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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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Insurance

INSURANCE

Overview Whole of Life Home Relevant Life Cover Private Medical Key Man Income Protection

Family Income Benefits

Decreasing Mortgage Cover Critical Illness Cover Contents Insurance Accident, Sickness and Unemployment Cover

Family Income Benefit

What is Family Income Benefit?

Family Income Benefit is a life insurance policy that pays an income to dependants on the death of the insured. The income is payable for the remainder of the policy term.

These policies are suitable for people with young families who wish to protect against the loss of income provided by either or both parents. On top of the normal cover you can also add critical illness cover, this protects your family if you are taken ill with a serious condition.

How does it work?

If you choose a Family Income Benefit Life Insurance policy your dependants will receive an annual income from the time you die to the end of the policy term.

The income is tax free and the money from your life insurance payout can be used for whatever purpose your dependants require. Premiums can be paid monthly or annually by direct debit from your bank account.

Why purchase Family Income Benefit insurance?

If you were to pass away unexpectedly then you will be leaving your family without a major source of income. So family income benefit is set up so that even if the worst should happen that your family will remain to be looked after by you.

How can we help?

If you call us about family income benefits we will help you through deciding what level of cover you should have. We will then go directly to all the different providers to get quotes on who can give you the best offer.

Once we have narrowed down all of the providers and their offers we will help you each step of the way to make sure that all of the paperwork is completed without any issues.