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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

Annuity Advice

Open Market Option

The annuity market changed considerably at the 2014 budget, however an annuity may still be the best product for many clients.

By shopping around the whole of the annuity market we could help you to get over 40% more income than that offered to you by your current provider.

You undoubtedly have spent many years saving for your retirement trying to build a reasonable pot of money in order to maintain your lifestyle in retirement. But it must not be forgotten that in order to maximise your retirement income you should always research the whole of the market to ensure that you get the very best income from this pot. Research has shown that over 60% of people approaching retirement could get up to 40% more pension income just by shopping around.

In the lead up to your retirement, it is highly likely that you’ll receive lots of marketing material from your current pension provider, encouraging you to purchase your annuity with them. In many cases, people assume that it is compulsory to take your annuity with your pension provider, but this is simply not the case.

It is your right to exercise the Open Market Option, and we can help you do exactly that.

Enhanced Annuity

Most people do not realise that they could receive more income from their pension annuity if any aspect of their health or lifestyle could reduce their life expectancy.

And you don't need to have a major health complication in order to qualify for an enhanced annuity rate.

If your answer is YES to any of the above, you may be eligible for an enhanced annuity! If not, let us check your postcode as this could still allow you access to a better income in retirement.

Occupational Pensions

If you have an old occupational/final salary pension, you may have been informed that you cannot retire before age 60 or even 65 without a considerable reduction. However it must be noted that you can retire anytime after the age of 55, even if your current provider does not allow you to do so, we may be able to help you to take your pension now. By purchasing an annuity with another provider you may be able to access your tax free lump sum and begin taking a pension income now.

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.