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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>

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Shares in Royal Bank of Scotland have jumped 11% after it said it expects pre-tax profits to double to £2.65bn for the first half of the year.
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3:20 pm (6 hours ago)
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5:59 pm (4 hours ago)
The Serious Fraud Office (SFO) agrees to a £3m settlement with the business tycoon Vincent Tchenguiz for his arrest in March 2011.
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A travel company goes into administration with the loss of 89 jobs and a knock-on effect on hundreds of customer bookings.
Yesterday 10:49 pm (23 hours ago)
Amazon reports a loss of $126m in the second quarter and warns of slowing sales.
Yesterday, 4:50 pm
The International Monetary Fund (IMF) has lowered its forecast for global economic growth this year, from 3.7% to 3.4% but the UK's forecast is raised.
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US President Barack Obama urges lawmakers to end a tax loophole that allows US companies to avoid paying US corporate taxes.
Yesterday, 4:33 pm
Earnings at the US carmaker General Motors slump because of the cost of vehicle recalls.
Yesterday, 4:35 pm
Barclays challenges legal action brought by US prosecutors alleging fraud in its "dark pool" trading operations.
Yesterday, 8:34 pm
The South African government is fast-tracking a bill to block land sales to foreigners, which could come into effect in 2019.
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Yesterday, 12:11 pm
Hundreds of thousands of people have a week to renew their tax credits or face losing the payments, HM Revenue and Customs says.
Yesterday, 12:00 am
A "relatively benign" rise in interest rates still has the potential to double the number of households facing debt problems, a think tank has said.
Yesterday, 6:13 pm
Newly published banking standards could mean banks have to hold significantly more funds to guard against potential loan losses.
Yesterday 11:18 pm (22 hours ago)
Thousands of workers across Ghana take to the streets to protest about the rise in the cost of living and call for petrol subsidies to be restored.
Yesterday, 12:07 pm
The unemployment rate in Spain falls below 25% for the first time in two years, as the economy begins to grow.
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Real Madrid has topped an annual Forbes list of the world's most valuable sports teams.
Monday, July 14th, 9:13 pm
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The Chancellor George Osborne has said that GDP figures showing the economy is now 0.2% ahead of its pre-crisis peak are a "major milestone".
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Benjamin Lawsky, Superintendent of the New York State Department of Financial Services, is known as the toughest cop on Wall Street.
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Mumbai's grand old Parsi cafes have long been a symbol of the city's diverse cuisine and culture, Sameer Hashmi looks at why they are dying out.
Yesterday, 4:56 pm
Bill Gates calls for an improved audit of international aid in Africa, to ensure it achieves its aims.
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Why the ever rising pound is not all good news
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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