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 or email me@backhouseifs.co.uk

To view our Private Client Brochure please click here>

Yesterday 10:25 pm (3 hours ago)
US shares mostly closed higher on Wednesday despite minutes from the Federal Reserve's latest meeting suggesting it may raise interest rates earlier than expected.
Yesterday 3:57 pm (9 hours ago)
One of the most famous names in US retailing, Macy's, pays $650,000 to settle claims that it racially profiled and detained customers at its Manhattan outlet.
Yesterday 6:01 pm (7 hours ago)
Russia's main consumer watchdog has shut a number of McDonald's restaurants in Moscow as part of an investigation into food standards.
Yesterday 11:19 am (14 hours ago)
Two out of nine members of the Bank of England's Monetary Policy Committee voted to raise interest rates earlier this month, the first time in three years that policymakers have done so.
Yesterday 3:58 pm (9 hours ago)
Construction firm Carillion admits defeat in its £2bn pursuit of rival Balfour Beatty after its third takeover offer was rejected.
Yesterday 11:09 am (14 hours ago)
A total of £19.1bn is advanced to homebuyers in July, the Council of Mortgage Lenders says, amid warnings that the property market may face headwinds.
Yesterday 4:06 pm (9 hours ago)
The number of workers categorised as self-employed has risen to its highest in 40 years, according to the Office for National Statistics (ONS).
Yesterday 2:19 pm (11 hours ago)
Sales at the Danish brewer Carlsberg have been hit by falling consumption in Russia and Ukraine amid the crisis in the region.
Yesterday 8:34 am (17 hours ago)
British bank Standard Chartered has agreed to pay $300m to New York's top banking regulator for failing to improve money laundering controls.
Yesterday 12:17 pm (13 hours ago)
An emotional President de Kirchner says proposed legislation will return control of its debt to the government.
Tuesday, 8:29 pm
Former Microsoft chief executive Steve Ballmer announces he is stepping down from the board with immediate effect.
Yesterday 12:10 pm (13 hours ago)
Shares in South Africa’s largest banks have fallen after being downgraded by the credit ratings agency Moody’s.
Yesterday 7:59 am (17 hours ago)
China levies a record fine totalling 1.24bn yuan ($202m; £121m) on twelve Japanese car parts companies for price-fixing.
Tuesday, 7:38 pm
More than 2,400 former Lehman Brothers bankers will have their pensions paid in full following a six-year legal battle.
Yesterday 6:43 am (19 hours ago)
Exports from Japan show a surprise pick-up in July, reigniting hopes of growth for the world's third largest economy.
Yesterday 4:27 pm (9 hours ago)
Taxi firm Uber is trialling a same-day delivery service for more than 100 grocery goods in Washington DC.
Yesterday 8:51 am (17 hours ago)
Calvin Harris is still the world's top-earning DJ according to Forbes magazine.
Tuesday, 4:55 pm
Regulated rail fares in England will rise by 3.5% in January 2015, following the release of inflation figures for July.
Tuesday, 11:57 am
Complaints about payday loan middlemen - so-called credit broking websites - have more than doubled in a year, the Financial Ombudsman says.
Tuesday, 12:06 pm
Annual house price inflation was 10.2% in the year to June, driven by a 19.3% London rise, according to the Office for National Statistics.
Tuesday, 1:09 pm
The annual rate of UK inflation rate falls more than expected in July to 1.6% as the cost of clothing, footwear, food and non-alcoholic drinks eases during the month.
Monday, 12:28 am
Future North Sea oil and gas revenues could be six times higher than an economic watchdog has forecast, a report claims.
Monday, 7:42 am
Home and motor insurance premiums have dropped sharply, insurance brokers say, but the AA has highlighted big regional differences in costs.
Tuesday, 12:11 am
One man's quest to bring artisan beer to the island of Mauritius.
Sunday, August 17th, 8:10 pm
The BBC's Phil Mercer meets Matt Grainger, who has succeeded in combining his hobby with earning a living, by starting a surf business on Manly Beach in Sydney, Australia.
Wednesday, August 13th, 10:58 pm
The US retail market is a tough nut to crack, but there are a number of small UK firms who have managed to succeed in America.
Yesterday 12:58 pm (12 hours ago)
Cornish Pirates chairman Ian Connell appeals to his side's fans to do their part to help the club's finances.
Saturday, August 16th, 4:12 pm
Coventry City's owners lodge an appeal against a decision that endorsed the city council loaning the firm that runs the Ricoh Arena £14m.
Friday, August 15th, 6:09 am
The Premier League's told Newsbeat they're taking action to stop fans uploading unofficial goal Vines onto social media.
Tuesday, 9:53 pm
A Bradford company which revamps old Citroen 2CVs says more of the cars are being sold to France.
Yesterday 12:26 pm (13 hours ago)
As students await their GCSE results, the government launches new apprenticeships in England, with new opportunities in areas like engineering, hospitality and journalism.
Yesterday 2:08 am (23 hours ago)
One of India's richest men, Subrata Roy, is selling off investments in an attempt to free himself from prison.
Yesterday 2:15 am (23 hours ago)
How will Standard Chartered be affected by the New York banking regulator's fine and dollar clearing restrictions?
Tuesday, 8:10 pm
Houses in the Cotswolds are less affordable than those in London when wages are taken into account, pricing out some locals.
Tuesday, 4:54 pm
With Chinese households getting richer, a growing number of people are investing their cash in American real estate.
Tuesday, 12:11 am
Oscar Olsen, the "beer hunter", says he wants to start a beer revolution across Africa.
Tuesday, 10:02 am
Anne Francke from the Chartered Management Institute tells the BBC's Justin Rowlatt about the gender pay gap.
12:03 am (an hour ago)
Ebola crisis has a serious financial effect on West Africa
12:03 am (an hour ago)
Shopkeepers in Rome deal with reality of endless economic crisis
Yesterday 8:01 pm (5 hours ago)
Myanmar's young tourism bosses confident about the future
Yesterday, 12:00 am
The man who says he's responsible for a million kids
Tuesday, 2:40 pm
EU sanctions prompt Russia to turn to Swiss cheese makers
Tuesday, 12:09 am
The 62 places more expensive than London
Yesterday 1:26 am (24 hours ago)
Why hundreds of thousands of people have left Ireland
Yesterday 2:06 am (23 hours ago)
Food import ban begins to hit Russian shoppers
Tuesday, 8:29 pm
Why India is struggling to attract tourists

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.

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