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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 or email me@backhouseifs.co.uk

To view our Private Client Brochure please click here>

Co-op halts new business lending

Yesterday 3:40 pm (18 hours ago)
Co-operative Bank has stopped offering new business loans amid concerns over its capital position and talks with UK regulators.

Germany reports sluggish growth

Yesterday 9:53 am (23 hours ago)
Germany's economy barely grew in the first quarter of the year, figures show, as private consumption helped offset shrinking exports and investment.

IMF chief Lagarde made key witness

Yesterday 9:28 pm (12 hours ago)
A French court does not place IMF head Christine Lagarde under investigation over a payout made when she was finance minister, making her a key witness instead.

Manchester United cuts debt costs

Yesterday, 9:07 am
Manchester United has struck a new loan deal to cut the amount of interest it pays on its huge debts.

London Market Report

Yesterday 5:05 pm (16 hours ago)
London's leading shares lose further ground in Friday trading, extending Thursday's global sell-off.

Second RBS apology for app glitch

Yesterday 1:02 pm (20 hours ago)
RBS has apologised for the second time in two months after customers were unable to login to their accounts through their mobile phone app.

Poor countries take on tax avoiders

Yesterday, 12:02 am
Developing countries are trying to stop mining companies shifting billions of dollars in profits out of their countries, depriving them of much-needed tax revenue.

Euro bank chief sees UK improvements

Thursday, 11:04 pm
European Central Bank president Mario Draghi, visiting London's City district, says he sees "signs of tangible improvements" in the UK economy.

News Corp to split in two on 28 June

Yesterday 4:21 pm (17 hours ago)
News Corp announces it will officially split its publishing and entertainment businesses on 28 June, two years after the UK phone-hacking scandal involving the News of the World.

Amazon reveals fan fiction platform

Yesterday 12:41 pm (21 hours ago)
Fan fiction authors will be able to publish and sell some titles in the US via new e-book platform Kindle Worlds.

Low rates 'fail to deter savers'

Yesterday 11:46 am (22 hours ago)
A lack of confidence among consumers has pushed up savings levels in the last year despite the low rates of interest available, banks say.

Latam 'gang of four' scrap tariffs

Yesterday, 12:00 am
Four countries in Latin America - Chile, Colombia, Mexico and Peru - have agreed to scrap most of the tariffs on trade between their four countries.

Japanese stocks recover after falls

Yesterday 2:52 pm (18 hours ago)
Shares in Japan have closed 0.89% higher, one day after Thursday's global sell-off in shares.

Tata Steel swings to a loss

Thursday, 4:12 pm
Tata Steel, one of the world's biggest steelmakers, blames weakness in Europe for a net loss in the fourth quarter and says "severely depressed" conditions are likely to persist.

French court questions IMF chief

Thursday, 8:45 pm
IMF chief Christine Lagarde is grilled by judges in Paris over a big payout to a tycoon when she was French finance minister.

Nissan recalls over 800,000 vehicles

Thursday, 3:17 pm
Nissan says it plans to recall about 841,000 vehicles worldwide due to a faulty steering wheel.

Tuition fee 'could be cut to £6,000'

Thursday, 2:01 am
Tuition fees in England could be limited to £6,000 per year and remain cost-neutral to universities and the Treasury, research suggests.

JP Morgan fined £3m for failings

Thursday, 1:48 pm
JP Morgan's international bank division has been fined £3m by the Financial Conduct Authority for failures in client advice and record-keeping.

Couple's £163,000 phone bill shock

Wednesday, 12:55 pm
A couple who own an electrical firm had a shock when they received a mobile phone bill for £163,000, then fought for months to have the debt cleared.

UK first quarter growth unchanged

Thursday, 11:46 am
The UK's economy grew at 0.3% in the first three months of the year, official figures confirm, but concerns remain over the strength of the recovery.

