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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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The number of people struggling with payday loans has risen by 42% in the past year, according to the debt charity StepChange.
Yesterday 10:13 pm (5 hours ago)
A plan for an island airport in the Thames Estuary, dubbed "Boris Island", looks set to be shelved, the BBC understands.
1:20 am (an hour ago)
Gordon Brown says an independent Scotland would become "an international outcast" if it refused to accept a share of UK debt.
Yesterday 2:52 pm (12 hours ago)
Premier League clubs have been on a player buying spree, with spending at £750m, as the end of the transfer window approaches.
2:23 am (22 minutes ago)
A British activist who campaigns for better labour conditions is set to go on trial in Thailand charged with criminal defamation.
Yesterday 10:19 am (16 hours ago)
Activity in the UK's manufacturing sector grew at its slowest pace for 14 months in August, a survey finds, while a separate study also suggests a slowdown.
Yesterday 12:16 pm (14 hours ago)
The amount of new money being borrowed by consumers soared to more than £1bn in July, according to the Bank of England.
Yesterday 11:25 am (15 hours ago)
One of the UK's most high-profile fund managers, Neil Woodford, says he decided to sell his holding in HSBC because he is worried about "fine inflation".
Yesterday 10:06 am (17 hours ago)
Manufacturing growth in the eurozone slowed to a 13-month low in August, according to a closely-watched survey.
Yesterday 6:38 pm (8 hours ago)
Shares in Tesco fall further following news that a major shareholder in the supermarket has cut its stake.
Yesterday 1:13 pm (14 hours ago)
Russia and China begin the construction of a new gas pipeline linking the countries, with a ceremony in the Siberian city of Yakutsk.
Sunday, August 31st, 11:00 pm
Barclays Bank sells Spanish businesses for £633m to the country's third largest lender CaixaBank.
Yesterday 3:13 am (24 hours ago)
China's manufacturing activity misses expectations in August, indicating that the country's economy may be losing momentum.
Yesterday 8:17 am (18 hours ago)
Heineken sells its Mexican packaging business to US firm Crown Holdings in a deal worth $1.23bn (£740m).
Sunday, August 31st, 2:58 pm
Most British businesses want the UK to renegotiate its relationship with the EU, according to a British Chambers of Commerce survey.
Yesterday, 12:01 am
High-powered hairdryers are on a list of household electrical items the EU is considering banning in an attempt to curb energy consumption.
Thursday, August 28th, 10:10 am
Drivers will have to cut out their own vehicle tax discs during the death throes of the paper system, because the DVLA has run out of perforated paper.
Friday, August 29th, 4:09 pm
Banks and card companies will reopen 2.5 million PPI mis-selling complaints amid claims of underpayment and rejection of compensation.
Friday, August 29th, 10:52 am
Household water bills in England and Wales will go up less than the rising cost of living in the next five years, under proposals from regulator Ofwat.
Friday, August 29th, 11:21 am
House prices edged up by 0.8% in August, the Nationwide says, while the Land Registry reveals a big annual increase in London.
Yesterday 10:45 am (16 hours ago)
A single, larger hub airport where passengers can transfer to a range of destinations - is "critical" to the UK's long-term economic growth, says the CBI.
Friday, August 29th, 4:59 pm
The Russian rouble falls to a record low against the dollar as investors fear further sanctions against the nation.
Friday, August 29th, 2:54 pm
A contraction of 0.6% in Brazil's economy between April and June, and a revision of the first quarter, places the country in recession, latest figures show.
Thursday, August 28th, 10:57 am
With the European Union ending import tariffs on Georgian products from 1 September, the country's winemakers and farmers are hopeful of increasing their exports to the EU.
Wednesday, August 27th, 12:01 am
A profile of Walid Sultan Midani, the founder of Tunisia's first video game development company, and his plans for global success.
Tuesday, August 26th, 12:02 am
Entrepreneurs are trying to find ways to collect rubbish in Mali's capital city Bamako but they have nowhere to process it.
Friday, August 29th, 7:56 am
Rangers make new shares available to current shareholders and admit poor uptake could hinder payments to creditors.
Monday, August 25th, 12:03 pm
England's top female rugby players will be paid for the first time as the Women's Sevens squad turns professional.
Thursday, August 21st, 2:24 pm
Aston Villa name Tom Fox as the Premier League club's new chief executive, replacing Paul Faulkner, who left in July.
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Card fraud in Asia costs banks $400m a year and is rising by up to 25% a year, according to software analytics firm Fico.
Yesterday 11:59 pm (3 hours ago)
How three students took advantage of a strike by lecturers to create a massive online job site in Nigeria.
Yesterday 11:48 am (15 hours ago)
Dave Lewis is taking over as chief executive of Tesco a month earlier than planned. Retail analyst Steve Dresser considers what he needs to do for the company.
Yesterday, 2:06 am
As food prices in the US increase, more people are looking for sources of free food - including other people's garbage. The BBC went dumpster diving with "freegans" in New York City.
Yesterday, 1:39 am
Could chip and pin technology be open to a new type of "skimming" fraud which is being used to steal people's cash?
Sunday, August 31st, 8:24 pm
Why Chinese couples are queuing up to put on waterproof make-up and get their wedding pictures taken underwater.
Sunday, August 31st, 7:17 pm
From 1 September, companies in the EU will be banned from making or importing vacuum cleaners above 1600 watts and it has led to a sharp rise in sales.
Yesterday 10:56 am (16 hours ago)
India's new prime minister, Narendra Modi, meets Japan's Shinzo Abe in Tokyo on his first major foreign visit since taking office.
12:06 am (3 hours ago)
Can America's honeybees be saved?
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The student entrepreneurs behind Nigeria's online jobs giant
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Readers share their experiences of replacing their operating system
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How to beat new EU rules on vacuum cleaners.
Sunday, August 31st, 8:23 pm
Smile please, but hold your breath
Yesterday, 12:02 am
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How your landlord could soon be a corporate brand
Saturday, August 30th, 3:37 am
What's it like living in a substandard home?

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.

Backhouse meet with me once a month to review our insurances. As part of this process they have produced a comprehensive, easy to understand schedule of all our cover which they update prior to each meeting. In my 30 years of dealing with Insurance Brokers this has never been done so efficiently, or consistently, as it has by Backhouse. They are the best brokers I have ever come across!

Graham Pilkington, Director. Cavitech Solutions