Whether you are a sole trader or a large company we can help you with advice and implementation of a wide range of benefits.

We can provide any level of service from full consultation to execution only depending on your requirements.

We are also happy to work with your existing solicitors and accountants.

As we are independent financial advisers, we are able to give objective help and advice and we offer a genuine fee-paying option. Please see our section on How We Work for further details of this.

It is very difficult to give an indication of cost without knowing more about your requirements and circumstances.

We usually find that the best starting point is to arrange an informal, no obligation meeting to discuss your requirements. Following this meeting we should be able to give you an indication of costs.

Please feel free to call Ray for an informal discussion on 01256 329949 or alternatively please email us at info@candpifa.co.uk

The areas that we cover include:

Business Protection:

• Key Person Cover
• Shareholder Protection (in conjunction with your solicitor)

Helping to devise tax-efficient remunerations strategies in conjunction with your accountant

Employee Benefits including:

• Pension schemes – group, executive and Stakeholder
• Private Medical Insurance
• Death In Service
• Group Income Protection
• Financial Advice for Employees

Financial Planning:

• Inheritance Tax / Succession Planning
• Investment of spare capital
• Commercial mortgages – including using pension funds to help purchase commercial property
• Pension schemes including Stakeholder and Group/Executive schemes

Advice can be given on a one-off execution only basis, for example, to help you comply with current Government legislation on the need to provide access to a pension facility to employees or we can work together on an ongoing basis to help you provide an employee benefits scheme.

Payment for our services can be by fee, commission or a combination of both.

Please feel free to call Ray for an informal discussion on
01256 329949 or alternatively please email us at info@candpifa.co.uk