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>

12:48 am (23 minutes ago)
The Silicon Valley entrepreneur and SurveyMonkey Chief Executive Dave Goldberg died of severe head trauma, according to local officials.
Yesterday 9:41 pm (4 hours ago)
Fast-food chain McDonald's announces plans to restructure its business and increase its number of franchised restaurants globally.
Yesterday 6:23 pm (7 hours ago)
US networks force clips of the Mayweather v Pacquiao boxing match offline, but fail to prevent new apps showing live streams of the bout.
Yesterday 1:00 pm (12 hours ago)
Britons are cashing in on the strong pound by buying foreign currency ahead of the holiday season, currency brokers say.
Yesterday 9:28 am (16 hours ago)
Online retail giant Amazon is raising the minimum spend shoppers must make to qualify for its "super saver" free delivery service.
Yesterday 11:02 am (14 hours ago)
Eurozone factory activity grows at a slower pace after manufacturers raise prices for the first time in eight months, figures show.
Yesterday 4:03 pm (9 hours ago)
Drivers for Germany's Deutsche Bahn begin a week-long strike, their eighth walkout in 10 months of wage negotiations.
Yesterday 9:01 am (16 hours ago)
Accountancy firm PricewaterhouseCoopers is to stop using A-levels grades as a way of selecting recruits for graduate jobs.
Yesterday 2:21 am (23 hours ago)
One of Australia's biggest lenders, Westpac, missed expectations and posted a cash profit of 3.78bn Australian dollars ($2.98bn; £1.96bn) for the six months to March.
Yesterday 10:39 am (15 hours ago)
Markets in Asia were mostly up on Monday, following stocks in the US, which ended the week higher after recovering losses.
Saturday, May 2nd, 8:30 pm
Silicon Valley entrepreneur Dave Goldberg, husband of Facebook COO Sheryl Sandberg, dies aged 47, his family says.
Friday, May 1st, 4:30 pm
Evans Cycles has been sold in a deal thought to value the retailer at about £100m.
Friday, May 1st, 5:10 pm
A major global commercial fair - Milan Expo 2015 - opens in northern Italy, but violence breaks out in the city as protesters clash with police.
Thursday, April 30th, 6:37 pm
Apple acknowledges some of the functions on its new smartwatch may not work properly when it is worn over tattoos.
Yesterday 12:17 pm (13 hours ago)
The Chief Executive of the hotels group Six Senses, Neil Jacobs, tells the BBC how his company has adapted to the economic downturn.
Yesterday 8:50 am (16 hours ago)
The AA estimates motorists are losing out to the tune of almost £40m because of the way the new tax disc system works, although the DVLA disputes the figures.
Yesterday 9:41 am (16 hours ago)
Tony Miles from Modern Railway Magazine explains how train companies decide when a train is late and why some trains cannot run on time.
Yesterday 7:17 am (18 hours ago)
China's President Xi Jinping meets the head of Taiwan's ruling party later on Monday in the highest level talks between the two sides since 2009.
Sunday, May 3rd, 10:23 am
New radar technology will enable drones to be detected more easily
Friday, May 1st, 7:11 pm
Telsa Motors, the US company which makes electric cars, has unveiled a new battery it says can power homes using solar panels.
Friday, May 1st, 12:13 pm
How did the Seychelles manage to meet their millennium development goals? The BBC's Lerato Mbele speaks to President James Michel.
Friday, May 1st, 4:55 pm
Two titans of Asian business and technology battle for the contract to build America's first bullet train.
12:01 am (an hour ago)
Will HSBC move back to its original home?
12:01 am (an hour ago)
Getting Africa's jobseekers online and into employment
Yesterday, 12:02 am
Why some in the US are losing their love of McDonald's
Yesterday, 12:30 am
The female Kenyan brewer taking on a global drinks giant
Sunday, May 3rd, 8:00 pm
Manny Pacquiao's fists of economic fury
Yesterday 12:09 pm (13 hours ago)
Greece's undeclared domestic default

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