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 or email me@backhouseifs.co.uk

To view our Private Client Brochure please click here>

1:43 pm (47 minutes ago)
The Labour Party is looking to sever its links with the troubled Co-op Bank, bringing to an end one of the oldest political partnerships in the UK.
2:09 pm (21 minutes ago)
General Motors sees first quarter profits hit by a $1.3bn charge to cover the cost of a huge recall of cars over defective ignition switches
1:47 pm (44 minutes ago)
Standard Life Investments, a key institutional shareholder, votes against Barclays' plan to award higher bonuses to bankers despite a 30% fall in profits.
11:03 am (3 hours ago)
Social networking giant Facebook reports better than expected profits, as a surge in mobile advertising helps boost its revenues.
1:54 pm (36 minutes ago)
Unison is to ballot local government workers and school staff in England for strikes after members rejected a 1% pay offer, the public sector union says.
Yesterday 11:23 pm (15 hours ago)
Technology giant Apple plans a share buyback after it reports profits of $10.2bn, selling a more than 43 million iPhones in the second quarter of 2014.
11:03 am (3 hours ago)
Ulster Bank, a subsidiary of RBS, reports problems with its computer systems, as some customers are debited twice for cash machine withdrawals.
12:33 pm (an hour ago)
UK carmakers increased production in March, helped by demand from Europe and after a number of firms finished upgrading their plants for new models.
11:18 am (3 hours ago)
Shares in French engineering company Alstom jump after a report that US multinational General Electric is in talks to buy Alstom for $13bn.
7:50 am (7 hours ago)
The Scottish government disputes UK government claims about future pension costs in an independent Scotland.
9:25 am (5 hours ago)
AstraZeneca posts a drop in first quarter profits but does not comment on reports that it received a takeover approach from US firm Pfizer.
11:37 am (3 hours ago)
Con artists are using the Green Deal energy efficiency scheme as cover to cheat cash out of householders, Citizens Advice has claimed.
10:59 am (4 hours ago)
The owner of Hovis and Mr Kipling cakes, Premier Foods, reports a drop of more than 6% in first quarter sales.
1:06 pm (an hour ago)
Well-received updates from AstraZeneca and Anglo American help to push the FTSE 100 higher.
11:42 am (3 hours ago)
The Conservatives say they will not subsidise new onshore wind farms if they win the 2015 general election.
7:33 am (7 hours ago)
South Korea's economy grows more than forecast in the first quarter, helped by a jump in construction and exports.
Yesterday, 1:43 am
Businesses in the Highlands have been offered free advice on how they can cash in on the Loch Ness Monster myth.
Tuesday, 12:36 pm
Small print on some car insurance policies has a higher word count than George Orwell's novel Animal Farm, a consumer website has found.
9:04 am (5 hours ago)
A study says the public cost of higher university fees and loans is "highly uncertain" and depends on how much future graduates will earn.
Yesterday, 10:39 am
UK property sales were 19% higher in March than the same month a year ago as buyers continued to return to the market, figures show.
Yesterday, 11:21 am
Thousands of people in London are living in hidden homes - often in disturbing conditions - because they cannot afford to live elsewhere.
Yesterday, 1:11 pm
The UK government borrowed £107.7bn in the financial year to April 2014, lower than the amount it borrowed the previous year.
Yesterday 6:24 pm (20 hours ago)
Portugal's chances of exiting its three-year bailout rose after yields on its 10-year government debt fell sharply to an eight-year low of 3.58% at a bond auction.
Yesterday, 1:03 pm
EU member countries have cut new government borrowing, but total debt continues to rise, European Commission figures show.
Tuesday, 12:33 am
Most companies have value statements, but what can chief executives do to ensure they add meaning and are more than rhetoric?
Tuesday, 8:50 am
The BBC's Jane O'Brien profiles US-Somali investor Mohamed Ali, who returns to his African homeland to help businesses to grow and prosper.
Sunday, April 20th, 1:13 am
Some of the UK's most successful entrepreneurs talk to the BBC about how to succeed - and share some of their biggest mistakes.
1:54 pm (37 minutes ago)
Formula 1 boss Bernie Ecclestone denies charges of bribery at the start of his trial in Munich and says he will fight to clear his name.
Yesterday 9:01 pm (17 hours ago)
Liverpool plan to redevelop parts of Anfield to increase the ground's capacity to around 59,000.
Yesterday, 2:28 pm
The Football Association was hit by a £34m drop in broadcasting rights income last season compared with 2011-12.
2:17 pm (14 minutes ago)
Many survivors of the Rana Plaza factory collapse in Dhaka are still waiting for compensation after the tragedy in 2013 that killed 1,129 workers.
3:39 am (11 hours ago)
A potential free trade deal called the Trans Pacific Partnership is being seen as key to boosting growth in the Asia-Pacific region. But it has raised some questions about the impact on US jobs.
10:58 am (4 hours ago)
The chairman of Saracens rugby club, Nigel Wray tells BBC Extratime he is worried that players might go elsewhere if English clubs are unable to compete financially with international clubs.
2:34 am (12 hours ago)
Keith Lostaglio of consultants A T Kearney tells the BBC what is behind GlaxoSmithKline and Novartis's deal.
Yesterday, 12:02 am
UK banks are expanding their use of mobile branches. Brian Milligan reports on the new banks on wheels.
Yesterday, 9:53 am
US President Obama is embarking on a week-long tour of Asia, with the Trans-Pacific Partnership trade deal high on the agenda.
Yesterday, 11:50 am
BBC Newsnight's technology editor David Grossman explains what impact a "second machine age" will have on our society and economy.
Yesterday, 12:16 am
A woman pioneer in the digital space talks about using technology to create acting opportunities that wouldn't otherwise exist.
12:09 am (14 hours ago)
The unlikely debt capital of Britain
Yesterday 8:00 pm (18 hours ago)
Firms ditching the US and Europe for tropical paradise
12:16 am (14 hours ago)
Can energy grids cope with higher demand and volatile supply
Yesterday 9:57 pm (17 hours ago)
Survivors recall Rana Plaza disaster one year on
Yesterday, 12:03 am
The old technology bringing your bank branch to you
Yesterday 6:04 pm (20 hours ago)
But success in the markets won't placate protesters
Yesterday, 12:12 am
Are investors calling time on tech stocks?

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