We know how time consuming it can be to establish exactly which mortgage is right for you. Our financial advisers can help you select the best mortgage available, and help with the paperwork that comes with it.
There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.
Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.
As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.
Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche IFA, we can help decide what type and level of insurance is suitable based on your current situation.
Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.
We are a firm of Chartered Financial Planners with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.
Here at Niche IFA, we have developed a widely-used online suite of financial planning tools called CashCalc. CashCalc includes a cashflow modeller which we make use of to provide you with a closer look at your current financial situation and potential future.
Former FCA regulator and financial service specialist, Rory Percival, defines cashflow planning as something to help determine the sustainability of a client’s income versus their outgoings over the years of their life.
Cashflow planning can help you assess your current financial situation as well as looking at how your income and expenditure may change both in the near future and beyond. It can help you identify where you may experience a shortfall in your finances as well as helping to set achievable financial goals.
Cashflow planning is for everyone – from simple monthly forecasts to yearly predictions – it can help you to make accurate and informed financial decisions going forward. Many cashflow planning models allow you to simulate how your financial situation could potentially change should an unexpected event occur, such as a market crash.
Any financial forecasts that are created using cashflow planning are not set in stone and only give an indication as to what may happen in the future, so should be reviewed on a regular basis.
Niche Director and Chartered Financial Planner, Ray Adams, made the decision to launch CashCalc, highlighting the need for simplicity alongside powerful technology. CashCalc is an online suite of financial planning tools, including the UK’s number one cashflow planning tool.
CashCalc has created a bespoke branded video for all users which explains the very basics of cashflow planning to clients.