children's Critical Illnesses.
The last thing anyone needs is financial worries or increasing debt at the time they have just lost their health or lost a family member.
We believe we are quicker than approaching the lenders directly and we aim to speed up the process for you, ensuring you don't lose the property that you want to be your home.
First Time Buyers, Remortgagers or Home Movers, we have 24 years' experience of helping clients that you can benefit from.
Did you know you can move home using Equity Release, so if you've always wanted to retire to that house with the little garden, well it may be possible using Equity Release.
The market is fully regulated by the Financial Conduct Authority.
First Time Buyers, Remortgagers or Home Movers, we have 24 years' experience of helping clients that you can benefit from.
Did you know you can move home using Equity Release, so if you've always wanted to retire to that house with the little garden, well it may be possible using Equity Release.
The market is fully regulated by the Financial Conduct Authority.
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