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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>

Yesterday 7:58 pm (8 hours ago)
The case for raising US interest rates has "strengthened", the head of the Federal Reserve Janet Yellen says.
Yesterday 8:50 pm (7 hours ago)
Ice cream maker Ben & Jerry's recalls tubs of one of its best-selling products over concern they may contain small pieces of metal.
Yesterday 3:45 pm (12 hours ago)
Virgin founder Sir Richard Branson says he thought he was "going to die" after crashing his bike on the Caribbean island of Virgin Gorda.
Yesterday 4:34 pm (11 hours ago)
Italian luxury fashion group Prada predicts a return to growth as it seeks to connect with younger customers through online sales and flexible pricing.
Yesterday 6:22 pm (9 hours ago)
Germany's Volkswagen tells a US court that it plans to compensate car dealers in America hit by the diesel emissions scandal.
Yesterday 1:03 pm (15 hours ago)
The Restaurant Group, the owner of Frankie & Benny's, Chiquito and Garfunkel's, says it will sell or close 33 underperforming sites.
Yesterday 3:20 pm (12 hours ago)
The UK's Information Commissioner (ICO) is looking into WhatsApp's decision to share more data with parent company Facebook.
Yesterday 9:36 pm (6 hours ago)
US vice president Joe Biden announces plans to lend railway operator Amtrak $2.45bn (£1.86bn) to expand services and make upgrades.
Yesterday 1:23 pm (14 hours ago)
Tesco is selling its Euphorium bakery business as chief executive Dave Lewis seeks to turn around the supermarkets fortunes.
Yesterday 12:21 pm (15 hours ago)
Savers put an average of £6,338 into Individual Savings Accounts (Isas) in the last financial year, a rise of 5% on the previous year.
Yesterday 8:25 am (19 hours ago)
The Hinkley Point C nuclear power plant is "not essential" for the UK to meet its energy and climate change targets, says a think tank.
Yesterday 11:34 am (16 hours ago)
Strong growth in spending by consumers helped to drive the UK economy ahead of the Brexit vote, official figures show.
Yesterday, 12:00 am
The under-35s are not a spendthrift generation, but are struggling to save owing to daily financial pressures and low wages, a trade body says.
Yesterday 2:24 pm (13 hours ago)
Three men have been charged with fraud for allegedly conspiring to sell horsemeat as beef.
Yesterday 10:36 am (17 hours ago)
James Davidson, co-founder of pet food company Tails.com, talks to Business Live - but his dog Monty steals the show.
Yesterday 9:52 pm (6 hours ago)
Despite the often frustrating employment situation for young Botswanans, one young entrepreneur is ploughing ahead while remaining thoroughly rooted in his community.
Yesterday, 12:06 am
BBC News takes a look around a former BHS flagship store on Edinburgh's Princes Street, empty now that the chain has ceased trading.
Thursday, 6:21 pm
Driverless taxis are being tested on the streets of Singapore for the first time.
Yesterday, 3:11 am
After a slow few years for India's car market, sales are powering ahead. But how about foreign car companies there?
Yesterday 10:41 am (17 hours ago)
Diamonds have helped Botswana's economy over the past 50 years. But now some people are saying that the stones don't hold the same promise for the future.
Thursday, 9:46 am
The boss of Thomas Cook tells the BBC it's still safe to go on holiday to Turkey, according to government advice, and says the Brexit vote hasn't affected business.
Thursday, 12:12 am
North Korea is holding its first beer festival to promote its domestic brew Taedonggang.
Thursday, 5:33 am
As the industry races to make driverless cars viable, a small fleet of computer-driven taxis are taking passengers in Singapore.
Thursday, 4:43 pm
French wine production is likely to be 10% lower this year than in 2015 because of a spring frost and a heatwave now.
Yesterday 9:52 pm (6 hours ago)
As designer handbags receive record prices at auction, women are increasingly taking them to pawn shops to borrow money against them.
Yesterday, 12:09 am
As the last BHS stores close this weekend, bringing to an end nearly 90 years of retail history, Emma Simpson looks at what the closures will mean for our High Streets.
Yesterday, 12:12 am
As the number of people living in cities rise, lower income residents are being pushed farther out to areas with fewer resources.
Yesterday, 12:23 am
As chat apps achieve colossal valuations and more keep coming onto the market, are we reaching chat saturation point?
Yesterday, 2:28 am
Twenty years ago, the US overhauled its cash welfare system - the portion of US assistance that is offered to poor families as a direct payment. But how does this system compare to other high-income countries?
Thursday, 12:16 am
A look at the growing number of businesses who are trying to make a positive difference to society by speaking out on societal or political issues, and their reasons for doing so.
Thursday, 12:07 am
Successful bosses often boast of how little they sleep, but is sleeping more better for your career?
Wednesday, 3:02 pm
Jeremy Corbyn has brought the issue of overcrowded trains into the spotlight again, but why are our trains so busy and just how bad is the problem?
Wednesday, 12:03 am
The sporting goods giants of Nike and Adidas are both looking to sell their golf club businesses. The BBC looks at what some of the reasons may be.
Tuesday, 12:24 am
After the New Zealand rugby team discover a listening device in their Sydney hotel meeting room, we examine just how much spying technology has advanced in recent years.
Tuesday, 1:20 pm
What are some of the steps that could be taken to narrow the pay gap between men and women?
Tuesday, 12:54 am
For many Australians the dream of owning their own property is slipping away. But could a shared ownership scheme help address the affordability crisis in Sydney, the country's most expensive city?
Monday, 12:02 am
We're often urged to strive for excellence, to be the best we can be, to push for more - but some argue we'd be happier if we calmed down and embraced mediocrity.
Monday, 12:02 am
How the chief executive of UPS went from low level, part-time worker to chief executive of the world's largest parcel delivery service.
Monday, 11:47 am
India appoints a government insider as the new head of its central bank. Can Urjit Patel emerge from his predecessor "rock star" Raghuram Rajan's shadow?
Friday, August 19th, 12:32 am
Online shoppers want fast websites and apps that are also visually rich and personalised, but how technically difficult is this to achieve?
Friday, August 19th, 12:36 am
The ambitious new plan to overhaul Sierra Leone's agriculture sector.
Thursday, August 18th, 12:14 am
A look at the small but growing number of luxury British watchmakers who aim to put the UK back at the forefront of the global timepiece industry.
Thursday, August 18th, 12:06 am
The weaker pound since the UK’s Brexit vote means euro-denominated EU farming subsidies could worth 15% more to British farmers next year. But the boost may be a short-term one.
Wednesday, August 17th, 5:09 pm
US athletes are leading in the Olympic medal count but when the winners return home they will be welcomed with both national pride - and a hefty tax bill.

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