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WHAT WE OFFER

Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.

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IFAs

While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.

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MORTGAGES

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.

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FINANCIAL ADVICE

When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.

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SAVINGS & INVESTMENTS

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.

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TAX PLANNING

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.

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PENSIONS & RETIREMENT

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.

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ESTATE PLANNING

Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.

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EQUITY RELEASE

Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche IFA are regulated by the FCA to advise and sell equity release products.

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INSURANCE

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.

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LONG TERM CARE

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.

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SERVICES TO OTHER IFAs

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.

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CASHFLOW PLANNING

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.

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CASHFLOW PLANNING

Overview

How can it benefit me? How can we help?

Cashflow Planning

What is Cashflow Planning?

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.

Example Cashflow

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.