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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 or email me@backhouseifs.co.uk

To view our Private Client Brochure please click here>

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Yesterday 3:35 pm (11 hours ago)
Scottish government agencies Scottish Enterprise and Visit Scotland have quit business lobby organisation CBI after it formally backed the campaign against Scottish independence.
2:33 am (27 minutes ago)
Japan's trade deficit quadruples in March as export growth slows and energy imports continue to rise.
Yesterday 6:13 pm (9 hours ago)
A businessman appointed by the prime minister to head a multibillion-pound quango steps down after it was revealed that he was bankrupt.
Yesterday 10:31 am (17 hours ago)
The government is urged to end restrictions that prevent many garden centres in England and Wales from opening on Easter Sunday.
Saturday, April 19th, 8:50 am
Taxpayers' personal financial data could be shared with private firms and researchers, Revenue & Customs says, despite concerns over privacy and security.
Saturday, April 19th, 9:35 am
People convicted of commercial crimes overseas could be banned from running UK firms in an attempt to tackle "rogue directors", Business Secretary Vince Cable says.
Friday, April 18th, 3:53 pm
The fashion house Giorgio Armani pays 270m euros (£222m; $374m) to the Italian authorities to settle a tax bill.
Friday, April 18th, 1:10 am
A BP employee who oversaw the cleanup of the Deepwater Horizon oil spill in 2010 agrees to settle a charge of insider trading.
Friday, April 18th, 1:49 am
Barnes & Noble chairman trims his stake in the bookstore company to 20% by selling shares worth $64m.
Thursday, April 17th, 5:31 pm
Retirees could be told how long they are likely to live after stopping work, says pensions minister Steve Webb.
Thursday, April 17th, 1:01 pm
The Co-operative Group reports losses of £2.5bn, the worst results in its 150-year history, after what its chief executive calls a "disastrous" year.
Thursday, April 17th, 12:04 am
Takeaway owners are to face a new testing programme, after a watchdog found nearly a third of lamb takeaways it checked contained a different meat.
Thursday, April 17th, 3:33 pm
Two former Anglo Irish bank chiefs have been found guilty of making loans designed to illegally prop up the bank's share price.
Thursday, April 17th, 11:05 am
The "resilient" UK housing market recorded another increase in mortgage lending in March, according to a lenders' group.
Thursday, April 17th, 3:21 am
China's internet giant Tencent will launch the popular Candy Crush game on the mainland in partnership with the game's creator King Digital Entertainment.
Tuesday, April 15th, 11:39 am
Jobseekers in Derby will be given free bikes refurbished by prisoners in a bid to help them find work.
Wednesday, April 16th, 2:14 pm
A teachers' union leader says young teachers are shying away from taking out mortgages because of uncertainty over their future earnings.
Wednesday, April 16th, 12:35 pm
After nearly six years of falling real wages, rises in weekly earnings have finally caught up with inflation, according to the Office for National Statistics.
Wednesday, April 16th, 11:35 am
Hundreds of thousands more people are turning to food banks to stop themselves from going hungry, says charity the Trussell Trust.
Wednesday, April 16th, 5:38 am
China's economy expanded by 7.4% in the first quarter of the year, better than expected but down from 7.7% at the end of 2013.
Wednesday, April 16th, 11:16 am
The number of people out of work in the UK has fallen by 77,000 to a five year low of 2.24 million in the three months to February, official figures indicate.
Wednesday, April 16th, 2:28 am
The US tells China its currency must be allowed to rise if its own and the rest of the world's economy are to see stable growth.
Thursday, April 17th, 12:02 am
As a new type of cycle courier firm takes to the roads in Bangalore, the BBC's Sameer Hashmi looks at the challenges faced by Indian start-up companies.
Tuesday, April 15th, 12:00 am
Major change is a challenge for companies and their investors. How can chief executives shift a firm's course effectively?
Monday, April 14th, 12:06 am
A profile of Henry Engelhardt, the boss of insurance group Admiral, and why he wants his staff to have fun.
Thursday, April 17th, 3:58 am
The Jockey Club, the organisation behind the UK's leading horseracing events, reports record profits for last year of £22m.
Wednesday, April 16th, 9:57 am
Premier League players at Manchester City are the best paid in global sport, according to a new study.
Wednesday, April 16th, 6:11 pm
Ukio Bankas creditors approve the sale of its shares in Hearts, who can now begin their move out of administration.
Friday, April 18th, 12:16 pm
Almost half of Britons believe the UK will become a nation of renters within a generation, research suggests.
Friday, April 18th, 4:17 pm
New research suggests that physical formats for music, like CDs, cassettes and vinyl are experiencing a revival, particularly among younger buyers, despite digital downloads.
Friday, April 18th, 12:05 am
Alfa Romeo, the Italian sports car maker, returns to the US market after 20 years. Michelle Fleury takes a tour of the car the firm hopes will appeal to American drivers.
Friday, April 18th, 11:48 am
A third of adults under 45 say they have no prospect of owning their own home, a report by Halifax has found.
Friday, April 18th, 1:23 am
Singapore is running a trade fair for entrepreneurs, where exhibitors hope to turn their idea into a worldwide success.
Thursday, April 17th, 11:01 am
Larry Magid, technology analyst for CNET, discusses the fall in Google's shares.
Thursday, April 17th, 11:07 am
Former England defender Danny Mills has invested in the struggling West Cornwall Pasty Company.
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The battle for exclusive online TV shows
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The expat investor helping businesses in Somalia
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Two cultures collide at the online retail giant
Friday, April 18th, 12:09 am
The tech making e-commerce easier for small firms
Yesterday, 1:13 am
Some of the UK's biggest entrepreneurs share their stories
Saturday, April 19th, 2:13 am
Will stamps get cheaper if Scots go it alone?
Saturday, April 19th, 2:47 am
What's the story of John Lewis' 150 years of success?
Thursday, April 17th, 12:02 am
The latest addiction to help satisfy our energy needs

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