For independent advice :

call us on 01822 618535

Or email info@westcountryfinancial.co.uk

FAMILY PROTECTION

How would your family cope financially in the event of your death or diagnosis of a critical illness?

INCOME PROTECTION

How would the bills be paid if you were unable to work for a long period due to an accident or illness?

RETIREMENT PLANNING including DRAWDOWN and ANNUITIES

How do you expect to fulfil your dreams for retirement?

SAVINGS

How will you be able to meet the cost of your family’s plans for the future?

INVESTMENTS

How sure are you that your money is in the best environment and you’re paying the lowest amount possible in tax?

MORTGAGES including LIFETIME MORTGAGES and EQUITY RELEASE

Would you like to buy your own home or try to reduce your current mortgage payments by remortgaging to  a lower interest rate?

CORPORATE PLANNING

How is your business coping with the changes in the provision of pension benefits for employees?

How would the loss of a key employee affect your business?

TRUST and INHERITANCE TAX PLANNING

If your total estate exceed the Nil-Rate band on your death, then 40% of all assets above the current level could be lost in tax.

LONG TERM CARE etc.

In 2009 men who were aged 65 have a life expectancy projected to be 21.1 years , while women have a life expectancy projected to be 23.8 years 85 (National Statistics Office).

PRIVATE MEDICAL INSURANCE

We all have seen NHS waiting lists lengthen. With private medical insurance waiting lists do not exist.

HOUSE AND CONTENTS INSURANCE

Does your house and contents policy provide you with adequate cover for all eventualities?

The FSA does not regulate some forms of mortgage and inheritance tax and trust planning.