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.
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 Independent Financial Advisers 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.
Stocks and Shares Advice
What are stocks and shares?
Stock is ownership, or equity, in a company. Investors buy stock in the form of shares, which represent a portion of a company's assets and earnings (capital).
As a stockholder, the extent of your ownership (your stake) in a company depends on the number of shares you own in relation to the total number of shares available.
Stocks in publicly traded companies are bought and sold at a stock market. You can buy a share in a stock when a company first decides to trade itself on the stock market - that is, at flotation or privatisation; or you can buy through the stock market once the shares are in circulation and being traded.
What is the risk?
Investing in stocks carries an element of risk because prices can go down as well as up. The price of stocks is a function of demand, which is based on investors' perceptions of the company's future earnings prospects. The choice of a stock's income or growth is usually a question of the investor's attitude to risk.
What will we do?
We can help you to assess your goals and attitude to risk, ensuring that you make the right decisions for your investments.