1. Financial Planning

You may want us to answer just a single question or carry out a full "personal financial planning review" or something in between.

 

In every case we need to be sure that we have adequate information about your particular situation to make sure we fully understand your questions and give good advice. We are then able to provide clear recommendations to help you achieve your financial goals.

 

This will involve careful planning and may involve tax issues, your own attitude to different sorts of investments and insurance needs as well as "affordability".

Once we have established and agreed your priorities we should be able to help you make a well informed decision on the best way forward.  We will also make any arrangements for you that may be needed.

 

If investments, insurance and so forth are needed, we will select suitable products from the market as a whole, with comparative quotations, where appropriate, for your approval.

2. Pensions

New tax rules were introduced in April 2006 and further new legislation is in the pipeline. 

As all of this evolves current professional advice is more important than ever before.

Making new arrangements:

If you are thinking about starting a new pension arrangement, talk to us and see if we can help.

Reviewing existing arrangements:

We are able to review existing arrangements and advise on the best way forward.....     for both individual and group arrangements.

• Decisions at retirement - getting the most income from your pension plan will involve looking at a range of options and we can help you select the one most suitable for you - including conventional, asset linked and enhanced Annuities, Unsecured Pensions (income drawdown plans), phased retirement, Alternatively Secured Pensions after age 75, and so forth.
• Pension transfers - we are also authorised by the regulatory authority to advise on Pension Transfers.
• Stakeholder pensions - People considering Stakeholder Pensions more often than not need advice and guidance - we can help, particularly with Group schemes.

   Talk to us about it - you'll be pleased you did !

 

3. Long Term Care of the Elderly -

planning for payment of nursing home fees

• Immediate needs - We can help you plan payment of fees for someone already in a nursing home or about to go into care. This is referred to as "Immediate Needs Long Term Care provision".
• We can help you work out the most efficient way to pay for nursing home fees and make a clear comparison of the different options available in individual cases.
• The objective will be to enable you to make a well informed decision on the best way forward, with peace of mind for the future and protecting hard earned assets as far as possible.
• Insurance for the future - Alternatively, the planning may be to provide for nursing home fees in case the need arises at some point in the future. We will be pleased to compare the various options make suitable recommendations for the particular circumstances.

In both cases the resulting peace of mind for all concerned, knowing that the money is less likely to run out, and the preservation of the care recipient's capital, should be a comforting reward.

4. Mortgage Advice

Mortgage rates and terms are changing more rapidly now than possibly ever before. Aggressive sales campaigns and promotions by lenders make the need for independent advice still more important.

 

Re-mortgages,   New mortgages,   lifetime mortgages

 

or a review of your mortage protection arrangements

      -  We can offer expert independent advice

                                   ........ and make the whole process simpler for you

           -  phone us (01379 783272) 

              or email us:   enquiries@andrewdickson.co.uk

 

5. Insurance Protection

Premium rates and conditions have changed considerably in recent times and you may well be able to save money on existing life insurance, disability insurance or medical insurance policies.

We will be pleased to help by reviewing any existing arrangements and making recommendations for the future on such issues as Life Assurance, Critical Illness Insurance, Disability Cover and Private Medical Insurance.

Our work will normally include obtaining competitive quotations from the market as a whole and reporting to you with our recommendations, and then making the arrangements for you.

 

Claims

Another important aspect of our service can be our involvement in any claims that may arise, helping to ensure a prompt and fair settlement.