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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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Private Medical

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Private Medical Insurance (PMI)

What is it?

Private Medical Insurance is used to cover the cost of private medical treatment for curable short term medical conditions. Private medical insurance includes the cost of surgery specialist accommodation and nursing in a private hospital or in a private ward in an NHS hospital. Usually there are two types of private medical insurance - standard and comprehensive:

Usually PMI does not cover chronic or critical illness that cannot be cured for example multiple sclerosis, asthma or diabetes. However if there is an emergency they will pay for you the cost to be stabilised until you return to your previous level of health.

Why do I need it?

Here are some of the reasons why people consider health insurance:

Find out what's wrong: if you are unwell and you are referred to a specialist by your GP, you will normally be able to arrange a specialist appointment within a few days.

Get treated: if you do need any further tests or an operation, you can arrange this at a time and hospital convenient to you.

Facilities available: most private hospitals have access to up to date technology and will offer patients a private en-suite room, TV and a choice of food from a menu.

What are the types of benefits and exclusions will I expect?

All policies carry a list of general exclusions from cover and some companies exclude more or may place financial limits on certain benefits offered particularly benefits such as routine dental cover or maternity cover. The most common exclusions are:

In addition to any general exclusions, others may be applicable depending on the medical history of the family members you wish to include in the policy. If information on the application form names medical conditions that you or other family members have recently suffered from, often going back five years, an insurer may either qualify the cover offered or exclude such conditions from cover entirely.

How will we help?

When you contact us we will take your details, your health status and financial well being, then we will discuss which level of cover would be best for you depending on the information that you would give us. Then we will ensure that you are given the best quote possible by checking all the different providers.