Financial Relationships

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Welcome

Welcome to the home of thoughtful advice for all of your financial planning needs. Throughout your schooling, working career, growing family and your eventual retirement you may need a variety of services, suppliers or products, and we believe that the best approach to getting these is working closely with an Independent Financial Adviser. Being an 'independent' financial adviser is critical for us to understand your specific needs and then advise upon the right solutions for you, your family or business.

BusinessFinance

Protection If you are a business owner or a company you can provide yourself and your staff with all of the insurances you need as an individual. This can be paid for through the company in a very tax efficient way and often at group discounts that make the products much better value than if bought personally | more

Retirement With compulsory employer pension contributions arriving in the UK it makes sense to have the fullest investment options, advice and payment choices offered through the open market via Financial Relationships | more

Mortgages We work with a variety of
brokers, lenders, private banks and institutions to find you the most flexible, cost effective solution | more

PersonalFinance

Protection Financial protection is usually the first priority order of need for you and your family. It is the cornerstone of holistic financial planning which underpins your planning today and the future | more

Retirement Saving today for an enjoyable tomorrow in a tax
efficient way is the best way of ensuring a comfortable post career lifestyle | more

Mortgages From first time buyers, re-mortgages or buy to let we will advise you on the best deals in the IFA and the direct market. Please note that buy to let advice is not regulated by the Financial Services Authority | more

Investments  For those lump sum investments that may not come around that often some careful planning is needed.

Savings Regular monthly savings for a rainy day, special events, school fees planning or to couple your other tax effecient retirement savings. Please note that most school fees planning/advice is not regulated by the Financial Services Authority | more

CaseStudies

Case study: Our client who wanted pension and investment advice after thirty years full service in the Police force.

The spouse, who still worked in the Police services required advice too | more

Case study : Protection was needed to cover a large UK mortgage.

In addition the clients wanted to acquire a second property in a France | more

Sports, Music & Media:
When individuals retire from professional sports or move into different areas of the music and media industries, we help them prepare for the beginning of a second career in advance as this can be a daunting task | more

FinancialUpdates

autumn statement brings further pension changes
5 December 2012, the Chancellor announced yet more changes to the ‘simplified’ pensions regime which will further complicate matters for higher earners in particular. Find out more about the most important changes  to bear in mind | more

the age allowance trap
From 6 April 2013, the availability of the age-related income tax personal allowance will be restricted.  With careful financial planning, many people 65 or over before this date can take steps to ensure that they maintain their entitlement | more

are you protecting your income?
A recent ICM survey commissioned by ‘the syndicate’ on behalf of insurers highlighted that a third of respondents were not aware of how long they could claim Employment and Support Allowance (ESA) | more

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