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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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Pensions & Retirement

PENSIONS & RETIREMENT

Overview

SIPPs Workplace Pensions Enhanced Annuities Pension Tidy Up Pension Transfer Pension Changes 2015

Pension & Retirement Planning

Pension Advice Specialists

Niche IFA's financial advisors are Pension Advice Specialists. We can provide you with pension advice in areas which other advisers simply aren't qualified to advise in. Whether you want to check the status of your pension or you want to retire early, an independent financial advisor can help you with your decision.

Before retirement

How much? We can help you to decide how much you should be putting in to your pension. We can also help you to ensure that your pension contributions are tax efficient; remember, the Government provides income tax relief on contributions you make to your pension.

Several pensions? Most people have several different jobs in their lifetime and therefore their pensions can be scattered around with different companies. We can review your existing pension arrangements to establish how much you have got saved and what they will provide you with when you retire. Then, if it looks like your pensions will fall short of what you will require, we can help you correct this. Find out more about our Pension Tidy Up Service.

Can my pension work for me? You may not want to retire yet but instead require capital for a business venture. You can use your pension to help you fund a particular project and this is something we can help you with.

At retirement

We know that if you are at retirement age now, pension companies can provide you with a lot of paperwork about the pension they are offering you, which might be difficult to understand. You might be able to get a better deal elsewhere if you shop around, especially:

We can help you to establish the best option when you are looking to retire. Click here to request a no obligation call back from us to see if there is a better deal available for you.

You should also be aware that you can take some of your pension as a tax free lump sum. This could be used for any number of things, paying of your mortgage for instance, or scaling back your working hours.

For more complex pensions you may require SIPP advice.

For more information on annuities click here.

Whatever your situation is, we can help.