R.J.
Nash
Consultancy Ltd
Independent Financial Solutions
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Our services include a review of your existing arrangements: When was the last time you reviewed your pensions, investments and life assurance plans? As your personal circumstances change, there may well be a need to update your current plans in order to establish adequate provision for the future. Milestones in life There are many issues to consider when planning one’s financial future and these may include the following: birth - start of school, college or university – start work – change of employment – first home – getting married – start a family – move home – relocation – redundancy – starting a business – windfalls – divorce – illness – retirement – death. People’s personal circumstances change from time to time and it is important to undertake a review of your financial position to accommodate all of your needs. Our services cover the following topic’s Mortgages: For Residential and Commercial purposes, we have access to the very latest rates available from Banks, Building Societies and Centralised Lenders to suit your personal preferences. Your home may be repossessed if you do not keep up repayments on your mortgage. Investment planning including Portfolio: Be it investment for growth, income or a combination of each through Unit Trusts, Investment Trusts, Investment Bonds and Offshore Funds we have access to all providers to meet all of your needs. We offer Portfolio planning to ensure that you have investments in place which are balanced and meet your attitude to capital risk. Savings plans: Various schemes to fund future needs such as school fees, wedding expenses, deposit for a property, or any other purpose. Pension planning: We offer advice regarding Stakeholder Pensions, Personal Pensions, Occupational Pension Schemes such as Money Purchase or Final Salary, Self Administered Pension Schemes, Transferring Personal Pension Schemes, Deferred Pension Benefits and Additional Voluntary Contributions. We also offer Annuities advice regarding capital investment to provide a guaranteed income for life. Life assurance: Family Protection, Mortgage/Loan Protection and Business Protection to provide a lump sum or monthly sum for your family or to repay a loan, etc. Critical illness: Personal or Mortgage related critical illness protection which provides a lump sum in the event of a serious illness such as stroke and some forms of cancer and heart attack, etc or disability. Income protection: To replace Income in the event of Sickness, Accident or disability resulting in you being unable to work in your occupation. Business and Key Person protection: To protect a business from the effects of losing a Key Director or Employee through death or illness. Directors and employees with highly specialised skills or knowledge are key employees of a company, to lose them through accident/illness or death can be damaging to a business. Key Person insurance offers a solution to a company by paying the costs of a temporary replacement or meeting the costs of recruiting a permanent replacement or even covering the cost of death or incapacity of a key member of staff. It should be noted that shareholders, bank managers, suppliers and customers will expect the company to continue as normal even with the loss of key personnel. Long-term care We tend not to think about how to pay for long term care until one of our relatives has to go into a residential or nursing home. We can help you fund for long term care and as such protect existing assets which may otherwise need to be utilised to help pay for the care fees. General Insurance: We can assist you with all of your general insurance needs such as Buildings & Contents insurance and Accident, Sickness & Unemployment schemes. For Buildings & Contents insurance and Accident, Sickness & Unemployment cover we offer products from a single provider (PaymentShield underwritten by St. Andrews) For all other general insurance products we act as Introducers Only. Contacting us: You will be able to find enquiry forms to assist you throughout the various topic areas within the website. Alternatively, you can e-mail us with a general enquiry. Our contact details are available in the website. We look forward to being of assistance to you. Commercial mortgages and foreign mortgages are not regulated by the FSA or arranged via Sesame. Your home may be repossessed if you do not keep up repayments on your mortgage. We can either be paid commission by the lending institution or charge a fee for Mortgage Advice. The amount of the fee will depend on your circumstances, typically 0.5% of the loan amount. |
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