What we do
When a new client contacts us for the first time, we ascertain whether they would like us to advise on one specific investment or type of cover, or whether a full review of all existing arrangements and plans for the future are required, or possibly somewhere in between.
Initially, we may arrange some life cover, or a single ISA investment, then later go on to review other arrangements and requirements over a period of time. Whichever suits you best is fine with us, as long as we both understand the extent of what is required of us.
It can sometimes be better to ease into something as close as an IFA/client relationship gently, and not be rushed by deadlines, such as trying to get an ISA investment made before the end of a tax year, or replacing an expiring life policy. If we can get the urgent requirement out of the way first, we can have more time for longer term planning, without the pressure of deadlines.
It is vitally important that those of us with financial responsibilities and obligations, plan ahead to take care of the people relying on us for support, should we become ill, or not survive to see through our plans. This will necessitate consideration of life assurance, both long and short term, critical illness and income protection, and consideration of trusts. 
For a number of years, long term interest rates have been lower than they were previously, and this must be considered in the light of the very much lower levels of inflation we have had. A good basis of bank and building society accounts, together with National Savings, will provide a secure income in the form of interest, although if the interest is used, in real terms the capital will be eroded by inflation.
varied term, usually referring to stock market related holdings and property. Both of these classes of investment have proved to be profitable in some time scales, but both have shown vulnerability when the stock market and the property market conditions have been unfavourable. Diversification can be vital in dealing with these risks. 
We have been involved in personal and business insurances for many years and can provide the full range of covers, house buildings and contents, private car and commmercial vehicle, business premises insurance, public liability and employers liability, with various packages for different trades, as well as travel cover and private medical insurance where required.