Financial Adviser Crewe – Lyon & Co LLP
Savings and Investment
Find the right investment opportunities for you!
For specialist financial adviser in Crewe come to Lyon & Co LLP. Why not make your money work for you? With investment advice from Lyon & Co, you may be able to do just that.
Before we begin…
Before deciding on any investment an analysis should be made of your needs. What are you trying to achieve and over what timescale? What level of risk are you willing to take? What are the differences between savings and investments and which might be right for you? Should you build a lump sum by saving regularly or do you have a lump sum but don’t know where best to invest? There are far too many options to include here so do it the easy way. Take us up on our offer to give you a FREE NO OBLIGATION initial savings and investment meeting during which we will help you to assess your attitude to risk and explain your options in easy to understand terms.
Individual savings accounts (ISA’s)
Tax isn’t everything!
Is an ISA a suitable investment for you and if so what type should you have? Just because there are tax advantages doesn’t mean you should have one. In fact, dependent upon the tax position for you and your spouse, there may be no advantage at all. ISA’s can have significant tax advantages when compared to some of the alternatives but tax considerations come AFTER a decision is made to utilise your ISA allowance at all. Find out more and review your existing investments at the same time with our FREE NO OBLIGATION initial savings and investment meeting during which we will help you to assess your attitude to risk and explain your options in easy to understand terms.
An investment bond is technically a single premium life assurance contract although the life cover aspect is minimal. Is an onshore or an offshore bond most suited to your needs? Would you like guarantees in-built into the plan? Should you be sheltering the investment under a Trust? We can help you choose the right investment bond for you and your circumstances if we feel that a bond is suitable. If there are more suitable options we will explain the reasons why.
Unit trusts/Investment trusts
A decision as to whether to invest into which (if any) of these investments will depend entirely upon your needs, objectives and timescales. Either option can provide a simple and cost-effective route into stock market investments and at the same time allow the ability to spread risk. Investment can be made by regular contribution and/or by investing a lump sum.
Under these three sections change ‘The purpose of the Savings & Investment section is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice.’ to “Please note that the above information should not be viewed as a personal recommendation or solicitation to deal”.
The purpose of the Savings & Investment section is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice.
First Time Buyer
Buying a home for the first time is a big deal, and it’s important to be well informed and confident when you finally make the big decision. Lyon & Co offer mortgages from the whole market and not just from a restricted panel. You will need help in working through literally hundreds of available deals as well as the latest first time buyer special offers. We explain the differences between all the different types of mortgages and calculate the sometimes complex costs of each deal. Even if you haven’t found your first home yet please take advantage of our FREE NO OBLIGATION initial meeting during which we will help you to understand the different options.
The mortgage market moves very quickly with new deals being released literally every single day. Things will certainly have changed since the last time you went through it all. Whether you’ve decided to move homes or you’re buying a second property, Lyon & Co can bring you up-to-date on the latest trends and most importantly we source mortgages from the whole market. There are various different ways to reduce the overall cost of your mortgage, sometimes by tens of thousands of pounds so take advantage of our FREE NO OBLIGATION initial meeting during which we will help you to understand the latest options.
You may wish to free up some equity in your home, to raise capital for personal use, or maybe you just want to lower your monthly payments. Our specialist systems source the best remortgage product for you from the most competitive provider. Being well informed about the types of remortgage loans available and about the current state of the housing market will help you choose the right type of loan and the right mortgage lender. Take advantage of our FREE NO OBLIGATION initial meeting during which we will help you to understand the latest options.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF MORTGAGES
Act today to secure your pension for tomorrow
You are never too young to start saving for retirement and you are never too old to make a difference later in life. It’s true that the earlier you take action the more financial freedom you can create for yourself and your family later. It appears to be accepted that we will all be obliged to work later – but is that really true? A whole raft of new pension legislation has recently been introduced so how do the new rules affect you and what are your options now or in the future? Take our FREE NO OBLIGATION initial meeting during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.
PPP, SIPP, AVC, FSAVC, SASS, Auto-enrolment, workplace pension. What does it all mean?
Pension simplification was a term the Government introduced some years ago but most people we speak to haven’t found anything simple about pensions! Generically, a pension is a savings plan on which you get tax relief on contributions, tax free growth in the meantime and tax free cash when you want to take benefits. In practice, pensions are complex, especially now that employers are obliged to make contributions on behalf of their employees. How does a workplace pension fit in with existing plans? The answer is… it depends! Take our FREE NO OBLIGATION pension assessment meeting during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.
New pension rules on annuities are active from April 2017. How are things different to before the change?
Annuities are pretty simple. In exchange for a lump sum the annuity provider will pay a predetermined level of income either for a fixed term or for life. Once in force they cannot be changed, but new legislation provides an escape from an existing annuity after all. How will this work? Should you buy an annuity or look for something more flexible? How would you feel about a guaranteed non-annuity option? Take our FREE NO OBLIGATION pension assessment meeting during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.
Protection means different things to different clients. We might begrudge paying the premiums but one thing is for sure – if you have a problem we sure are glad it’s there! It’s easy these days to simply go online and buy a policy but are you sure you are buying the right protection policy for the right reasons? During your FREE NO OBLIGATION protection assessment, we will assess your needs and make recommendations based on your need (instead of just plucking a figure at random). We back our recommendations up with logical, carefully calculated reasons for the type of cover, the term required and sum assured.
Cover on your life is called life assurance because we are all assured to die at some point, as opposed to car insurance which might result in a claim. Whether you need any cover is dependent upon your circumstances, as does how much cover you need and how long you need it for. We help you to find the best fit for your needs. Take our FREE NO OBLIGATION life cover assessment during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.
Mortgage & Family Protection
Your home is at risk if you are unable to make your regular monthly payments so it is wise to protect the debt with life assurance and critical illness cover. If you die your home is paid for, but how do your family then replace the income you are currently earning? In many cases we can arrange your mortgage cover so that your family are protected too by providing additional capital and/or income. We can even provide (almost) BOGOF twin plans in many cases. Take our FREE NO OBLIGATION mortgage protection meeting during which we will help you to understand your existing plans, decide whether they are still suitable for your needs and recommend any changes which might be required.
Critical Illness Cover
With advances in modern medicine you are likely to survive a critical illness these days and a very high proportion of people who suffer from such problems as cancer survive for many years after diagnosis. Of course, mortgage or rent payments still need to be met, other debts and general family expenses still need covering, as well as the potential finance necessary to adapt your home and/or your car for example. With austerity measures cutting deep into the UK benefit system over recent years (and very little likelihood of a more generous system any time soon) a monthly or one-off sum would make all the difference to the quality of life for you under these circumstances. Take our FREE NO OBLIGATION critical illness assessment during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.
How do people cope financially if they find themselves unable to work as result of an accident or illness? According to research by Unum and Personnel Today, just 12% of employers support their staff for more than a year if they are off sick. Once sick pay ends (or once outstanding invoices are settled for the self-employed), they can then be reliant on State benefits. Incapacity benefit is taxable and it is based on a number of strict objective tests that are applied in deciding whether it can be claimed. Extra benefits, such as income support are only paid if the claimant’s income is very low indeed and many benefits are paid more or less at the discretion of the Department of Social Security. Take our FREE NO OBLIGATION income protection assessment meeting during which we will help you to understand your existing plans, the latest changes, how they impact on you and what you can do about it.