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A refreshingly clear approach to your financial planning


The content of these Insight articles, and the website as a whole, is offered for information purposes only and is not to be taken as advice for you to act upon. If you wish to take action with regard to any area of your finances we recommend that you should take professional financial advice.
Please contact us to discuss your needs.

Relevant Life Policies

A relevant life policy is an employer funded life assurance policy written on the life of an employee and which, provided it meets certain legislative requirements, benefits from favourable tax treatment.


Business Liability Audit

All directors and business owners should regularly audit the risks to their business.

Here are a few pointers and things you should think about when completing a risk audit.

10 Rules for Successful Investment

Successful long-term investment is not just about buying low and selling high - although that is always a good principle to bear in mind.

New ISA Freedom

The Chancellor has announced greater flexibility in taking money out of ISAs and then reinvesting it.

Scamproof your savings

Scammers are after your pension pot! They will try to lure you with promises of one-off investments, pension loans or upfront cash. Most of these are bogus.

Pension Death Benefits

Clients hoping to leave a flexible legacy to family members from their pension need to check that they have everything in place to make that happen. Trying (your executors) to achieve this after your death may be impossible if you were stuck in a pension scheme which doesn't offer the new freedoms, or with an outdated death benefit nomination.


For small pots, there will be the ability to cash in small pots provided the value is less than £10,000 and the total value released is less than £30,000. Individuals in this bracket will still be allowed to continue to make tax-relievable contributions of £40,000 a year.

Drawdown after 6 April 2015

The new simpler flexi-access income drawdown allows people to manage their income throughout retirement, giving control and flexibility.

Cashing In Your Pension

People can cash in their entire pension pot, or receive ad-hoc payments with 25 per cent of each payment is tax-free, an option known as the ‘uncrystallised fund pension lump sum’.

Taking Benefits after 6 April 2015

From 6 April 2015, retirement income limits will be removed for money purchase pensions. So members of pension age will be able to take what they want from their money purchase pension pot, when they want it.

What is Income Protection?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (this is typically your normal retirement age).

About Life Insurance

The right money in the right hands at the right time.

First Time Buyer?

Struggling to find a Mortgage for your first home? Buying a house is one of the most important purchases you will make, and buying a home for the first time could be an even more daunting prospect.

Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision. To help you with making the right decision we have put together 10 top tips for you.

Buy to Let Considerations

Here are a number of things you should consider before embarking on a buy-to-let investment strategy.


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