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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>

3:02 am (2 hours ago)
Energy price comparison sites should compensate customers who changed to tariffs that may not have been the cheapest deals, MPs say.
2:47 am (3 hours ago)
First-time home buyers aged under 40 in the UK can now register to buy new homes at a discount of up to a fifth off the normal price.
Yesterday 5:15 pm (12 hours ago)
Lloyds Banking Group confirms that it will resume paying dividends to shareholders for the first time since the financial crisis in 2008.
Yesterday 11:29 am (18 hours ago)
The gap between the most expensive and cheapest regional average house prices in England and Wales is more than £350,000, figures show.
Yesterday 5:01 pm (12 hours ago)
Russia's president says he is cutting the salaries of his staff by 10%, as Russia's finances are hit by low oil prices and Western sanctions.
2:50 am (2 hours ago)
Indian Prime Minister Narendra Modi's government is due to unveil its first full budget in what is seen as a key test of his appetite for reform.
Yesterday 1:53 pm (15 hours ago)
An unofficial passport website has sued more than 150 of its own customers after they tried to cancel or refused to pay believing they had been misled.
Yesterday 7:30 pm (10 hours ago)
Volkswagen reports a sharp jump in annual profits as revenue hits €200bn, but warns of tough market conditions this year.
Yesterday 6:52 pm (10 hours ago)
Companies wanting to run rail franchises in the north of England must scrap Pacer trains, the Department of Transport confirms.
Yesterday 9:43 pm (8 hours ago)
The slowdown in the US economy at the end of last year was more pronounced than previously thought, official figures show.
Yesterday 1:27 pm (16 hours ago)
International Airlines Group (IAG) reports a big jump in annual profits and raises its forecast for 2015 after a "remarkable" turnaround at Spanish airline Iberia.
Yesterday 1:34 pm (16 hours ago)
The cost of first and second class stamps are each to rise by 1p from 30 March, Royal Mail announces.
Yesterday 4:45 pm (13 hours ago)
French aviation firm Airbus reports a big jump in full-year profits despite setting aside €551m (£401m) for delays on its A400M military aircraft.
Yesterday 12:28 pm (17 hours ago)
German MPs vote overwhelmingly to extend financial aid to Greece by another four months, despite public scepticism.
Yesterday, 4:06 am
MPs say Chancellor George Osborne's claim to have "halved" the UK's £1.7bn EU budget surcharge last year is "not supported by the facts".
Yesterday 6:38 pm (11 hours ago)
Ed Miliband says £9,000 tuition fees in England have been a "disaster" and promises Labour would fund a reduction by cutting tax relief on high earners' pensions.
Thursday, 1:50 pm
A judge rules that airline Jet2.com cannot delay the payment of compensation due to passengers for delayed flights, setting a precedent for thousands of similar claims.
Thursday, 11:21 am
The TV licence does not have a long-term future and is likely to be replaced by a new levy within the next 15 years, a group of MPs says.
Wednesday, 1:21 pm
More properties were owned outright than with a mortgage among households in England for the first time in 2013-14, but renting is higher among the young, figures show.
Yesterday 9:37 pm (8 hours ago)
Greek PM Alexis Tsipras denies his country will need a third international bailout, and vows to "start working hard" to change the country.
Thursday, 7:14 pm
Ghana has secured a $1bn loan from the International Monetary Fund that could stabilise its troubled economy.
Thursday, 10:43 am
Business investment in the UK falls for the second quarter in a row, recording the biggest decline since 2009.
Thursday, 12:08 am
Polo is one of the most popular sports in Argentina, yet unlike football or rugby most of the businesses that keep the game going are small homegrown companies.
Wednesday, 12:05 am
Becoming your own boss is many people's dream, but what's it really like to start a business from scratch?
Monday, 12:16 am
How Mexican immigrant Jordi Munoz set up the largest US-based drone manufacturer, a company called 3D Robotics.
Wednesday, 9:28 am
Fifa says it will not pay compensation to clubs and leagues unhappy about plans to play 2022 World Cup in November and December.
Thursday, 10:05 pm
Chelsea sign a five-year shirt sponsorship with a Japanese tyre manufacturer worth a reported £40m per year.
Wednesday, 8:28 am
Bus tycoon James Easdale resigns from Rangers' board following fan pressure against the current Ibrox regime.
Yesterday 3:05 pm (14 hours ago)
Airbus chief executive Tom Enders tells the BBC's Aaron Heslehurst there is a ''positive outlook'' for the A380 superjumbo, claiming ''airlines love it, customers love it''.
Yesterday 8:26 pm (9 hours ago)
Close to one million men are now choosing to reduce their hours and take part-time employment. Emma Simpson reports.
Yesterday 11:36 pm (6 hours ago)
India is forecast to overtake China to become the world's fastest-growing large economy next year.
Yesterday 3:20 pm (14 hours ago)
Can an initiative to promote equality for women in the UAE really make a difference?
Yesterday 11:36 am (18 hours ago)
How the Zimbabwean government is pushing platinum miners to build a refinery.
Yesterday 8:00 am (21 hours ago)
Taofick Okoya sells up to 9,000 of his Queens of Africa dolls a month and claims to command about 15% of the market.
Yesterday 2:49 pm (14 hours ago)
Wanted for war crimes, Sudan's President Omar al-Bashir attends the first major weapons fair since the 2014 UN arms trade treaty.
Yesterday, 3:23 am
As the US tweaks its web regulations, Cuba is looking to radically update its internet infrastructure.
Yesterday 10:30 pm (7 hours ago)
Meet the men opting to work less than a full week
Yesterday 10:26 pm (7 hours ago)
Has the music died for Brazil's middle class?
Yesterday 10:20 pm (7 hours ago)
Keeping cinema affordable after Orange Wednesday's demise
Yesterday, 12:01 am
The tech combating job applicant fraud
Yesterday, 12:04 am
Has nuclear power had its day?
Yesterday, 12:05 am
Are tablets losing their appeal?
Yesterday, 12:35 am
Will Narendra Modi be India's Thatcher?
Thursday, 8:35 pm
Can India's government conjure up a cost-cutting budget?

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