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>

12:00 am (an hour ago)
The Greek government made "completely unrealistic promises" to voters that it cannot now fulfil, the former European Commission president tells the BBC.
Yesterday 8:13 pm (5 hours ago)
The Conservatives welcome an "unprecedented" endorsement by 100 business leaders - as Labour pledges to tackle the "epidemic" of zero-hours contracts.
Yesterday 10:09 pm (3 hours ago)
The fast-food giant McDonald's says it will raise the pay of more than 90,000 US employees to at least $1 above the legal minimum wage.
Yesterday 10:54 pm (2 hours ago)
US food giant Kraft is being accused by US watchdog the Commodities and Futures Commission of manipulating the price of wheat.
Yesterday, 12:01 am
A number of tax changes come in on 1 April, one of which will mean cheaper flights for many travelling on long-haul flights.
Yesterday 12:00 pm (13 hours ago)
The productivity of the UK workforce remains slightly lower than in 2007, marking an "unprecedented absence" of growth in the post-war era, official figures show.
Yesterday 6:37 pm (6 hours ago)
Labour will end the "epidemic" of zero-hours contracts that are "undermining family life", Ed Miliband insists.
Yesterday 10:38 am (14 hours ago)
Manufacturing and jobs are picking up in the eurozone thanks to the weaker euro, according to a closely-watched survey.
Yesterday 2:48 pm (10 hours ago)
Some of India's richest businessmen have appointed their wives as company directors to comply with a new law.
Yesterday 1:31 pm (12 hours ago)
Google announces that a range of computer-on-a-sticks and laptops costing as low as $149 (£101) are joining its range of Chrome OS devices.
Yesterday 11:55 am (13 hours ago)
People who have large amounts of money in their bank accounts "temporarily" will be soon protected in the event of their bank going bust, the Bank of England says.
Yesterday 11:28 am (14 hours ago)
EU milk quotas are scrapped, bringing an end to more than 30 years of efforts to prevent overproduction.
Tuesday, 9:38 pm
In an attempt to attract more household shoppers, Amazon unveils a button for replenish items such as washing powder and razors.
Tuesday, 6:49 am
Some of the biggest names in entertainment have re-launched the music subscription service Tidal, which they claim will change musical history.
12:00 am (an hour ago)
There is nothing holding Greece back except "sometimes bad politics", says Jose Manuel Barroso, former president of the European Commission.
Yesterday 7:15 pm (6 hours ago)
Steph McGovern speaks to business owners and families in Ottery St Mary about how they feel about the effects of inflation.
Yesterday 6:43 am (18 hours ago)
Business confidence in Japan flounders as last year's sales tax hike continues to hit sentiment.
Yesterday, 12:13 am
Europe has its priorities wrong and should be focusing on what is going on in Ukraine, says billionaire investor George Soros.
Yesterday 2:08 am (23 hours ago)
Comedian and writer Colm O'Regan casts his comic lens upon the complexities of capitalism.
Tuesday, 7:51 pm
Official figures show that the UK economy grew by 2.8% in 2014, the highest rate of growth since 2006.
Tuesday, 8:00 pm
Ahead of the general election, David Cameron has pledged to create 1,000 new jobs a day if he stays in power.
Tuesday, 2:40 pm
The UK state is "relatively large compared to the overall size of the economy" says the Economic Intelligence Unit.
12:00 am (an hour ago)
Have supermarket price wars killed the loyalty card?
12:00 am (an hour ago)
The top 10 questions you need to ask about pension changes
12:02 am (an hour ago)
Will Ethiopia's teff be the next must eat 'super grain'?
Yesterday, 12:06 am
The luxury goods that speak for themselves
12:09 am (56 minutes ago)
The girlfriend and cat watched by home cam
Yesterday, 12:02 am
Can you win at anything with enough practice?

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.

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