Our Services

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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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Services to Retiring IFAs

We could buy your client bank...

We are a firm of Chartered Financial Planners with a team of highly qualified and knowledgeable advice givers, alongside an experienced and motivated team of support staff. This has resulted in Niche providing one of the most efficient and consistent services to all of our clients.

With this in mind, we have the capacity to increase our business and look after a considerably larger “bank” of clients without reducing the quality of our service.

As part of our ongoing service, we usually provide the following to our clients:

As many of our colleagues in the industry are finding it increasingly difficult to keep up with the regulatory and qualification requirements set by the FCA, we feel that we are perfectly positioned to help these advisers transition away from the industry without financial detriment, whilst continuing to provide an excellent service to their loyal clients.

The purchase

We feel that making a lump sum payment for a client bank is not the most efficient or cost effective way of integrating your clients and that a phased handover over a 3 or 5 year period is far superior and more beneficial for all parties involved including the clients in question.

Therefore, Niche are willing to offer retiring/departing IFAs up to 90% of ongoing trail income for up to 5 years whilst you transition away from the industry – safe in the knowledge that your clients will be in good hands.

In addition there is further potential for introductory rewards based on successful introductions to your clients. Fees received as a result of your introduction could be negotiated to result in a financial incentive for you.

We will gradually integrate your clients to our services preferably with a handover during the transition period that will make your clients comfortable that the new adviser has been carefully selected by you in order to look after their interests.

If you feel that an arrangement with us would be beneficial to you and your clients then please feel free to contact us and we will be happy to discuss the options available to you.


Services to other professionals

As Chartered Financial Planners, we understand what it means to provide a professional service to our clients. From time to time we come across a client who requires more than financial advice and we have developed working relationships with other professionals who might be able to better assist our clients.

Likewise, many of these professionals find it beneficial to refer their clients to us for financial advice. We can provide expert witness services to other professionals in circumstances where an independent third party is required. We have previously produced expert reports for advice complaints and for cases in divorce. We are affiliate members of Resolution and provide specialist advice in relation to divorce Therefore, we are always happy to talk to like-minded individuals, to provide the best advice for the client.

Amongst the professionals we regularly deal with are:

You may wonder why other financial advisers would ask us for advice. The majority of the time it is because Ray is a pension specialist and amongst the qualifications he holds is the G60 pensions qualification. This allows him to arrange pension transfers for an occupational pension scheme.

Many advisers do not have the technical knowledge, or time to expand their knowledge, to provide this kind of advice which is why they come to us.

Please feel free to contact us (01633 859 555) if you feel that you or your company may benefit from working with Niche as we are always happy to discuss forming a working relationship.