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.
Ashley Kneale Associates Limited is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 607133.
Registered in England & Wales, Company Number 08577350. Registered Office address: Suite 004, Lovell House, The Quadrant, Birchwood Park, Warrington, Cheshire, WA3 6FW. Trading address: Same as registered. Telephone: 01925 815556
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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.
Helping you through the financial maze...
We are a firm of Independent Financial Advisers with a wide range of skills and expertise. We work with both corporate and private clients, to deliver innovative financial advice.
Our company was formed in 1994 and we have built up a loyal client base of both corporate and personal clients. Our advisers offer practical, logical and understandable advice.
We work mainly on a fee basis, but may receive commission on some products as a method of remuneration. This is established during our initial meeting (for which there is no charge), when we will assess your needs and subsequently provide suitable advice to meet these.
aim to provide a straight forward jargon free service
. We are an independent group of advisers, with no ties to insurance companies, investments companies or any other product providers.
We have developed relationships with our clients that engender confidence, trust and the knowledge that they will attain value for money and the most suitable advice for their needs. As no two clients are the same we provide unbiased, objective advice on a whole range of potential solutions. Whether you seek an assessment of your Inheritance Tax planning strategy, have a lump sum to invest or simply need advice on pensions, savings or protection policies, we are able to guide you towards a suitable course of action.
We believe our style is marked by a creative and personal approach to solving often complicated needs of our clients. We pride ourselves in helping clients to clearly identify their own goals and objectives and then presenting a bespoke solution to meet their precise needs.
