Investments and Savings

Whether you have a small nest egg or a larger amount to invest, or are looking to start a long term savings plan, there are a range of options available to you.

At Berkeley Morgan we can advise on the best investment opportunities for you from a standalone investment to full portfolio planning. We have specialist advisers who are able to offer advice on a range of options including:

• Open Ended Investment Companies (OEICs), Individual Savings Accounts (ISAs), Unit Trusts
• Venture Capital Trusts
• Enterprise Investment Schemes
• Film Schemes
• Investment Bonds – Guaranteed / High Income / Unit Linked / Offshore / With Profits
• Ethical Investments
• Annuities

Click here to request more information on investment planning.

Pension Planning

Leglislation regarding pension provision in the UK is changing all the time with various initiatives being introduced to simply the options available and make them more accessible.

Whether you have an existing pension plan or are thinking about starting one, our advisers can help you with your retirement planning. The areas we can advise on include:

• Company pensions
• Personal pension plans
• Stakeholder pensions
• Annuities and Open Market Options

There are many different options to consider when planning for retirement, by choosing Berkeley Morgan to help you with your plan you will receive advice from independent advisers who can offer you products and services from the whole marketplace. Please contact us to discuss the different options available to you.

Tax Planning

Paying tax is unavoidable, but there are many ways in which you can mitigate your liability. These may include:

• portfolio planning to take account of the differing tax treatment of various investment types
• benefitting from the tax relief on your pension contributions
• using the tax advantageous savings in an ISA
• minimising Capital Gains Tax and Inheritance Tax bills

To review your tax situation or seek clarification on your tax treatment please contact us. Please be aware that under the Financial Services Act we are not Tax Advisers, but can give assistance, however for tax advice you should seek the advice of a suitably qualified Accountant.

Life and Health Insurance

Getting the best financial protection for you, your family or your business is something we often think about but don’t always get around to but this is where life assurance and other protection policies can help. There is an abundance of choice. The most basic form of protection policy is life assurance but there are many other protection policies available. We offer advice on all forms of life and health insurance including:

• Life Assurance – Life assurance can be set up for a specified period of time (term assurance) or without a fixed term (whole of life). It can be arranged for you or your family.
• Critical Illness Cover – These plans pay out on diagnosis of one or more of a wide range of serious illnesses.
• Permanent Health Insurance – Also known as income protection these policies make up a proportion of income lost through illness, accident or disability.
• Accident, Sickness & Unemployment Cover – This type of policy covers you if you lose your income through illness, accident or unemployment and helps with mortgage and loan repayments.
• Private Medical Insurance – This can cover you for private medical treatment and you may be able to add on extra benefits such as dental cover.
• Business – Protecting your business from the potential financial losses incurred if a key person, partner, shareholder or director should die and / or be diagnosed with a terminal or critical illness.

Many of these covers can be also arranged on a group or corporate basis.

With so many choices and so many options making a decision can be overwhelming. Our specialists can compare the whole market and recommend the products and benefits most suitable for you. To discuss the options available please contact us.

Mortgages

We have mortgage specialists who cover every area of the mortgage market and can offer deals that are not available directly from lenders. Whether you are:

• Purchasing a house or second home
• Are a home owner looking to remortgage or release equity
• A buy-to-let property investor
• Looking to refinance your debts
• Or just want to review your existing mortgage arrangements please get in touch.

Your home may be repossessed if you do not keep up repayments on your mortgage.

General Insurance

Our sister companies, Rapidinsure.co.uk and Universal Provident, can help with a range of products to cover you, your family and your property.

Home – we can help if your home insurance is due for renewal or you are arranging insurance for the first time. Our specialist advisers will make sure that your policy is the right one for you and your property.

Travel – we have a range of policies, from individual single trip cover to annual policies for the whole family, and can help with business and group travel too.

Dental – assistance for you and your family towards NHS and private dental costs.

Click here to request more information on general insurance.