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.
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.
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.
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.
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.
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.
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.
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.
Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche IFA are regulated by the FCA to advise and sell equity release products.
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 IFA, we can help decide what type and level of insurance is suitable based on your current situation.
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.
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.
Here at Niche IFA, we have developed a widely-used online suite of financial planning tools called CashCalc. CashCalc includes a cashflow modeller which we make use of to provide you with a closer look at your current financial situation and potential future.
Self-Invested Personal Pension (SIPP)
Niche Independent Financial Advisers are specialists in complex pension matters and a key area for many of our clients is the ability to utilise a Self Invested Personal Pension or SIPP in order to widen their investment options.
A SIPP has the ability to invest its assets into an array of different solutions namely:
- Stocks and shares quoted on an HMRC recognised Stock Exchange
- Securities listed on the Alternative Investment Market (AIM)
- Deposit accounts
- Trustee investment bonds
- Fixed-interest securities
- Futures and options
- Unit trusts & investment trusts
- Traded second-hand endowments
- Commercial property (though not residential property)
- Open-ended investment companies, including hedge funds
- Intellectual property
- Unlisted shares
We have a vast experience in using SIPPs to provide innovative solutions for small businesses and experienced investors.
A key area of the use of SIPP’s is the ability to purchase Commercial Property. This allows pension investors a unique way of raising funds to purchase a commercial property without the need for bank lending or at least a reduction in the amount required from your typical high street lender whilst dramatically reducing the risk to your business. Investment in a commercial property produces a rental income and in addition, often benefits from growth due to the increasing value of the property in question therefore offering a novel yet very tangible investment option.
In addition, if you run a successful business but require an injection of funds, the ability for a SIPP to purchase shares within a small company may be the added boost required to get a new project off the ground. Your pension then benefits from the same advantages as any other share purchased with the potential for dividend payments and growth as your company improves.
Contact us to find out how we could help you to make better use of your pensions.