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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>

11:51 am (10 minutes ago)
The prime minister also declines to back David Cameron's 2015 pledge for a "five-year tax lock".
3:11 am (9 hours ago)
Former pensions minister Steve Webb calls for pension increases that target those most in need.
10:51 am (an hour ago)
Output in China's factories and mines expands in April but more slowly than in the previous month.
1:47 am (10 hours ago)
The government says district heating networks should cut bills, but some say they are beset with problems.
4:59 am (7 hours ago)
The Tories promise to protect company pensions, while Labour pledges to improve workers' rights.
Yesterday 8:59 pm (15 hours ago)
The top EU figure puts rights centre stage as the EU-27 formally approve negotiating guidelines.
Yesterday, 2:27 am
A 'broken' housing market needs a bigger contribution from smaller building firms, MPs say.
Friday, 10:58 am
UK economic growth slowed by more than expected at the start of 2017 as the service sector stalled.
Friday, 3:54 pm
Customers complained on social media that payments and money transfers had not gone through.
Friday, 4:38 pm
President Trump faces a greater challenge in meeting his growth pledge after weak data.
Friday, 11:21 am
The High Street giant prepares to join a crowded market for home delivery but could face problems.
Friday, 8:59 am
The bank returns to profit in the first quarter of 2017 and says its cost-cutting plan is ahead of target.
Friday, 4:07 pm
Apple sued chipmaker Qualcomm in January and is now withholding payments until the row is resolved.
Friday, 2:31 pm
Amazon's new Echo Look device takes full length photos and offers advice on outfit choices.
Friday, 8:37 pm
Parliament is investigating whether UK banks have the capital means to keep going during a shock.
Friday, 5:54 pm
A group of MPs says French nuclear giant is solely responsible for a controversial $320m deal.
Friday, 8:48 am
The bank reports a big rise in profits for the first quarter, boosted by a healthier core business.
Friday, 11:47 am
The two tech firms have confirmed they were tricked out of $100m (£77m) in an alleged scam.
Friday, 12:00 am
It was "morally reprehensible" not to warn customers sooner about a second recall, MPs say.
Friday, 9:12 am
Prices have now fallen for two months in a row, the Nationwide building society says
12:06 am (12 hours ago)
Legendary F1 driver Ayrton Senna is still one of the strongest brands in sport - and now his name is making a difference in education.
Friday, 2:29 pm
The use of donkey hides in Chinese traditional medicine has seen Africa's donkey population halve in the past 20 years.
Friday, 12:01 am
British inventor Richard Browning has been testing his flying suit, which he says he has developed as "a bit of fun".
Friday, 12:10 am
Dare Jennings, founder of the 1980s Australian surf wear brand Mambo, tells the BBC how he's keeping his cool in business.
Thursday, 8:09 pm
UK sandwich chain Pret A Manger has said that coconut is driving its sales forward - so we went out to conduct a "taste test" to see what flavours get you licking your lips.
Friday, 8:05 am
A Somali shopkeeper now living in South Africa reflects on the good and bad in his new home.
Wednesday, 7:00 pm
President Trump has slapped tariffs on Canadian lumber - now he's going after their dairy farmers. Why?
Thursday, 12:12 am
Egypt is one of Uber's fastest growing markets. What's behind its success?
Yesterday 2:34 pm (21 hours ago)
The online encyclopaedia is inaccessible under an official order, but no reason for this is given.
Friday, 7:15 pm
Brent Delta is the first major piece of infrastructure in the North Sea to be decommissioned.
1:07 am (11 hours ago)
Twenty-three years after his tragic death, legendary F1 driver Ayrton Senna is still one of the most valuable brands in sport.
Friday, 3:48 pm
Test your knowledge of the first 100 days of Donald Trump's Presidency
Friday, 5:25 pm
Deputy governor Charlotte Hogg leaves her post on Friday and its other top woman is off in June - why does the Bank struggle to find top women?
Friday, 12:05 am
Operators say that new technology means video ATMs will change the way we bank.
Thursday, 12:08 am
From giving staff a week's paid leave to look after their new dog, to the firm that pays towards its employees' weddings.
Thursday, 12:12 am
Uber launched in Egypt two years ago, and is now one of the company's fastest growing markets.
Wednesday, 9:08 pm
Donald Trump is expected to announce a tax plan that would lower rates for businesses.
Wednesday, 12:25 pm
From image rights to winding up orders, how HMRC has tackled the football industry.
Wednesday, 12:08 am
Working out what colour is going to be popular in future is crucial for industries across the world.
Wednesday, 12:10 am
When email goes wrong... how it can irritate and annoy everyone in the office.
Tuesday, 1:00 am
Rushed off your feet? Not enough hours in the day? Here are some apps to help you take control.
Monday, 12:03 am
A profile of John Timpson, the boss of family-owned shoe repair firm Timpson, which has a very unusual recruitment policy.
Tuesday, 12:52 am
Many people are unsure about what machine learning is, but the chances are they are using it every day.
Monday, 12:52 pm
The Tories want a cap on energy prices - so what models might they choose from?
Monday, 12:03 am
The technology which underpins the internet's security has always been disputed.
Sunday, April 23rd, 2:59 pm
Suppliers and trade body Energy UK warn capping prices would eliminate competition in the sector.
Sunday, April 23rd, 1:51 am
How wealthy your parents are is likely to matter more for young adults than it did for older generations.
Sunday, April 23rd, 12:27 am
Russian tennis star Maria Sharapova returns to action next week looking to boost her sponsor appeal.
Sunday, April 23rd, 7:58 am
Paul Singer's Elliott Management, famous for its pursuit of Argentine debt, is calling for shake-ups at several companies.
Friday, April 21st, 9:44 pm
Whether you consume music digitally or collect vinyl records, Brexit has the potential to affect you.
Friday, April 21st, 9:44 pm
The regulator is concerned about the motor finance industry - so should car buyers also be worried?
Friday, April 21st, 12:17 am
Stem subjects - science, technology, engineering, maths - have an image problem. But not in Russia.
Friday, 5:04 pm
France may have a high standard of living but there are some persistent economic problems that will prove a challenge to whoever becomes the next president.
Thursday, April 20th, 12:31 am
The problem of "hippos" in the workplace - and why it is important that their decisions can be openly questioned.

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 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