COMMERCIAL SERVICES

We can help protect your business, click here to discover our range of comemercial services.

Pensions and Investments Advice

Pensions and Investments Advice

Through our sister company, Backhouse Independent Financial Services Ltd, Backhouse has been providing pension and investment advice for over 35 years, both locally and nationally.

We offer a bespoke service through our Private Client division, to both personal and business clients.

Our qualified and experienced advisers review the whole market place, offering impartial and independent financial advice.

We take the time to get to know you, listening to your objectives, reviewing your personal and financial circumstances, identifying shortfalls and ascertaining you attitude toward investment risk. After analysing this data, we research the markets and prepare your financial plan, making recommendations from what can be seen as a daunting array of products, our advisers will select the right pension or investment to attain your goals.

Once your plan is in place, Backhouse offer a regular review, to discuss, tweak and review its performance whilst also taking into account any changes to your own personal circumstances. In fact, ongoing communication is fundamental in ensuring that your goals remain in clear focus.

Please contact us for friendly and professional advice on:-

  • Stakeholder & Personal Pensions

  • Self-Invested Personal Pensions (including commercial property purchase)

  • Occupational Pensions

  • Unsecured & Alternatively Secured Pension Income  

  • Annuities

  • Individual Savings Accounts (ISA’s)

  • Collective Investments (OEIC’s and Investment Trusts)

  • Investment Bonds

  • Deposit accounts

For more information please contact Martin Edwards on 01282 677776

To view our Private Client Brochure please click here>

Yesterday 11:15 pm (10 hours ago)
Budget airline Monarch receives a temporary extension to its licence to sell package holidays and says it has secured "significant" new investment from shareholders.
Yesterday 10:37 pm (11 hours ago)
An increase in Insurance Premium Tax (IPT) which takes place on 1 October amounts to a "raid" on consumers, the industry says.
Yesterday 10:57 pm (11 hours ago)
Four of the UK's largest energy companies have been barring their own customers from some of the best deals for gas and electricity, the BBC's Moneybox learns
Yesterday 5:30 pm (16 hours ago)
After troubled Deutsche Bank's shares hit another record low, the chief executive sends an email to reassure staff that the bank's finances are strong.
Yesterday 3:33 pm (18 hours ago)
BT condemns "excessive" new business rates, which it says will push up the cost of broadband services.
Yesterday 11:02 am (23 hours ago)
The UK services sector grew much more strongly than expected in the wake of June's vote to leave the European Union, latest figures show.
Yesterday 3:08 pm (18 hours ago)
People in their early 30s are "half as wealthy" as those now in their 40s were at the same age, a report by the Institute for Fiscal Studies finds.
Yesterday, 9:07 am
Housebuilders should get on and build more houses, the Nationwide Building Society has declared, as prices continue to rise.
Yesterday, 2:09 am
The boss of Nissan warns that Brexit uncertainty and possible tariffs could damage investment in the UK's biggest car factory.
Yesterday 11:08 am (22 hours ago)
The energy supplier E is to be investigated by the regulator Ofgem for potentially misleading its customers.
Yesterday, 9:13 am
Royal Bank of Scotland is renaming its investment bank NatWest Markets as part of its separation from the bank's High Street operations.
Thursday, 10:41 pm
John Lewis boss Andy Street, who calls himself a "proud Brummie", is chosen as the Conservative candidate to run for West Midlands mayor.
Yesterday, 8:56 am
Supermarkets in the UK deliberately overproduce in-store baked bread to keep shelves full as a marketing ploy, food waste charities claim.
Yesterday 5:19 pm (16 hours ago)
London's FTSE 100 eased back from a fall of more than 1% to close down by 0.34% at 6,895.8 points.
Thursday, 5:17 pm
International Trade Secretary Liam Fox says he wants the UK's trade with the European Union to be "at least as free" after Brexit.
Yesterday 10:45 pm (11 hours ago)
Charity campaigns urge people to give up smoking in October but money can be saved by cutting out other unnecessary extras, an advice service says.
12:09 am (9 hours ago)
South African tattoo artist Sibusiso Nkabinde talks about the challenges he faced setting up his studio in Soweto.
Yesterday 4:31 pm (17 hours ago)
The closure of companies in Saudi Arabia has left thousands of Indian workers without jobs.
Yesterday 12:52 pm (21 hours ago)
The BBC's Theo Leggett has been taking a look at some of the car manufacturers' latest electric concepts at the Paris Motor Show.
Yesterday 2:29 pm (19 hours ago)
Import restrictions in Zimbabwe have seen traders resort to smuggling in goods over the border.
Yesterday 12:34 pm (21 hours ago)
Colm O'Regan looks at the implications of Brexit for Irish workers who cross the border on their daily commute.
Thursday, 5:13 pm
Nissan Renault boss Carlos Ghosn warns that Sunderland plant would lose competitiveness if Brexit results in 10% tariffs on car exports.
Thursday, 4:10 pm
Following the UK's vote for Brexit, Japanese car manufacturer Honda reaffirms its commitment to the UK as a major manufacturing base., but says it wants a "fast decision" on Brexit.
Yesterday 2:27 pm (19 hours ago)
Pinewood Studios, which opened its gates in 1936 to compete with Hollywood, is celebrating 80 years of filmmaking.
Thursday, 5:18 pm
Has the UK really sold tea to China, wine to France and boomerangs to Australia?
Yesterday 10:42 pm (11 hours ago)
The oil producers' group OPEC agreed a preliminary deal on Wednesday to reduce supply. The decision at a meeting in Algiers marks the first time in eight years that OPEC's members have agreed to cut production, and oil prices rose on the news. But will the deal hold?
Yesterday 11:12 pm (10 hours ago)
Why Barelona and Spanish international footballer Iniesta spends his spare time helping to make wine.
Yesterday 10:46 pm (11 hours ago)
Gardeners rely on month-by-month tips to help their garden grow, but how can you ensure your finances bloom in 2016?
12:11 am (9 hours ago)
Journalist Didi Akinyelure looks at a fresh crop of young, enterprising men and women who have more reason than most to celebrate Nigeria's 56th year of independence.
Yesterday 10:55 am (23 hours ago)
Deutsche Bank is under the most pressure a major lender has faced since the financial crisis, but many trace its woes back beyond the banking crash.
Yesterday, 12:03 am
Businesses in property hotspots are about to see their rates rise, whilst those in areas where property prices have fallen will see their bills go down.
Yesterday, 12:03 am
The Russian government has been giving away free land in the Far East of the country. The scheme has been rolling out - but not without its problems.
Yesterday, 12:04 am
Business email fraud is on the rise, with fraudsters persuading staff to pay bogus invoices and make wire transfers under false pretences. Can tech foil the fraudsters?
Thursday, 12:25 am
Tourists continue to flock to the UK after the Brexit vote, but could an exit from the EU have long-term ill-effects on tourism?
Thursday, 12:09 am
A look at continuing efforts to reduce the water and energy needed to cool the world's data centres.
Wednesday, 1:33 am
China's desire to become a footballing superpower could provide a big business opportunity for British firms and clubs.
Wednesday, 11:14 am
With big name brands like Ford, Volvo, Rolls Royce, Bentley, Lamborghini and Aston Martin staying away from this year's Paris Motor Show, should the organisers be getting worried?
Wednesday, 1:35 pm
The child of two Holocaust survivors talks about being the keeper of their memories – and projects working with children of survivors of massacres in Rwanda and Bosnia talk about the impact handed down through families.
Tuesday, 3:55 pm
Adverts claiming to understand the experiences of modern women can be a risky strategy. Here are five very different campaigns that consumers either loved or hated.
Tuesday, 10:58 am
What is third-party ownership and why is it banned in football?

