Acuity Financial Consultancy

read moreMany of us know someone who has died young, or who has had a serious illness, and a lack of protection planning can have a massive impact on family finances. But how many of us have seriously thought about how long we could pay the bills for if we were unable to work, or if we were no longer there? This does not only apply to wage earners. Legal and General, in their 2015 Value of a Parent survey, value the domestic work a Mum does each year at 29,535. For Dads it's 21,601. Parents estimate that on average the day-to-day cost of raising a child to the age of 18 is 123,365, when in fact the cost is 184,392!

read moreEstate Planning enables you to put together a clear plan that details your wishes about how you'd like your estate to be managed upon your death. This will prove to be incredibly helpful for your loved ones, who can then arrange your affairs accordingly. We provide specialist Estate Planning services such as Trust and Taxation advice. For example we provide investment advice where monies are held under Power of Attorney to pay for nursing fees. We will also arrange for investments to be made for children.

read moreIn April 2015 major changes were announced to pensions. These new freedoms mean that what was already quite a complicated area has become even more so. As a pensions specialist we can help make the pensions at retirement situation clearer. Annuities should be the first option you consider at retirement. It is important to look at different providers, as a higher income can be obtained just from picking the right company. Our advisers will review the market and advise you on your annuity options.

read moreReturns from deposit account investments are generally low. Whilst they are considered safe havens for short-term savings they are a poor defence against inflation. Also, they may not be the best option over the medium to long term. We can offer advice on a range of options, including a variety of ISA products. We can arrange for monthly or capital investments, and also examine existing investments. This is particularly relevant for investments which have not been reviewed for some time, and where you are not getting ongoing advice.

read moreThere are thousands of mortgages available in the UK. It can be daunting if you are looking for the first time, or if you haven't changed your mortgage in many years. All banks and building societies offer many different products and are all trying to sell you their own mortgages. We are truly independent of all of the lenders. Our detailed knowledge of the market and substantial experience enables us to find the best mortgage product available for you. Our aim is to guide you through the whole process.

read moreThe core of our business is standard financial planning, ranging from mortgage advice for the first time buyer to investment portfolio construction and management. However, we specialise in a number of areas, where professional advice is extremely important. Please browse the links at the side, or call us for anything specific you would like to discuss.

read moreOne of our long-standing clients approached us for mortgage advice as his product was ending. He was looking to take out a new 5-year fixed rate product. A few weeks later we went to apply for this, to find the rate had increased. The client was happy to go ahead with this, but we could see no reason for the change. We therefore suggested he should wait whilst we did a little more digging. On checking the numbers we found that his loan to value was just under the 80% mark. However on checking the rates we found the rate he was being offered was for loans over 80%.