We are independent financial advisers having access to the full market place. We analyse product providers in respect of premium rates, charges, fund options, performance on a consistent and absolute basis, flexibility of contractual terms, financial strength and on going policy administration.

We offer regular reviews to all clients as a matter of course, and for those requiring more than an annual review, we can add you to an email list which will go out every quarter, or when dictated by economic events or investment opportunities, as required.

Pensions

Advise on all types of individual and company schemes from starting schemes, initial and ongoing advice, through to taking benefits.

Investments

Advice on investing for the short, medium and long term, appropriate investment vehicles, initial fund options and on going advice, together with advice on tax efficient investment.

Mortgages

We have software that accesses the full market so you access the best terms. We offer advice on where UK interest rates might go so that you can chose an appropriate scheme i.e. fixed or tracker rates etc.

Life Assurance & Income Protection

We have software that accesses the cheapest rates with premiums guaranteed never to increase.

Any business transacted results in a detailed "Reason Why" report detailing our recommendations which crystallises what we are doing and protects you against the liability of our advice.