Sublime Business Financial Advisers Ltd (SBFA) are Independent and work across whole of Market. We are directly Authorised and Regulated by the Financial Conduct Authority in UK (No. 583115).
SBFA help Provide and Plan for your financial success. Our service proposition will add significant value to your financial planning. We do this with care, understanding your needs and specific requirements, construction of bespoke financial plan and close working partnership to manage your capital and security goals. Our credo is Safety, Security and Utility.
SBFA have an authorised Appointed Representative - Airborne Financial Services Ltd and team of Registered Individuals. Our group of 12 RIs includes Pension and Retirement Specialist (Chartered Financial Planner), 8 experienced Mortgage brokers (CeMAP), a Professional Will writer, an Insurance specialist for Private Medical Insurance and all Protection Needs. We also have in-house admin staff and brokers to help you with General Insurance to safeguard your assets.
Our Business and Corporate team can help you with Tax Mitigation within HMRC rules, Employee Benefits, Group Medical Insurance, Group Pension and planning for Auto Enrolment. We also have working relationship with Banks and Institutions for Commercial Lending.
Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.
There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.
Pensions are, of course, 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.
– referred to as the State Second Pension (S2P) but before 6 April 2002, it was known as the State Earnings Related Pension Scheme (SERPS). From 6 April 2002, S2P was reformed to provide a more generous additional State Pension for low and moderate earners, carers and people with a long term illness or disability and is based upon earnings on which standard rate Class 1 National Insurance contributions are paid or treated as having been paid. Additional State Pension is not available in respect of self employed income. From April 2016 both the basic rate pension and additional state pension will be combined to offer a simple single tier flat rate pension. **
– these are also Money Purchase schemes and are open to everyone and especially useful if you are self-employed, your employer doesn’t yet run a company scheme or just for topping up existing arrangements. From October 2012, the Government introduced reforms and all employers have to offer their employees, who meet certain criteria, automatic enrolment into a workplace pension. Employers can use the Government backed scheme, National Employment Savings Trust (NEST), or offer an alternative ‘Qualifying’ work place pension scheme such as a Group Personal Pension, providing it ‘ticks’ certain boxes. The process is being phased in between 2012 and 2018 depending on the head count of a firm. Employers are required to contribute a minimum of 3% of salary with Employees making a personal contribution of 4% with tax relief of 1% added on top, which again, is being phased in gradually.
are now a vast array of different products that may be used at retirement to provide benefits from the traditional form of annuity that provides a regular income stream to Flexi-access Drawdown which enables lump sums of benefits to be taken either as a one off payment or over a given number of years. Given the complexity and choice all individuals now have, it is important to seek independent financial advice before making any decisions.
We are here: 1 Galeys Road, Coventry, West Midlands, CV3 5GN
Sublime Business Financial Advisers Ltd is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 583115.
Registered in England & Wales, Company Number 07705200. Registered Office address: 1, Galeys Road, Cvoentry, West Midlands, CV3 5GN. Trading address: . Telephone: 02476 101 000
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