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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>

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1:10 pm (8 hours ago)
Top German companies are told to ensure that 30% of supervisory board positions are held by women from 2016 under a law agreed late on Tuesday.
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A proposed £25m pay package for the new head of oil and gas giant BG Group is branded "excessive" and "inflammatory" by the Institute of Directors.
3:33 pm (6 hours ago)
European Commission President Jean-Claude Juncker gives details of a €315bn (£250bn; $393bn) investment plan to kick-start Europe's economy.
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Yesterday, 12:09 pm
The number of mortgages being granted by Britain's banks falls by 16% over the last year, according to banking industry body, the BBA.
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The elderly and the unemployed used to be most at risk of poverty, but a new report claims it is now the young and those in work who are most vulnerable.
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Royal Bank of Scotland apologised for giving incorrect evidence to a parliamentary hearing, letters released by the Treasury Committee reveal.
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The US economy grew much faster in the third quarter than first reported, official figures have shown.
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Taiwan's focus on developing high-tech and manufacturing industries saw many people migrate from its farms to its cities. Now, there is a reversal.
Yesterday, 6:30 pm
Two students who wrote a poem complaining to Tesco say they were "very impressed" to receive a reply - in verse.
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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 our 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.

We find Backhouse both conscientious, professional and great value for money delivering a first class claims service.

Paul Reyner, Fagan and Whalley