Pinsa Financial Services

read morePinsa Wealth Ltd is a firm of financial planners & mortgage brokers, who have a reputation for giving jargon-free financial advice. As Independent Financial Advisers since 2002, our aim is simple - to give you expert advice at a level and depth to suit your individual needs. What's more, because we are completely independent, we are not tied to any panel or company and can offer impartial advice based on products from the whole market place, delivered in plain English and tailored to your individual needs.

read moreIn a world of call centres and robo-advice, Pinsa believe in the personal approach, and offer advice and services for individuals and business owners based on quality and strength. We were origionally founded in 2002 we have now grown into a leading financial advisory, wealth management and mortgage brokerage company based on the Wirral. Our clients consist of individuals, families and business owners spanning all age ranges across the Wirral, also covering Chester, Liverpool, Merseyside and North West, as well servicing clients all over the country.

read moreWhether you are looking at investing in a pension, an investment bond or ISA (Individual Savings Account), you might consider using investment funds. A fund is capital belonging to numerous investors, held in one place and used to collectively purchase securities, while each investor retains ownership and control of his own shares. Buying large numbers of shares or achieving a portfolio of investments may well be beyond most average investors so they effectively club together to increase their purchasing power.

read morePension arrangements can usually provide an immediate tax-free lump sum, commonly known as Pension Commencement Lump Sum (PCLS), sum of 25% with the remaining fund generating an income which is subject to Income Tax. Some schemes/providers also allow partial transfers to facilitate added flexibility. Transferring funds from the existing provider and shopping around on the open market can considerably increase the level of your income. This is because some providers offer better rates than others.

read moreIt is reassuring to know you have a clear plan for the future. Financial planning can help you organise your finances to make the most of your money and avoid situations you may not have anticipated. Our in-house financial planners are experts at thinking ahead and have long-standing experience of advising individuals, couples and families, companies and trusts. With their guidance, you can have a strategy for whatever life brings. It is never too soon to plan for later on. By getting you to focus on the lifestyle you want, the income you will need and who might be depending on you, planning can help you and your investment manager to set your investment goals.

read moreWhen planning your finances, it is important to distinguish between savings and investments. The most common way of saving is into a bank account ('deposit' account) where the money can be accessed in an emergency, and for every 1 you put in, you will get 1 back and possibly some interest. In other words, the original capital is guaranteed. Investments are designed to be held for a longer term, usually at least five years. You need to be comfortable with tying up this money for a period of time and should not consider investments unless you have some savings in place.

read moreTogether with an ageing population, changes in legislation and increasing care costs, it's more important than ever to consider planning for long-term care to protect yourself and your family. It's no secret that the UK population is ageing. The Office for National Statistics (ONS) projects that more than 24% of people living in the UK will be aged 65 or older by 2042, up from 18% in 2016. If you live in Wales, local authorities must apply a capital limit to people's savings and other assets - this is currently 24,000.

read morePensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired. There are many different 'tools' used to save for retirement, the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension income to provide for your retirement. The new State Pension is a regular payment from the government that you can claim if you have reached State Pension Age (SPA) on or after 6 April 2016.