COMMERCIAL SERVICES

We can help protect your business, click here to discover our range of comemercial services.

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>

1:51 pm (16 minutes ago)
UK financial markets calm down after two days of turmoil in the wake of the Brexit vote, with the FTSE 100 gaining more than 2%.
12:05 pm (2 hours ago)
Prices in supermarkets could rise if the pound continues to weaken, retail analysts say.
1:43 pm (24 minutes ago)
Volkswagen car drivers in the US affected by its emissions scandal are to get up to $10,000 in compensation after the firm agrees a deal with regulators.
11:52 am (2 hours ago)
Tax rises and spending cuts will be needed to deal with the "shock" to the UK economy caused by leaving the EU, Chancellor George Osborne says.
12:38 pm (an hour ago)
The average income in the UK moved above its 2009-10 peak in 2014-15, official figures show, owing to a rise in the number of people in work.
11:57 am (2 hours ago)
Ikea is to recall 27 million Malm chests of drawers in North America after the deaths of three children in the US.
7:48 am (6 hours ago)
The HS2 high-speed rail project has an "unrealistic timetable" and faces major cost pressures, says a report by the National Audit Office.
Yesterday 9:29 pm (17 hours ago)
The UK has lost its top AAA credit rating from S&P and has been downgraded by rival agency Fitch, following the EU referendum "out" vote.
3:55 am (10 hours ago)
German carmakers say that if the UK wants access to the single market, then it will have to accept the free movement of EU citizens.
1:07 am (13 hours ago)
Business Secretary Sajid Javid will hold a meeting of UK business groups on Tuesday to discuss the fallout from the UK vote to leave the European Union.
Yesterday 8:17 pm (18 hours ago)
Ryanair's chief executive Michael O'Leary says that the airline will focus its growth on EU routes next year.
Yesterday 5:24 pm (21 hours ago)
The pound has fallen sharply following the UK's decision to leave the European Union - how might this affect prices on the High Street?
10:36 am (4 hours ago)
BBC News looks at some of the immediate practical effects that follow from the EU referendum vote in the UK.
1:56 am (12 hours ago)
One Japanese businessman expresses bafflement that the UK would want to leave the European Union.
12:37 am (14 hours ago)
Natural disasters and an unstable political environment mean an uncertain environment for Thai companies. How do they cope?
Yesterday 4:48 pm (21 hours ago)
Theo Leggett poses three questions that central bankers will have to answer in the wake of the UK's vote to leave the EU.
Yesterday, 7:45 am
Chancellor George Osborne has insisted that the UK is in a strong position to "deal with the consequences" of the vote to leave the European Union.
Yesterday, 8:16 am
Now that the UK has voted to leave the EU, what impact will this have on the City of London?
Yesterday, 6:59 am
The BBC's Asia business correspondent Karishma Vaswani explores the impact Britain's exit from the European Union will have on Asia.
9:29 am (5 hours ago)
The Crown Estate delivers a record £304.1m to the Treasury after the value of its portfolio rises 9.7% to £12bn.
Yesterday 5:22 pm (21 hours ago)
How does the UK's vote to leave the European Union affect British expats in Europe, and EU nationals working in the UK?
5:05 am (9 hours ago)
As businesses grapple with how to respond to Brexit, Germany's capital is keen to open new doors to Britain's tech-savvy talent pool.
12:37 am (13 hours ago)
Paul Srivorakul started his business in the middle of a coup and it thrived, but what's the best way for firms to cope with uncertainty?
12:33 am (14 hours ago)
Tech firms promise auto-translation services that are near-instantaneous and accurate, but can businesses really rely on them?
Yesterday 4:23 pm (22 hours ago)
German politicians consider a tough approach on Brexit as the leading German business association denies saying the UK would continue to have access to the single market.
Yesterday, 12:00 am
Fifty years ago this week Barclaycard issued the first credit cards in the UK. Simon Read looks at how the plastic card changed our relationship with money.
8:24 am (6 hours ago)
A profile of stockbroker Brad Katsuyama, who devised a way to prevent the controversial practice of high frequency trading on the US financial markets.
Yesterday, 1:09 pm
Chinese business and political leaders at the World Economic Forum gathering in Tianjin are putting a brave face on the uncertainty caused by Britain's vote to leave the EU.
Sunday, June 26th, 2:21 am
Garbine Muguruza is being heralded as the new face of women's tennis, but can the Spaniard follow in the footsteps of global superstars like Maria Sharapova and Serena Williams?
Friday, June 24th, 9:28 am
Now that the British public has voted for Brexit, what exactly will be the economic effects? Here are five areas where experts say we should pay close attention.
Saturday, June 25th, 9:04 am
The UK government must resolve key issues with the EU, including immigrants' access to Britain, as well as trade deals and tariffs.
Saturday, June 25th, 1:07 pm
As Moody's, one of the big three credit ratings agencies, cuts its outlook for the UK's economy from "stable" to negative", BBC News explains what the agencies do.
Friday, June 24th, 12:57 pm
UK companies and business organisations say action to shore up stability and confidence is needed following the EU referendum result.
Friday, June 24th, 3:32 pm
Gatwick may be back in the race against Heathrow to build a new runway following the vote to leave the EU and David Cameron's resignation
Friday, June 24th, 10:09 am
How are fashion retailers responding to the world of smartphones and social media?
Yesterday 2:59 pm (23 hours ago)
The UK's vote to leave the EU has had an immediate effect on some elements of our finances - but not all. Here's what has changed.
11:04 am (3 hours ago)
With the pound falling to its lowest level in more than 30 years after Brexit, who are the groups directly affected?
Yesterday 4:59 pm (21 hours ago)
Norway, Switzerland, Canada or Singapore? What approach should the UK take to trade deals with the EU and others, once it leaves the European bloc?
Yesterday 5:10 pm (21 hours ago)
David Cameron responds to questions on what the future would be for EU workers currently in the UK and for UK citizens working in other EU countries.

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