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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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NICHE SPORTS

Niche Sports provides all aspects of financial planning for sports professionals, including on pension advice, current accounts, savings and investments, mortgages, image rights and retirement planning.

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Insurance

INSURANCE

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Income Protection

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

Income Protection insurance

What is it?

When you take out Income Protection insurance, you are covered if you are incapacitated and unable to work due to illness or accident. This policy was formerly known as the Permanent Health insurance.

How much do you get if you are unable to work?

Income Protection payouts are usually based on a percentage of your earnings: 50% to 70% of your wage is what you would expect to get. Payments are tax-free.

IP policies only pay out once a pre-agreed period has passed, generally ranging from one to 12 months after you put in a claim. The longer the 'deferral' period you choose, the lower your premiums. The default deferral period tends to be 13 or 26 weeks.

Why would you need income protection?

With research provided by Unum and Personnel Today, it showed that only 12% of employers support their staff for more than a year if they are off for more than a year. With the lower amount of income from the government, income protection would give you enough of a wage to keep yourself afloat until you were able to get back to work.

What are the benefits to Income Protection insurance?

What are the restrictions?

What are the different types of cover I can get?

In addition to standard fixed-premium Income Protection insurance policies there are a number of variations available from some different offices:

What will we do?

When you contact us, we will arrange a meeting so we can establish what level of cover is best suited for you. Once we have discovered that we will go directly to the various providers to find out who can give you the best possible deal for your cover.