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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>

8:09 am (48 minutes ago)
Royal Bank of Scotland sets aside £400m to cover potential costs from an investigation into possible manipulation of the foreign exchange market.
1:08 am (8 hours ago)
Russia will resume gas deliveries to Ukraine this winter in a deal brokered by the European Union, which will also safeguard supplies to EU countries.
6:53 am (2 hours ago)
Japan led Asian shares higher after the Bank of Japan (BOJ) surprised markets by announcing more stimulus measures to boost the economy.
7:57 am (an hour ago)
The parent company of British Airways, IAG, upgrades its profit forecast after it reports a 30% rise in third quarter profits.
2:43 am (6 hours ago)
Investment bank Citigroup puts aside an extra $600m to cover legal expenses due to "rapidly evolving regulatory inquiries".
5:55 am (3 hours ago)
One of Australia's biggest lenders, ANZ, announces a record full-year net profit of A$7.3bn ($6.4bn, £4bn), up 15% from a year earlier.
Yesterday 11:33 pm (9 hours ago)
Starbucks' shares fall as investors express disappointment at the company's latest quarterly sales figures.
Yesterday 2:27 pm (19 hours ago)
The US economy grew at an annual rate of 3.5% in the third quarter, a better figure than economists were expecting.
12:48 am (8 hours ago)
The world's largest retailer, Wal-Mart, is closing 30 stores in Japan to improve profitability, the company says.
Yesterday, 8:24 am
The UK housing market is showing signs of slowing down, the Nationwide says, with the annual rate of price growth slowing to 9% in October.
Yesterday 12:05 pm (21 hours ago)
Filling up at a motorway service station can cost the average motorist an extra £8 a tank compared with elsewhere, the RAC says.
Yesterday 6:18 pm (15 hours ago)
The Royal Mint announces the sale of a series of new, smaller, gold coins in a bid to encourage more people to invest in bullion.
Yesterday 4:24 pm (17 hours ago)
Apple chief executive Tim Cook has publicly acknowledged his sexuality, saying he wants to try to help people struggling with their identity.
Yesterday 12:34 pm (20 hours ago)
Lenovo completes a $2.9bn takeover of Google's Motorola handset division, which it says makes it the third biggest smartphone maker.
Yesterday 5:14 pm (16 hours ago)
The FTSE 100 recovers from early losses, despite falling mining shares.
Wednesday, 11:59 pm
Games publishers must "stand-up and condemn" the movement referred to as "GamerGate", says a developer forced to leave her home due to threats.
Tuesday, 7:19 pm
The former dictator of Panama, Manuel Noriega, fails in his attempt to sue Activision after a character based on him appeared in a Call of Duty game.
Tuesday, 5:43 pm
There's been a rather unfortunate translation error on an ATM outside an Aberystwyth store.
Yesterday, 2:15 am
National Australia Bank is considering floating its Clydesdale and Yorkshire banking operations on the stock market as part of an exit from the UK.
Wednesday, 1:14 pm
Consumers are warned to be wary of "rip-off" payday middlemen, after the NatWest bank reports that it is receiving hundreds of new complaints every day.
Wednesday, 12:01 am
A new phone scam - known as number spoofing - is netting millions of pounds for fraudsters, consumers are being warned
Wednesday, 7:28 pm
US Federal Reserve announces an end to the quantitative easing stimulus programme begun in 2008 as economic recovery takes hold.
Wednesday, 2:31 am
Singapore is ranked the best country to do business for a ninth consecutive year by the World Bank's annual "Doing Business" report.
Wednesday, 11:20 am
The number of mortgages being approved has fallen to its lowest level in more than a year, according to the Bank of England.
Monday, 12:02 am
Hotel Chocolat co-founder Angus Thirlwell explains how he created a corporate mints provider which he transformed into a chocolate empire.
Thursday, October 23rd, 11:04 pm
US tech start ups are 'burning' cash at alarmingly high rates, and some experts are warning that innovation could suffer
Wednesday, October 22nd, 11:09 pm
A start-up business in Brazil is rolling out a network of drop-in siesta centres, where people can go to take an afternoon nap.
Wednesday, 10:00 am
A London-based NFL team could be worth more than £100m a year to the UK, according to a new report.
Tuesday, 4:19 pm
Hearts vow to become the first football club in Scotland - and biggest in the UK - to adopt the living wage.
Tuesday, 12:02 am
Men earn more prize money than women in 30% of sports, a BBC Sport study reveals.
Yesterday 11:59 pm (9 hours ago)
The metal detectorists saving marriages
12:07 am (9 hours ago)
Weighing up oil and gas development in Colorado
Yesterday 7:36 pm (13 hours ago)
Will Chinese films be the next big blockbusters?
Yesterday, 12:42 am
Has the US Federal Reserve's QE policy worked?
Yesterday 11:13 am (22 hours ago)
Has the market finally caught up with Samsung?
Wednesday, 8:04 pm
Why Chinese firms are changing their approach to succession
Wednesday, 8:19 pm
The Aussie firms offering unusual job perks and flexible working

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