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>

8:14 am (an hour ago)
One-off charges, including pulling out of Brazil, hit the global banking giant's annual results.
8:00 am (an hour ago)
Philip Hammond meets Conservative backbenchers to hear about firms that would lose out under business rate plans.
9:14 am (31 minutes ago)
Rising commodity prices help two of the world's biggest mining companies report strong profits.
12:01 am (10 hours ago)
The Women and Equalities Committee calls government response inadequate and deeply disappointing.
Yesterday 8:15 pm (14 hours ago)
VW's top UK executive says most UK cars affected by the diesel emissions scandal are yet to be mended.
Yesterday 5:09 pm (17 hours ago)
Takeover talks should not make Vauxhall workers worry about their jobs, the business secretary says.
8:45 am (an hour ago)
News of a special dividend from Intercontinental Hotels Group fails to lift the UK share index.
Yesterday 3:58 pm (18 hours ago)
Eleven million people in Defined Benefit pension schemes could see their benefits watered down.
Yesterday 1:37 pm (20 hours ago)
People with good qualifications and higher earnings make up 57% of the new self-employed, a report says.
Yesterday 11:57 am (22 hours ago)
Unilever shares slide as US food giant abandons £115bn bid for Unilever, its Anglo-Dutch rival.
Yesterday 6:03 pm (16 hours ago)
Germany's finance minister hints that deadlock between the EU and IMF over Greece may be resolved.
Yesterday 4:15 pm (18 hours ago)
Passengers forced to put hand luggage in the hold are losing out, says consumer group Which?
Yesterday 1:48 pm (20 hours ago)
The carmaker's pension scheme is one of the UK's largest and is estimated to have a £1bn deficit.
Yesterday 10:13 am (24 hours ago)
AkzoNobel, the owner of Dulux paints, plans to expand its research operations in Gateshead.
12:08 am (10 hours ago)
Children's birthday parties are getting expensive in some countries - but how much would you spend keeping up with the Joneses?
Yesterday 2:48 pm (19 hours ago)
Migrant workers have signed up to a labour boycott to highlight the role they play in British society.
Yesterday, 12:14 am
Richard Longhurst, co-founder of Lovehoney, a sex toy business, shares his business advice.
Friday, February 17th, 10:37 am
A fish and chip shop owner explains how the business rate changes affect him
Friday, February 17th, 9:01 am
British Retail Consortium boss Helen Dickinson says new business rates are not "fit for purpose".
Friday, February 17th, 11:25 am
Colm O'Regan takes a look at national image and, in particular, Ireland as a global brand.
Thursday, February 16th, 10:32 pm
Facebook founder Mark Zuckerberg spoke to the BBC's Kamal Ahmed off-camera. What did he tell him?
Friday, February 17th, 12:12 am
Do firms need a chief executive to lead them? Staff at Swedish firm Crisp explain why they decided to bin the boss.
Yesterday, 12:11 am
Single malt Scotch whisky tops £1bn worth of exports for the first time in 2016.
Sunday, February 19th, 8:46 pm
The US rocket company sends a cargo ship to resupply the International Space Station.
12:08 am (10 hours ago)
How cloud computing is speeding up the development of potentially life-saving drugs.
Yesterday, 12:12 am
Catherine Gazzoli is producing a range of organic baby food influenced by her Italian roots.
Saturday, February 18th, 11:35 pm
Facebook last week doubled its bereavement leave allowance for its staff. Employees can now take up to 20 days off on full pay. Is it enough?
Yesterday, 1:47 am
The story behind the compiler, a remarkable innovation that made modern computing possible.
Friday, February 17th, 3:22 pm
Some businesses will see their rates change on 1 April 2017.
Friday, February 17th, 12:05 am
UK air traffic control is investing £600m in a new cloud-based system to cope with rising demand.
Friday, February 17th, 12:13 am
Do firms really need one person in charge? Staff at Swedish firm Crisp explain why they decided to bin the boss.
Thursday, February 16th, 1:46 pm
Iceland is the UK's favourite online supermarket, says consumer group Which? so is it now "cool"?
Thursday, February 16th, 12:14 am
Will a merger of Essilor and Luxottica be too big for the public good?
Thursday, February 16th, 12:18 am
Following the demise of the seal-hunting trade, Norway is focusing on a new Arctic gold rush.
Wednesday, February 15th, 12:04 am
Guinea pigs may be seen as pets in the UK, but in Peru they are an increasingly popular delicacy.
Wednesday, February 15th, 12:02 am
How tapping into a growing middle class in emerging markets saw Tupperware Brands go from failing to a global phenomenon.
Tuesday, February 14th, 12:33 pm
Donald Trump's election victory has had let to a spike in business for online dating site eHarmony.
Wednesday, February 15th, 10:30 am
An international ranking puts Montreal as best world city for students, overtaking Paris.
Tuesday, February 14th, 12:00 am
Drivers using mobile phones on the road are four times more likely to have an accident - but can apps also make us safer?
Tuesday, February 14th, 12:03 am
It's no good artisans making beautiful luxurious items, if they don't know how to sell them. One mentorship scheme is trying to address the gap.
Monday, February 13th, 3:06 pm
Resolution Foundation figures take household income after housing costs.
Monday, February 13th, 12:12 am
The woman who uses blockchain technology to prove where food comes from.
Monday, February 13th, 12:04 am
How Australian entrepreneur Matt Barrie set up and grew website Freelancer, which links people who need tasks done with others who bid for the work.
Monday, February 13th, 12:35 am
How mobile technology is profoundly changing access to money in the developing world.
Sunday, February 12th, 12:53 am
Spotify may be "too big to fail", according to Billboard magazine, but the clock is ticking as the company hatches its plans to go public.
Friday, February 10th, 11:16 am
What is the so-called "gig" economy, a phrase increasingly associated with employment disputes?
Friday, February 10th, 12:12 am
Some company bosses are going to extremes to raise money for charity, but should they do more?
Friday, February 10th, 12:05 am
How roboticists and programmers are trying to make their creations more empathetic and "human".
12:03 am (10 hours ago)
Disabled people will get a new chance to be heard in business, thanks to a government initiative.
12:18 am (9 hours ago)
Brazilian Ricardo Shimosakai is a tourist agent who specialises in finding holiday packages for people with mobility issues.
12:57 am (9 hours ago)
How a professional chef with ataxic cerebral palsy is struggling to make his artisanal bakery work.
Yesterday 12:32 pm (21 hours ago)
Kelly Perks-Bevington, who has spinal muscular atrophy type 3, says in the past she may have let her disability hold her back in business, but not anymore.
Sunday, February 19th, 9:46 pm
Tractor driver Matthew Evans had his machine specially adapted so that he could carry on working after an accident left him paralysed.
Sunday, February 19th, 9:47 pm
One Indian aromatics firm is actively recruiting blind people - for their sense of smell.
Sunday, February 19th, 9:46 pm
Tackling an industry that trades on perfection with a talent agency for disabled actors and models.
Friday, February 17th, 12:10 am
Up to 1.2 billion people around the world live with some sort of disability - and businesses are increasingly realising they have a lot of spending power.

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