Income Protection
Plans to keep up your level of income in the event of sickness, accident or disability; so that family and dependents do not suffer financially should those unfortunate events occur.

Building and Contents Insurance.
Independent recommendation of the best schemes.

Life and Critical Illness Cover
Making sure your family is well cared for in the event of your death or serious illness.

Retirement Planning
Ensuring that you plan to enjoy the standard of living you deserve in retirement.
A Pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.

Investment and Savings
Working with you to ensure you meet your own financial plans and needs.
The value of investments and income from them may go down. You may not get back the original amount invested.

Mortgages
Recommending the best and most suitable mortgage for property purchase, improvement and other capital raising.
Re-mortgaging to reduce costs.
Buy-to-let  mortgages. Most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Lifetime mortgages. To release equity may require a lifetime mortgage. To understand these features and risks, ask for a personalised illustration.

Purchase of second or holiday homes.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.