Financial Services

The Pearson Ferrier Financial Services team have a wealth of experience and knowledge in the many and varied sectors of the financial/investment market and are able to offer advice on a wide ranging variety of subjects such as; mortgages, insurance, pensions and investments.

From First Time buyers to those planning for retirement we would like to think we are the best placed to offer, expert and impartial advice on a whole range of financial services, for more details on any particular requirement you may have, we have listed below the topics we cover in more detail. Once you have the found the subject you are looking for please contact us to arrange to meet and discuss how we may able to help.

Our office email is [email protected] and telephone number is 0161 452 7032.

Mortgages

A mortgage is often one of the largest commitments that you can make and therefore an important decision that requires careful consideration. Whether you are seeking a mortgage for a new purchase, a buy-to-let property, or simply wish to review your existing arrangements to determine whether they are still competitive; our advisers offer the experience and resources to help you find the right mortgage that is applicable to your current needs and circumstances.

Our mortgage consultants use software which provides access to lenders who represent the whole of the UK market, resulting in impartial advice and delivery of competitive rates.

Pensions

Retirement may be a long way off, or it may be just around the corner, either way planning for your retirement is one of the most important areas of financial planning.

It can be a complex process that continually evolves.

Your pension provisions may include a range of plans, products and investments which could be affected at any time by changes in your circumstances, markets or legislation. Equally your pension may not derive solely from a pension fund, but could incorporate a number of asset classes.

“The best performing pension could produce more than three times more annual pension than the worst performing one. The really bad news is that your pension fund is more likely to be among the bad than the good.” – The Observer

Our team of financial advisers have considerable experience in this area and are able to provide pension solutions that suit your individual needs.

Key areas we can help you with are:-

• Provide a concise and clear analysis of your present situation taking into account investment targets and attitude to risk
• Develop pension strategies incorporating tax planning opportunities
• Ensuring you have an adequate retirement income
• Projecting the impact of an earlier or late retirement age
• Understanding your retirement benefits
• Managing future capital
• Using business assets for your retirement
• Protection

Typically individuals will pay more attention to insuring their assets than insuring their income or providing appropriate cover in the event of their death or critical illness. This may be because individuals have a reluctance to consider such an event or that they have the perception that the welfare system will provide for them. However, the facts suggest that an early death or a critical illness are a real threat and the welfare system will provide only limited assistance.

Insurance Protection

Typically individuals will pay more attention to insuring their assets than insuring their income or providing appropriate cover in the event of their death or critical illness. This may be because individuals have a reluctance to consider such an event or that they have the perception that the welfare system will provide for them. However, the facts suggest that an early death or a critical illness are a real threat and the welfare system will provide only limited assistance.

Insurance protection comes in three main guises, life assurance, income protection and critical illness cover. Our consultants are able to guide you through the different types of protection once they have established your exact requirements.

Investments & Savings

When selecting the most appropriate savings and investments schemes, it is important to consider not just the funds available but also your individual circumstances and requirements. This is why we have developed a robust investment process to ensure that our clients fully understand the concept of investment risk before they undertake any investment decisions.

Some of the main categories of savings and investments that we advise on are:-

• Cash
• National Savings
• Fixed Interest Securities
• Individual Savings Account (ISA)
• Collective Equity Investments/Unit Trusts
• Open Ended Investment Companies (OEIC’s)
• Investment Trusts
• Equity Based Investments
• Pensions
• Tax Efficient Investing

The Advice Process

Each individuals needs are unique and are treated as such.

Pearson Ferrier Financial advisers’ provide:

• Appropriate fact find and analysis of your individual financial situation
• A detailed personal report recommending the appropriate action required
• Follow up consultation to discuss report and recommendations
• Comprehensive implementation service if required
• We are committed to providing financial planning solutions to meet your needs that are advice led, not product driven
• Our objective is to provide you with a professional and value added service

Pearson Ferrier Financial Services is a trading style of CJP Financial Services Ltd. CJP Financial Services Ltd is an appointed representative of Intrinsic Financial Planning Ltd which is authorised and regulated by the Financial Services Authority.