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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>

12:00 am (6 hours ago)
Investment in the UK's first new nuclear plant in decades is set to get final approval later on Thursday from the company financing most of the project.
Yesterday 8:10 pm (10 hours ago)
The US Federal Reserve decides not to raise interest rates, maintaining the ultra-low level they have been at since December 2015.
Yesterday 10:43 pm (7 hours ago)
Facebook announces another exceptional quarter of growth, with profit climbing 186% from this time last year.
12:00 am (6 hours ago)
Councils should be given the chance to resume their "historic role" as house builders to ease an affordable housing crisis, their lobby group says.
Yesterday 6:43 pm (11 hours ago)
Labour MP Frank Field calls for an investigation into working practices of courier firm Hermes UK, accusing the company of "hounding" its workers.
1:31 am (4 hours ago)
Strong smartphone sales help Samsung Electronics post its best quarterly results in more than two years.
2:17 am (3 hours ago)
Australian shares are higher after US central bank leaves rates on hold, while Japanese shares continue to be battered by yen strength.
Yesterday 3:00 pm (15 hours ago)
The UK economy grew by 0.6% in the three months to the end of June, as economic growth accelerated in the run-up to the vote to leave the EU.
Yesterday 12:37 pm (17 hours ago)
More than six million workers have now been signed up automatically to a pension savings scheme, but fears remain over how much is being set aside.
Yesterday 7:54 pm (10 hours ago)
McDonald's says it will create 5,000 new jobs by the end of next year, taking its total number of employees in the UK to 115,000.
Yesterday 9:28 am (20 hours ago)
Air France-KLM warns there is "special concern about France as a destination" as recent terror attacks weighed on sales in the second quarter of the year.
Yesterday 3:11 pm (15 hours ago)
AB InBev's planned £50bn takeover of rival brewer SABMiller remains under threat from the double threat of the Brexit vote and a UK court ruling.
Yesterday 12:38 pm (17 hours ago)
GlaxoSmithKline is to invest £275m into its UK manufacturing sites, saying the country remains "an attractive location" despite the Brexit vote.
Yesterday 2:39 pm (15 hours ago)
Workers in the UK have suffered the biggest fall in wages among the world's richest countries since the financial crisis, research suggests.
Yesterday 1:33 pm (16 hours ago)
A £344 million expansion programme at London City Airport is given the go-ahead by ministers.
Yesterday 4:48 pm (13 hours ago)
What's the most boring job you've ever had? How about sorting out nuts and bolts, waiting for plastic widgets on a production line - or manually deleting subscribers from a list?
Tuesday, 12:01 am
Drones delivering our shopping could become a reality across Britain, says the BBC's Transport correspondent Richard Westcott.
Tuesday, 5:06 pm
The journalist Sarfraz Manzoor mourns the end of the VHS video recorder.
Tuesday, 11:01 pm
For young people from poorer backgrounds trying to get work, it's often a case of who you know more than what you know, according to new research.
Tuesday, 2:07 am
General Motors puts on hold a planned $1bn (£800m) investment in India, as it reassesses its strategy in the country.
Tuesday, 12:13 am
How you dress can influence how people perceive you, but what should you be wearing to the office?
Sunday, July 24th, 11:51 pm
Former BHS owner Sir Philip Green should sign a "whacking huge cheque" to cover the hole in the BHS' pension scheme, Work and pensions committee chairman Frank Field tells the BBC.
12:19 am (5 hours ago)
Hinkley Point: What is it and why is it important?
12:01 am (6 hours ago)
A look at a new hostel in India, which claims to be the first in the country aimed specifically at people trying to set up their own businesses.
Yesterday, 12:05 am
There is no shortage of companies blaming Brexit for their bad news these days - from job losses to price rises - but is this just a handy excuse?
Yesterday 4:55 pm (13 hours ago)
Labour's Owen Smith says the UK is "rapidly becoming the sick man of Europe when it comes to workers' rights". Is he right?
Yesterday, 1:03 am
Every day hundreds of thousands of Britons put their coffee cup into a recycling bin. They're wrong - those cups aren't recyclable.
Yesterday, 12:03 am
The Trans-Pacific Partnership is one of the most ambitious free trade agreements ever signed. But why does it matter?
Yesterday 12:06 pm (18 hours ago)
There are strong social divisions in how young people use digital technology at home, according to international research from the OECD.
Tuesday, 12:13 am
Could sticking to the traditional suit at work hamper your career?
Tuesday, 12:05 am
The interconnectivity of people on social media means it is a perfect hunting ground for cybercriminals looking to do harm.
Tuesday, 12:02 am
The UK government's getting together with the retail giant Amazon, to start testing flying drones that can deliver parcels to your door.
Monday, 12:09 am
Whether your children are problems or prodigies, is it damaging to your career to talk about them too much in the workplace?
Monday, 12:13 am
How Gerry Cottle Jr went from being a trapeze artist in his dad's circus to setting up a popular rooftop cinema business.
Friday, July 22nd, 10:08 pm
What will Brexit mean for small towns in Poland that have seen their populations shrink as people left to live and work elsewhere in the EU?
Friday, July 22nd, 3:02 pm
The sister of missing Malaysia Airlines captain Zaharie Shah tells the BBC about her brother's disappearance, and why the story of MH370 must live on.
Friday, July 22nd, 12:09 am
As publishers struggle to attract eyeballs in the face of increasing competition from online content, can artificial intelligence help them?
Thursday, July 21st, 12:23 am
A look at the booming private security industry in the Central American country of Guatemala, where an average of 13 murders are committed every day.
Thursday, July 21st, 12:10 am
Three years have passed since Yahoo bought micro-blogging site Tumblr, but it is not the goldmine it once hoped.
Wednesday, July 20th, 1:24 pm
A lower cost base and partnerships with western universities is helping South Africa to develop online courses for students around the world.
Tuesday, July 19th, 1:31 am
Could F1 and aeronautical tech help Sir Ben Ainslie's 'flying' catamaran win the America's Cup?
Tuesday, July 19th, 12:10 am
Australia has been described as "the lucky country", but is it entrepreneurial spirit or abundant resources that has driven its success?
Tuesday, July 19th, 12:05 am
Google has made headlines for its forays into healthcare but what is its ultimate goal?
Tuesday, July 19th, 3:41 am
The former Chancellor George Osborne peppered media interviews with references to the "Northern Powerhouse" but what's next for the project since his departure?
Friday, July 15th, 12:02 am
Technology that makes audiences feel like they are in the movie, rather than just watching it, is helping cinemas sell more tickets at higher prices.
Monday, July 18th, 4:24 pm
ARM's technology is at the heart of millions of smartphones and tablets - but the company's inventions are used wider still.
Sunday, July 17th, 10:22 pm
A profile of Asian businessman Chatri Sityodtong who made his fortune on Wall Street before setting up fast-growing televised martial arts tournament., One Championship.
Friday, July 15th, 10:19 pm
Food, clothing and electrical items are likely to rise in price as a result of Brexit - but bills may not go up until next year
Thursday, July 14th, 4:28 pm
It's early days for Pokemon Go, but some believe the app marks a turning point in mobile video games.

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