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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>

8:01 am (2 hours ago)
Argentina has defaulted on its debt - for the second time in 13 years - after last-minute talks in New York with a group of bond-holders end in failure.
9:31 am (53 minutes ago)
British Gas and owner Centrica report a sharp drop in profits for the first half of the year due to warmer weather.
9:27 am (57 minutes ago)
Profit at Lloyds Banking Group falls after it is hit by PPI mis-selling charges and a Libor rate-rigging settlement.
9:17 am (an hour ago)
The growth in house prices is starting to moderate, according to the UK's biggest building society, the Nationwide.
12:16 am (10 hours ago)
Manchester United's US owners will pocket about $150 million by selling more of their shares in the club on the New York Stock Exchange.
7:41 am (3 hours ago)
Oil giant Royal Dutch Shell describes its performance as "robust" after its second-quarter profits more than doubled.
9:06 am (an hour ago)
The FTSE 100 gets off to a strong start in early Thursday trading, boosted by a strong crop of results from blue-chip companies.
8:08 am (2 hours ago)
Sony reports better-than-expected profits for the first quarter, helped by robust sales of its PS4 gaming console and a weak Japanese currency.
5:28 am (5 hours ago)
Portugal's troubled lender, Banco Espirito Santo, reports a bigger-than-expected loss of 3.6bn euros for the first six months of the year.
2:40 am (8 hours ago)
Profits at Samsung Electronics fall 20% in the second quarter, hurt mainly by a slowdown in smartphone sales and a strong Korean currency.
8:03 am (2 hours ago)
Tata, India's biggest business group, is set to invest $35bn over the next three years in areas including retail and defence.
Yesterday 7:37 pm (15 hours ago)
The US economy grew by 4% in the second quarter, according to a preliminary reading by the US Department of Commerce, beating expectations.
Yesterday 6:57 pm (15 hours ago)
The big six energy firms are set to double their profit margins over the next year, according to estimates by the regulator, Ofgem.
Yesterday 2:39 pm (20 hours ago)
Bank of England plans to penalise badly-performing bankers could put London at a disadvantage as a financial centre, says banking industry body BBA.
Yesterday 7:15 pm (15 hours ago)
Bank of America's Countrywide unit must pay $1.3bn for selling defective home loans to US government mortgage lenders, a New York judge rules.
Yesterday 4:24 pm (18 hours ago)
Airbus says the market for commercial aircraft is "still very strong" despite a wave of order cancellations.
Yesterday 2:14 pm (20 hours ago)
Nintendo's share price drops after the company reports a bigger than expected loss despite the release of Mario Kart 8 over the period.
Yesterday 3:30 pm (19 hours ago)
A circus group which was denied a Santander business bank account because its showgirl and burlesque acts posed a "moral problem" has now been offered the account.
Yesterday, 10:03 am
Paramount Pictures apologises over a Teenage Mutant Ninja Turtles poster featuring the characters jumping from an exploding skyscraper alongside the release date of 11 September.
Yesterday 1:50 pm (21 hours ago)
HSBC bank writes to Finsbury Park Mosque and other Muslim organisations around the UK giving them notice their accounts will be closed.
Tuesday, 3:18 pm
There has been a sudden jump in the number of individuals becoming insolvent, in the steepest rise since 2010, according to government figures.
Tuesday, 12:57 pm
The number of people taking out mortgages is back on the rise, according to figures from the Bank of England.
Yesterday 2:46 pm (20 hours ago)
Spain's economy is growing at its fastest quarterly rate since the end of 2007, but it is also facing a deflation threat.
Tuesday, 12:40 pm
An oath for bankers should be introduced to raise accountability and standards in banking, says a think tank.
Yesterday, 4:10 am
Japan's factory output falls 3.3% from May to June, the latest sign to highlight that the recent sales tax rise is affecting consumer demand.
Tuesday, 12:03 am
Baggit is one of India's most well-known handbag brands. Founder Nina Lekhi explains how it was created "by mistake".
Monday, 12:01 am
Why two Spanish sisters are growing wheat and baking bread in one of the most arid regions of Spain.
Friday, July 25th, 12:13 am
Three business investors answer our readers' questions about how they judge whether or not to invest in a business venture.
Yesterday 10:39 am (24 hours ago)
The World Cup and a revival in advertising revenues boost profits at the broadcaster ITV.
Tuesday, 4:11 pm
Lawyers for Bernie Ecclestone say the Formula 1 boss is ready to pay a German bank 25 million euros ($34m; £20m) to settle a court case against him.
Tuesday, 12:11 am
A US judge rules that the LA Clippers basketball team can be sold, despite the objections of banned co-owner Donald Sterling.
12:07 am (10 hours ago)
Your experiences of going out for meals on your own
12:07 am (10 hours ago)
How can firms defend themselves against irate reviews?
Yesterday 9:53 pm (13 hours ago)
The tricky business of succession planning in Taiwanese companies
8:15 am (2 hours ago)
Call it something else, says Argentina's president
Yesterday 2:24 pm (20 hours ago)
Which side could be hurt the most?
Yesterday 11:39 am (23 hours ago)
The reindeer herders fighting an iron ore mine in northern Sweden
Yesterday, 12:13 am
The tech firm helping San Francisco's tough Tenderloin area
Yesterday, 12:13 am
Turning Shakespeare's theatre into a living laboratory

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