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>

10:36 am (6 minutes ago)
Britain's five biggest business lobby groups unite to call for swift action on transition plans.
9:13 am (an hour ago)
The UK's largest owner of broadcasting masts, Arqiva, plans to float on the London Stock Exchange.
12:03 am (11 hours ago)
Dividends are set to hit a new record this year, boosted by higher payouts from mining firms.
7:46 am (3 hours ago)
Investors bet on a continuation of Prime Minister Shinzo Abe's economic policies.
8:56 am (an hour ago)
Import ban on Roquefort, Brie, Danish Blue, Gorgonzola and Stilton to be lifted immediately.
8:52 am (an hour ago)
The Japanese firm agreed last month to sell its chip unit to cover heavy losses at its US nuclear unit.
12:20 am (10 hours ago)
Philip Hammond is urged to help companies prepare for Brexit and not prioritise 'giveaways'.
9:01 am (an hour ago)
Private hospital chain Spire shares jump on news of a rejected bid from South Africa's Mediclinic.
9:41 am (an hour ago)
The cost of driving in central London will almost double for some motorists under the new scheme.
4:58 am (6 hours ago)
Most respondents to a survey said no-one should have to work for more than four weeks without pay.
1:00 am (10 hours ago)
One in five TV adverts during football matches are for gambling, the Victoria Derbyshire show finds.
Yesterday 5:25 pm (17 hours ago)
The cabinet minister says a lack of affordable housing is the "biggest barrier to social progress".
Yesterday 4:25 pm (18 hours ago)
Communities Secretary Sajid Javid floats idea of borrowing more to help boost housing construction.
Yesterday 12:43 pm (22 hours ago)
Emily Thornberry predicts the UK's "intransigence" will stop agreement being reached with Brussels.
Friday, October 20th, 10:16 pm
With the economy on an uncertain footing, but inflation crushing wage growth, should rates rise now?
Friday, October 20th, 7:22 pm
Officers are looking into a division of the bank set up to help failing firms, the BBC understands.
12:04 am (11 hours ago)
CEO Secrets: What a professional business advisor learnt from running his own firm.
Yesterday, 10:04 am
Wages are at their lowest level since 2006 when inflation is taken in to account.
Friday, October 20th, 12:24 am
The BBC's Aaron Heslehurst explains how the paper clip became a million dollar idea and inspired a resistance movement.
Friday, October 20th, 12:39 pm
Liberia's economy relies heavily on money sent home by family members living abroad.
Friday, October 20th, 10:55 am
A lack of postal addresses in Ghana has prompted authorities to introduce a digital solution.
Friday, October 20th, 12:27 pm
Next boss and Tory peer Lord Wolfson says a six-week wait for benefit payments "must be wrong".
Thursday, October 19th, 3:37 pm
French cosmetics chain Sephora is using augmented reality so that customers can try on make-up virtually, before buying it.
Wednesday, October 18th, 8:26 pm
Tesco has announced it will start selling green satsumas but would you be willing to eat them?
10:15 am (27 minutes ago)
It is claimed one life a week could be saved in Wales if cheap alcohol sales are banned.
Yesterday 11:46 am (23 hours ago)
Twenty-First Century Fox knew O'Reilly had settled a harassment allegation when he was rehired.
12:02 am (11 hours ago)
The country music star has taken a business-like approach to her career and says other artists should do the same.
12:02 am (11 hours ago)
The father of double-entry bookkeeping wrote the definitive guide in 1494.
Yesterday, 12:37 am
The "wonder from down under" has been free from recession for more than a quarter of a century.
Friday, October 20th, 12:08 am
Online retailers have a shop window to the world, but how do you handle all those payments?
Thursday, October 19th, 12:11 pm
Milwaukee is historically famous for its beer and its motorcycles, but now its basketball team is hoping to fly the flag for the US city.
Thursday, October 19th, 12:22 am
A ban on the import of waste in China is about create a major blockage backing up through the global waste disposal system
Wednesday, October 18th, 12:41 am
How Canadian winemaker Norman Hardie is able to make award-winning wines, despite winter temperatures so cold it can kill his vines.
Wednesday, October 18th, 12:24 am
Health risks and job losses are among the harms many in China face in the push for economic change.
Wednesday, October 18th, 12:46 am
A student who faced torture and imprisonment in Syria's civil war is starting her life again at a university in Canada
Tuesday, October 17th, 12:30 am
What's the best way to sell online? And how do you make sure your website really works?
Tuesday, October 17th, 12:20 am
The social entrepreneurs innovating a clean water solution for Bangladesh's arsenic poisoning crisis
