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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 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, 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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Financial Advice

FINANCIAL ADVICE

Overview

Client Case Studies

Niche client case studies

We have put together a selection of client case studies which show how we have been able to really turn our clients' situations around and set them back on track. It can often be hard to relate to a service or understand how it could be applied to your situation, but we hope that these personal stories will help to make this easier.

Pension consolidation

Ms Carol Jones, age 48

"When I contacted Niche I was confused about how much my pension would be worth when I retired. I had saved in four different schemes but I found it hard to keep track of what contributions I had made and what my annual statements meant in 'real terms' - would I have enough money in retirement?"

View case study as a PDF

Pension review

Mr David Hughes, age 52

"I contacted Niche because I wanted to review my pensions and make sure they were all sorted out. I wanted to know how much I had, how it was doing and whether I would be able to retire early."

View case study as a PDF

Pension tidy-up

Mr Glen Philips, Age 52

"I contacted Niche because I was looking to sort out my pensions. I had moved jobs several times and always paid into the company schemes which were available. I also set up a personal pension while I worked at a small company with no workplace scheme. Saving for retirement was always something that I was conscious of. I felt it was very important and definitely something I needed to do, but I didn’t realise what a mess all my scattered plans would seem reaching the end of my working life. I didn’t know how much all my pots were worth and all the paperwork was too confusing to sift through”

View case study as a PDF

Pension transfer

Mr Alan Jenkins, Age 49

"Last year I had a big sort out and was trying to get my paperwork in order. Flicking through my pension statements, I was surprised to see that my pension value had gone down. I was unsure why this was, and so I contacted my provider. They explained that my pension had been invested and that, as with all investments the value could go down as well as up. I was annoyed that my pension savings had been damaged in this way, as I thought that they were safe. I decided to find out how I could improve my pension, and that is when I found Niche"

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Retirement Planning: Setting up a Pension

Mr Dave Evans, Age 44

"I read an article in the newspaper last year which said that one in four people would be retiring in poverty. It was a turning point for me. I've run my own business for fifteen years, and every spare penny I’ve had has always gone straight back into in - it's my pride and joy; but after reading the article I took a step back and thought about myself for a second. I hadn’t paid into a pension as I felt I couldn’t afford it and that my state pension would be enough to cover me. I also thought of my business like a pension plan - if I wanted to retire, I could just sell my company. However, I would not be able to keep living the same way on the basic rate of state pension. I didn’t want to work until I was 65 and I had no other backup plan pension-wise if my business when under. Niche really helped me get back on track"

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Retirement Planning: Pension Top Up

Mrs Jenny Llewellyn, Age 47

"I had been paying into my personal pension for over twenty years, but I had never really thought much about it. One of my colleagues was approaching retirement and discovered that she had not saved enough. She was facing the prospect of an extra six years of work or retiring in poverty. This prompted me to get my pension looked at. I did not want to find myself in the same position as her. I had kept all of my pension paperwork, but it was too confusing to go through it all myself. I contacted Niche and they told me that they could help"

View case study as a PDF

Setting up a SIPP: Commercial Property Purchase

Mr Nick Lewis, Age 48

"I was referred to Niche by my accountant. My business had been doing well and we were looking to take on new staff. However, we needed bigger premises in order to do this. I was renting a small office unit, but had looked around and found other locations that I felt would suitable - with enough extra space for our planned expansion. An acquaintance had also recently told me about how his pension was invested in a SIPP. I did some research and discovered that this kind of pension could be used to purchase commercial property, which I felt would be beneficial for my business"

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Setting up a SIPP: Online Convenience

Mr Steve Davies, Age 45

"I came to Niche looking to get my pension under control. I had several different schemes from throughout my working life and it was difficult to keep track of them. I wanted them to be more organised and make sure that they were performing well. It was frustration things that my provider could be damaging my savings through bad investments, but only contacting me once a year with confusing paperwork and statements"

View case study as a PDF