PRESSURE SYSTEM FAILURE LEADS TO LARGEST EVER CORPORATE MANSLAUGHTER FINE

An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.

HEALTH AND SAFETY (FEES) REGULATIONS 2012

New UK Legislation enabling the HSE to charge a Fee for Intervention (FFI)

What is FFI? 

Increased squatters risk in commercial properties
From 1st September squatting in residential buildings in England and Wales became a criminal offence

IS IT TIME TO REVALUE YOUR JEWELLERY

At present we are all seeing many articles and commentaries in the press and TV regarding the price of gold, silver and diamonds on a seemingly upward trend in cost.This is very true as you can see from the attached graph showing gold and silver over a two year period.

THEFT OF HEATING OIL

The cost of heating oil has increased significantly recently, resulting in more thefts of oil from both domestic and commercial properties.

The first indication that a theft has taken place is often when the heating stops working.

OVERVIEW – 2011

Rate reductions are still possible for clients for property and liability insurance.  Abundant capacity and competition between Insurers are preventing increases, other than where there has been poor claims experience on individual accounts or within specific sectors.

DO YOU HAVE DIRECTORS AND OFFICERS INSURANCE?

The first Corporate Manslaughter Prosecution has been successful in the United Kingdom.

It is more important than ever to ensure that your Managers, Directors, Officers as well as the Company have cover in place to protect them.

CHANGES TO THE MOTOR INSURANCE DATABASE

From 2011 if your vehicle is not registered on the MID and has not been declared as 'Off-Road' you will receive a letter warning you that you could face a fine, prosecution as well as your vehicle being clamped, seized or ultimately destroyed.

IMPORTANT CHANGES TO EMPLOYERS' LIABILITY INSURANCE FROM 1ST APRIL 2011

With effect from 1st April 2011 the Employers' liability Tracing Office (ELTO) will be introduced.

The purpose of the ELTO is to assist the insurance industry in meeting its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently.

We have since 2008 used Backhouse to place all our insurance risks, their unique approach to our tender process was one of the major factors behind placing out trust in Backhouse. They took the trouble to research our business carefully and brought to our attention areas of cover that had never been considered before.

Paul Reyner, Fagan and Whalley