Bernanke hails benefits of stimulus

Wednesday, 8:23 pm
US Federal Reserve chairman Ben Bernanke tells Congress that it is too soon to end the central bank's monetary stimulus programme or raise interest rates.

Oklahoma damage bill 'could be $2bn'

Wednesday, 5:53 pm
The damage from the Oklahoma tornado could reach $2bn (£1.3bn), the Oklahoma Insurance Department warns, although many tenants may have no insurance cover.

The growth of start-up competitions

Thursday, 1:09 am
In recent years there has been an ever-growing number of competition schemes for would-be entrepreneurs, as the BBC's Will Smale reports.

Not your typical multimillionaire

Monday, 12:35 am
Launching our new weekly feature called The Boss, we take a closer look at what drives Aaron Levie, the founder and chief executive of cloud storage company Box.

Firms aiming to make money while doing good

Monday, May 6th, 11:23 am
Karen Weintraub explores the growth in the number of US small firms who wish to profit from making a positive difference in the developing world.

Duff and Phelps: No Rangers conflict

Thursday, 12:01 pm
The firm which acted as administrators for the former Rangers Football Club is cleared of any conflict of interest over its appointment.

Sports college plan for Don Valley

Wednesday, 9:05 pm
A dedicated sports and life sciences college could be built on the site of the Don Valley Stadium, Sheffield City Council announces.

Bundesliga raises Qatar 2022 concern

Wednesday, 5:25 pm
Bundesliga warns moving the 2022 World Cup to the Qatari winter could lead to legal challenges by European leagues.

VIDEO: Can Turkey's economic boom continue?

3:47 am (5 hours ago)
With many Middle Eastern economies in turmoil, and doom and gloom across much of Europe, Turkey seems to be bucking the trend.

VIDEO: Leaving Egypt for life in Dubai

3:46 am (6 hours ago)
Amid dismay at Egypt's political direction and pessimism about the state of the economy, thousands of Egyptians are choosing to move abroad.

VIDEO: Hermes 'will remain family-run'

Yesterday 12:34 pm (21 hours ago)
Fashion house Hermes says that despite hostile takeover attempts, its will remain a family-run business.

VIDEO: Hugh's review: Stock markets volatile

Yesterday 1:20 pm (20 hours ago)
It has been a turbulent week on the world's stock markets, with investor confidence shaken amid fears that central banks may ease their stimulus plans.

VIDEO: Fears over EU-US energy price divide

Yesterday 9:45 am (24 hours ago)
The cost of energy used to be roughly the same on both sides of the Atlantic, but the US-led revolution in shale oil and gas has sent prices tumbling.

AUDIO: Burberry boss 'looking to Middle East'

Yesterday 10:35 am (23 hours ago)
The Today programme's Friday Boss is Burberry chief executive Angela Ahrendts.

VIDEO: The book clubs that find bestsellers

Yesterday, 2:24 am
Hookline Books have started a new way of finding bestsellers with book groups at the heart of the decision-making process.

AUDIO: 'Long way to go' for Man United

Yesterday 12:18 pm (21 hours ago)
Manchester United has struck a new loan deal to cut the amount of interest it pays on its huge debts.

German football model is a league apart

Yesterday, 12:10 am
How German football clubs treat their fans differently

How easy is it to hack a smart meter?

1:58 am (7 hours ago)
How easy is it to hack a smart meter?

The tech that's transforming gardening

Yesterday, 12:03 am
The technology that's transforming gardening

TV and tech, learning to live together

Yesterday 12:04 pm (21 hours ago)
TV and technology are learning to live together

Can watches show more than the time?

Yesterday, 12:07 am
Why have we been waiting so long for watches to catch up with smart phones?

Biting Apple: Taxing the big boys?

Thursday, 12:51 am
Europe's tax chief on how to squeeze the corporate Apples

Calculate your inflation rate

Tuesday, 12:03 am
Find out how much your cost of living is going up

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