Products We Recommend

We advise clients on all areas of financial planning choosing the most suitable and cost effective cover for you as follows:

Protection Plans - Life Assurance, Critical Illness Cover and Income Protection

Personal Protection
  • Mortgage Protection Assurance – to repay your repayment mortgage loan on death during the term of your mortgage
  • Level Term Assurance – to repay your interest-only mortgage on death during the term of the mortgage
  • Level Term Assurance – to provide a lump sum for your dependants should you die leaving dependants
  • Family Income Benefit – to provide an income for your family should you die leaving dependants
  • Whole of Life Assurance  - used mainly to pay the cost of inheritance tax which is chargeable to your estate on your death
  • Permanent Health Insurance – to cover your income should you be unable to work due to long-term illness or disability
  • Critical Illness Cover – to provide you with a lump sum in the event of contracting a specified critical illness

Corporate Protection

  • Share Protection – to cover the cost of buying back company shares should your business partner die
  • Key Person Cover – to cover the cost of replacing a key member of your personnel


  • Residential mortgages
  • Re-mortgages
  • Buy-to-let mortgages
  • Commercial mortgages

Please note that your home may be at risk if you do not keep up the repayments

Ethical Investments for individuals

  • ISAs
  • Unit Trusts & OEICs
  • Investment Bonds – onshore and offshore
  • Investment Trusts
  • Stock-broking portfolios
  • VCT & EIS
  • AIM portfolios
  • Investment in social housing
  • Alternative energy investments
  • Sustainable forestry
  • Recycling investment opportunities
  • Microfinance

Ethical Investment advice for Charities and Trusts

  • Review to establish  ethical and investment principles of the Trust
  • Recommendation of a suitable investment portfolio
  • Regular reviews to ensure ongoing compliance and performance
  • Attend Trustee review meetings & report to Trustees

Ethical retirement planning for individuals

  • Personal pensions including Stakeholder pensions
  • Self-invested Personal Pensions
  • Small Self-administered Schemes
  • Income Drawdown arrangements including Phased Drawdown
  • Annuities – standard guaranteed, with-profits and unit-linked, third way
  • Impaired Life and Enhanced annuities
  • Pension sharing on divorce

Company Pension Schemes

  • Advice to scheme members (group presentation) and individual consultations
  • Investment advice to pension scheme Trustees – ethical options available
  • Scheme Actuarial review and recommendation to Trustees

Employee Benefit Schemes

  • Group Personal Pension Schemes – ethical options available
  • Group Death in Service
  • Group PHI
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