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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>

12:05 am (5 hours ago)
The government takes the "truly momentous" decision to approve a third runway at Heathrow.
1:30 am (4 hours ago)
A US judge approves the record $14.7bn (£12bn) settlement that Volkswagen will pay in the country over its diesel emissions scandal.
Yesterday 2:50 pm (14 hours ago)
New phone boxes offering free calls and ultrafast Wi-Fi will be introduced on the streets of central London.
Yesterday 11:31 pm (6 hours ago)
Apple reports its third quarter in a row of falling iPhone sales, but sales beat analyst expectations.
Yesterday, 12:14 am
The pound's recent devaluation after June's Brexit vote has already led to some price rises, and model railways are one business feeling the effects.
Yesterday 6:18 pm (11 hours ago)
The International Energy Agency says that the world's capacity to generate electricity from renewable sources has now overtaken coal.
Yesterday 7:12 pm (10 hours ago)
Clydesdale Bank reportedly makes an offer for Williams & Glyn, the banking business that RBS failed to sell to Santander.
Yesterday 7:10 pm (10 hours ago)
Supermarket giant Tesco has revealed it is trialling a new "digital receipt service", replacing paper receipts.
Yesterday 2:46 pm (14 hours ago)
John Lewis has said Paula Nickolds will become its new managing director, replacing Andy Street.
Yesterday 9:40 am (19 hours ago)
Whitbread's sales and profit rise in the first six months of the year, boosted by growing sales at its Costa Coffee and Premier Inn chains.
Yesterday 12:16 pm (17 hours ago)
Smartwatch shipments declined by almost 52% year-on-year, according to a new report by market analysts IDC.
Monday, 11:18 pm
The European Union and Canada say they remain hopeful for their landmark trade deal Ceta, despite three Belgian regions led by Wallonia blocking it.
Yesterday 12:31 pm (17 hours ago)
Shares in Italian bank Monte dei Paschi are temporarily suspended from trading after plummeting 23%.
Yesterday 7:03 am (22 hours ago)
The country's media is filled with speculation about what was behind the "ousting" of Tata chairman Cyrus Mistry and where the company is heading.
Yesterday 6:31 pm (11 hours ago)
London's leading shares edge higher on Tuesday, led by a strong performance from mining stocks.
Yesterday 10:48 am (18 hours ago)
Egyptian authorities seize 9,000 tonnes of sugar in raids on factories and warehouses, amid a nationwide shortage.
Monday, 12:58 pm
Manufacturing exports receive a significant boost from the weakness of sterling, according to the the latest report from the CBI.
Monday, 5:26 pm
Ministers announce a review into controversial fixed odds betting terminals to "minimise" the risk of harm from gambling.
Yesterday 12:23 pm (17 hours ago)
China's Ministry of Justice has threatened legal action against those blaming Chinese firms for botnets.
Monday, 11:02 am
People wishing to file their tax return on paper face a looming deadline, but flexible workers in the self-assessment system need to be aware of the rules.
Monday, 3:33 pm
Chinese conglomerate HNA acquires a 25% stake in hotel group Hilton as part of its efforts to become a 'global tourism business.'
Monday, 4:55 pm
Gamers have complained about video game retailer Game's decision to charge for demos of Sony's new PlayStation Virtual Reality headset.
12:17 am (5 hours ago)
In India, one start-up called Kulture Shop is bringing together urban artists and turning their designs into home and lifestyle products.
Yesterday 11:32 am (18 hours ago)
Richard Westcott takes a look at some of the big numbers behind the Heathrow third runway decision.
Yesterday 11:32 am (18 hours ago)
BBC News explains the bumpy ride that lasted over a decade, eventually leading to Heathrow airport getting approval for a third runway.
Yesterday 10:24 am (19 hours ago)
At busy times planes fly over Hounslow Heath Infant and Nursery school every minute.
Yesterday 8:28 pm (9 hours ago)
Conservative MP Zac Goldsmith resigns over the government's support for a new runway at Heathrow.
Yesterday 9:54 am (19 hours ago)
Lotte's Chairman Shin Dong-bin bowed with his directors and gave a public apology.
Yesterday, 12:45 am
How has tourism in Thailand been affected since the death of the King?
Saturday, October 22nd, 10:48 pm
The My Shop series visits Ziferblat in Manchester, a kind of cafe that charges you six pence a minute for the time you spend there.
Monday, 4:01 pm
A BBC Scotland investigation uncovers evidence of the problems facing ageing timeshare owners who want to get out of their contracts.
