The Independent Advice Bureau

read moreWe are strongly committed to ensuring that all of our clients have the opportunity to make the best decisions possible for their financial future, whilst having access to a wide choice of products available in the marketplace. At the Independent Advice Bureau, we take great pride in the trust that our clients place with us, recognising that sustained professionalism in our relationships, is the key to successful financial decision making. As financial planning can be complex, we understand the value of clear and succinct communication, meaning that all proposals and solutions are presented with total clarity.

read moreIt's never nice to have to think about it but you could lose your job, fall ill or worse. Fortunately for most of us the chances of dying before we reach our retirement is low, making life assurance relatively inexpensive. There is a much higher likelihood of you not being able to work for an extended period yet few of us protect ourselves or our family sufficiently against these events. The cost of providing cover against the worst that life can throw at us is relatively inexpensive. We can advise on a range of policies to suit your specific circumstances.

read moreWith investment generally the more risk you are prepared to accept will lead to higher returns over the long-term but also normally means more volatility (up and down movements) which can be very scary to the inexperienced investor and may mean you making bad decisions should your investments fall unexpectedly. Investing in cash and bonds to deliver a predictable return may seem prudent but over the long-term inflation could wipe out any gains you make whereas investing in property and shares is likely to give you a return over the long-term significantly above inflation, making your money work harder for you but you have to live with the increased volatility.

read moreFor most people, your home will be the largest single investment you will ever make, so picking the wrong mortgage can be a very expensive mistake. The wrong product could end up costing you thousands of pounds more over the lifetime of the loan and often what seemed the cheapest option on day one may not prove to be over the long-term. Current mortgage products mean it is wise to look at your mortgage every few years, particularly at the end of any fixed period. Failing to do so may put you back on your mortgage provider's base rate which can be many times more expensive than the best rates the market can offer.

read moreThere is an old Chinese proverb that states "The best time to plant a tree is twenty years ago; the second best time is now." This proverb could have been written about pension saving. There is no doubt that the sooner you start contributing towards your retirement the better your retirement will be. More than any other form of savings, pensions benefit from significant tax breaks which will help your savings to grow quicker. The Independent Advice Bureau Ltd is authorised and regulated by the Financial Conduct Authority.

read moreHere is a collection of calculators we've put together to assist you in taking a snapshot of your current financial situation. If you find some of the results a bit disturbing, give us a call on 0161 248 9746 or send us an enquiry, we'll be only to glad to help you place your finances back on track. The Independent Advice Bureau Ltd is authorised and regulated by the Financial Conduct Authority.