Monday, October 16th, 12:49 am
Paresh Davdra developed his successful money exchange firm from the ground up.
Monday, October 16th, 12:48 am
Designed in 1775, the S-bend was key to the flushing toilet, and public sanitation as we know it.
Friday, October 13th, 10:24 pm
The industrial crisis at Kobe Steel is deepening but some warn it won’t be the last Japanese business scandal.
Friday, October 13th, 10:19 pm
Formula One teams' costs have soared after rules changes designed to make for closer competition.
Friday, October 13th, 12:06 am
Just 13% of US academic economists are women - and only one has won the Nobel Prize in economics. Why are women so under-represented in the profession?
Friday, October 13th, 12:09 am
How apps using image recognition are helping farmers identify crop diseases.
Thursday, October 12th, 12:11 am
A growing number of firms are crafting bikes using wood, but some cyclists remain wary
Wednesday, October 11th, 1:30 pm
Where we are, and where we want to go is at the heart of many of the world's most innovative businesses.
Wednesday, October 11th, 12:05 am
Michael Eisner is using is expertise in the US entertainment industry to turn around Portsmouth FC.
Wednesday, October 11th, 12:00 am
What solutions would work best to deal with our growing coffee cup waste mountain?
Wednesday, October 11th, 12:08 am
The countries where most girls don't even get to start primary school.
Tuesday, October 10th, 12:23 am
This Bangladeshi doctor who turned a shampoo bottle into a low-cost lifesaver
Tuesday, October 10th, 12:28 am
Can a wave of disruptive ideas change our shopping habits?
Tuesday, October 10th, 12:30 am
Carbon emissions contribute to global warming, so could tech that removes them from the air slow the process?
Monday, October 9th, 4:27 pm
Five ways the theory behind this year's Nobel prize for economics may have influenced your behaviour.
Monday, October 9th, 2:45 pm
How Munaf Kapadia runs a successful "pop up" restaurant at his family home in Mumbai.
Monday, October 9th, 12:08 am
British scientists played a key role in developing radar, which has helped deliver safer skies.
Friday, October 6th, 12:12 am
Carmakers are increasingly sending vehicle software updates wirelessly, but how risky is this?
Thursday, October 5th, 12:24 am
Some film memorabilia fetches millions at auction, but it can cost nothing to start a collection.
Wednesday, October 4th, 12:16 am
Could niche perfumes made by artisan houses be the saviour for the struggling fragrance industry?
Wednesday, October 4th, 10:04 am
Sheikha Hind provides a modern face for the wealthy, blockaded Gulf state of Qatar.
Wednesday, October 4th, 12:23 am
International students are increasingly looking outside the US to pursue graduate business education.
Tuesday, October 3rd, 12:13 am
Meet the engineers who create ice structures in India's far north, to try to solve persistent water shortages.
Tuesday, October 3rd, 12:19 am
5G broadband could be 10 times as fast as 4G and underpin many new technologies of the future.
Tuesday, October 3rd, 12:24 am
From take-off to final grounding, the airline has seen the best and worst of times in the airline industry.
Monday, October 2nd, 3:30 am
There are lots of reasons to fight for gender equality - but could hiring more women make you more money?
Monday, October 2nd, 12:34 am
Asking customers what they wanted profoundly changed how retailers sold their goods.
Monday, October 2nd, 12:41 am
Greg Steltenpohl founded one of America's best-known smoothie brands, but almost lost everything after a major corporate crisis.
Friday, September 29th, 10:00 pm
Banks are investing in the centre of cities like Manchester, but are closing branches in the suburbs.
Friday, September 29th, 3:23 pm
A rise in interest rates would be good news for savers, but bad for borrowers. How would a rise of 0.25% affect you?
Friday, September 29th, 12:20 am
Japanese researchers are developing new light-but-strong materials combining wood pulp and plastics.
Wednesday, September 27th, 4:33 pm
The UK's sugar beet industry plans to ramp up production as EU quotas come to an end after 50 years.
Thursday, September 28th, 12:20 am
More businesses are embracing the 'buy one, donate one' model, but can they also turn a profit?


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


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


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.


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.


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.


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.


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.


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