Monday, 10:14 pm
Until now the American Academy of Paediatrics has recommended that children under two have no screen time at all.
12:00 am (5 hours ago)
Heathrow's third runway may have got the go-ahead, but what expansion plans do the UK's other major airports have?
12:08 am (5 hours ago)
Lebanon is among the top five cannabis growing countries in the world. One farmer tells the BBC why, for many, there are few alternatives.
12:12 am (5 hours ago)
A university for coding without any teachers has opened in California this month.
12:18 am (5 hours ago)
The World Economic Forum estimates that globally women work 39 more days a year than men when unpaid labour is factored in.
Yesterday, 12:06 am
These days there's no shortage of things to keep you awake at night, whatever your politics. So what's the best way to handle all that uncertainty?
Yesterday, 12:03 am
The building industry has not been known for digital innovation, but virtual reality design and project management software are changing perceptions.
Monday, 7:45 am
US telecoms giant AT&T plans to buy entertainment group Time Warner - what will that mean for consumers?
Monday, 12:00 am
A profile of Canadian business leader Michael Donovan, who after winning a best documentary Oscar for producing hit film Bowling for Columbine, went on to establish cartoon giant DHX Media.
Monday, 12:09 am
The concept of shopping via a daigou is booming in China, with people employing them in Australia to get their hands on goods such as baby milk formula.
Sunday, October 23rd, 1:04 am
Panorama has gone undercover in Istanbul and found evidence that Syrian refugee children are making clothes for leading British brands.
Saturday, October 22nd, 10:59 pm
Theo Leggett looks at the case for expanding both Heathrow and Gatwick airports
Friday, October 21st, 9:46 pm
Buying a cot is not an easy process, the choices are endless. Add in the dozens of "sleep aids" available and parents can spend a huge amount of money.
Friday, October 21st, 12:49 am
Will human drivers take advantage of driverless cars' safety-first caution and simply ignore them?
Friday, October 21st, 12:46 am
Their flat fees are less than those charged by traditional High Street agents, attracting customers and investors alike, but do online agents offer good value?
Friday, October 21st, 11:37 am
Your stories of being tricked out of money by con artists posing as romantic partners.
Thursday, October 20th, 12:14 am
A growing number of head lice removal firms have set up in recent years as a response to the fact that the insects are increasingly resistant to over-the-counter chemical treatments.
Thursday, October 20th, 12:17 am
Sports psychiatrist Prof Steve Peters is offering his Olympic-winning expertise to firms who want to work more efficiently.
Thursday, October 20th, 10:36 am
Being self-employed is a way of life for almost five million UK workers, with some choosing to work independently, while others are being forced to adopt it.
Wednesday, October 19th, 12:09 am
How can more women break through India's glass ceiling to take on senior and board level roles?
Wednesday, October 19th, 3:25 pm
Elmar Brok, who chairs the European Parliament Foreign Affairs Committee, says the UK will have to negotiate its divorce agreement before its future relationship.
Wednesday, October 19th, 12:04 am
What difference will new welfare measures make to standards on Europe's fur farms?
Yesterday 7:52 am (21 hours ago)
A look back at how Heathrow grew from an airfield where passengers waited for flights in tents, to a major hub with about 75 million people passing through it each year.
Yesterday 12:12 pm (17 hours ago)
The government has given the go-ahead to a third runway at Heathrow, but why has it taken 50 years to decide on expanding London's main airport?
Yesterday 12:16 pm (17 hours ago)
The decision to opt for a new runway at Heathrow is the latest chapter in a 50-year saga - but how much have the delays cost the UK economy?
Yesterday 11:32 am (18 hours ago)
Now that the government has approved expansion at Heathrow Airport, what will be the next steps to bring the plans to fruition?


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


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


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.


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.


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.


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.


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.


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