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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 tidy-up

Multiple pensions?

Many people have several pensions scattered about, usually of varying sizes, types and with different providers – simply as a result of changing jobs.

It can be hard to know exactly what you have, and in some cases, people lose track of old pensions completely. We can help you to get your pensions organised and to keep on top of them.

We will review all of your pension arrangements, even those you are unsure about. We can help you trace lost pensions, and also look at any ‘frozen’ pensions.

We will then compile a simple report, giving you a clear breakdown of all your pension plans. It will outline...

We will also let you know whether you would benefit from transferring your pensions into a single plan, which providers offer the best deals, and how much better off you would be if you went ahead with our recommendations.

This initial report and consultation is free and there is no obligation to pay for our full service.

It could be beneficial to transfer multiple pensions into a single plan, allowing you to keep track of them more easily and also potentially pay less in charges. However, in other cases it is better to leave your pensions in multiple small pots.

We are specialists in our field and you can trust us to give nothing but the best advice, tailored to you personally. The legislation surrounding pensions is often complicated, but we have a full understanding and can ensure that you do what is best for your retirement.

Even if you choose not to go ahead with our recommendations, the free report will give you a useful overview of your plans without the hassle of having to hunt through all your paperwork. You have nothing to lose, and perhaps a lot to gain!