• Life Assurance Cover
• Critical Illness Cover or Income Protection
• Mortgages
• Investments
• Retirement Planning
• Retirement Income
• Inheritance Tax Planning

If you die before retirement

To ensure your family is adequately protected in the event of your death you need to check the following points:
• Are your existing plans sufficient to enable your family to maintain it’s standard of living adequately?
• Are you paying a competitive premium rate for your own policies? Our experience and market knowledge can help you make sure you get the very best value for money.
• Will the proceeds of company benefits and private policies be paid to the right people in the most tax efficient manner?

If you are seriously ill or disabled before retirement

We can, where necessary, arrange the right income protection insurance for your needs on the most competitive terms which will:
• Pay you a continuing income while you are medically unfit for work.
• Provide a lump sum to help you make adjustments to your home and your lifestyle if you are diagnosed with a serious medical condition.

Your home

Your home is likely to be the most significant asset you will own. The Hughes Mortgage Service will cater for all aspects of home ownership including:
• Buying your first home
• Moving home – buying a second property
• Borrowing to improve your home or consolidate debts
• Remortgaging to get the most suitable deal
• Referrals to other professionals involved in the process

** Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
** There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £250.

Your savings & investments

These days you face an overwhelming choice of savings and investment products.
As independent financial advisers we can help you make the right decisions to meet your financial planning objectives:
• Improving your savings rates
• Using your tax efficient allowances (ISAs etc)
• Funding children through education
• Investing for your future
• Generarting Income in retirement

Your pension arrangements

With its attractive tax benefits any pension plan is likely to be one of the most important investments to build wealth for the future. The following may help you to get maximum value for money from your arrangement:
• Have you reviewed how well your investment choice matches your attitude to risk and meets your retirement objectives? Our risk profiling service helps you make informed and confident decisions.
• Are you on target to achieve your desired retirement income? Setting the right level of contribution is of vital importance. We can advise on this important aspect and help you keep track of exactly how your retirement prospects are progressing
• We help you carry out reviews of past and present schemes to ensure that the prospective benefits from all your arrangements are organised in such a way to keep you on target to reach your required retirement income. You may wish to consolidate your pension arrangements where this will improve efficiency and performance, and reduce costs.

Your Retirement options

When you come up to retirement we can help you:
• Draw income from your pension funds in the most effective way
• Obtain the best rate in the market if you want the security of a guaranteed income provided by an annuity.
• Help you structure your savings and investments to provide a regular tax efficient income.

Preserving your estate

Once you have secured your own financial future, you can turn your attention to ways that help protect your assets for future generations and avoid unnecessary taxation. The rise in house prices alone has brought many more people within the scope of Inheritance Tax (IHT). If you have savings and investment you could expose your heirs to a potentially high tax bill.
We can show you how to use the various exemptions and reliefs to help mitigate this tax and keep your estate intact.