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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>

1:24 pm (22 minutes ago)
The outlook for the UK's financial stability has worsened in the light of events in Greece, Bank of England governor Mark Carney warns.
12:47 pm (60 minutes ago)
Greece's Prime Minister Alexis Tsipras has offered new concessions to the country's creditors. but Germany says a deal is not yet possible.
12:03 pm (an hour ago)
The Airports Commission backs a third Heathrow runway, saying it will add £147bn in economic growth and 70,000 jobs by 2050.
11:14 am (3 hours ago)
UK productivity remains subdued despite some signs that things are improving, official figures show.
1:28 am (12 hours ago)
The organisation tasked with promoting the rollout of smart meters has lost its chairman just weeks after she spoke out over how the government-led programme was being run.
10:08 am (4 hours ago)
Toyota's managing officer Julie Hamp resigns from the company after she was arrested last month for allegedly bringing illegal drugs into Japan.
12:44 pm (an hour ago)
Shares in London and across Europe rise sharply on reports that Greece will accept most of its creditors' bailout conditions.
12:19 pm (an hour ago)
Gleneagles Hotel and golf resort has been sold by drinks company Diageo, which has owned it for 31 years.
12:05 pm (an hour ago)
Freephone numbers starting with 0800 or 0808 are now free to call from mobile phones as well as landlines.
12:02 am (14 hours ago)
Income needed for an "acceptable" standard of living has fallen slightly for most families compared with a year ago, social policy campaigners say.
11:01 am (3 hours ago)
Mainland Chinese shares fall 5.2% reversing many of the gains seen a day earlier.
7:45 am (6 hours ago)
A court in South Korea rejects an attempt by US activist investor fund Elliot to stop a shareholder vote on a proposed $8bn merger of two key Samsung Group firms.
Yesterday, 10:02 am
Staff should be allowed to dress down and work flexible hours during the hot spell of weather, the TUC says.
Friday, June 26th, 1:40 pm
A rare meeting between two self-driving cars resulted in one taking evasive action, Reuters reports.
1:09 pm (38 minutes ago)
In an interview with the BBC the chairman of the Airports Commission, Sir Howard Davies, talks about the commission's support for a third Heathrow Airport runway.
8:29 am (5 hours ago)
Mayor of London Boris Johnson says a proposal supported by the independent Airport Commission for a third runway at Heathrow "not going to happen".
7:38 am (6 hours ago)
Heathrow's chief executive John Holland-Kaye says the report supporting a third runway at the airport "settles the argument once and for all".
2:45 am (11 hours ago)
Food trucks are a common sight in America, though not so much in Asia. In India, however, the trend is catching on.
12:02 am (14 hours ago)
A young designer explains how he has re-configured household objects, to make people feel happy as they use them.
12:29 am (13 hours ago)
To help make sense of the severity of Greece's financial position, the BBC's Dani Sinha looks at five graphs that explain the debt crisis.
Yesterday 8:39 pm (17 hours ago)
The future of the Greek economy and its existence in the eurozone will be decided over the next few days.
Yesterday, 1:32 pm
How is the €60 cash cap for withdrawals affecting the smaller islands?
12:01 am (14 hours ago)
Would a Grexit derail the euro?
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Three Murdochs - all with something to prove
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'Circademics' get serious about the meaning of circus
Yesterday, 12:11 am
Will Apple Music kill Spotify?
Yesterday, 12:19 am
Why can't we decide how to expand our airports?
Yesterday, 12:09 am
Why firms may need to start hiring scientists
Yesterday, 12:22 am
The kit recording the world's threatened cultural treasures
Monday, 10:40 pm
What Greeks really think about the debt crisis
Yesterday, 9:08 am
What do British tourists need to know?

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