Our role is to help you to make your money work harder for you and to ensure that you are making the best use of your assets in pursuit of your goals.

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.

As professional advisers, any advice that we give takes full account of any existing policies that you hold and we will not recommend changes unless we feel it is absolutely necessary.

We can provide advice on your whole financial situation or you may just have one policy or one aspect of your finances that you need to clarify and we offer advice in the following areas:

Pensions:

• Setting up and maintaining pension plans
• Reviewing existing retirement plans
• Using methods other than pensions to fund retirement
• Retirement Planning

Investments & Savings:

• Setting up and recommending investment and savings plans
• Child Trust Fund
• Tax-efficient savings such as ISA's / PEP's
• Ongoing management of investment plans
• Reviewing current investment plans
• School Fees Planning
• We can also recommend a stockbroker if appropriate

Wealth Management:

• Inheritance Tax Planning including Wills
• Tax-efficient investment planning
• Tax-efficient property purchase

Mortgages:

• We arrange residential and commercial mortgages
• Mortgage protection
• We can recommend solicitors if necessary

Protection:

• Life Insurance
• Critical Illness
• Income Protection
• Private Medical Insurance
• Mortgages & Mortgage Protection

We offer a range of services from full advice through to execution only depending on your requirements. We can also offer one-off advice or help you to manage your financial affairs on an ongoing basis.

We also offer a range of servicing options which means that we will regularly review your plans to ensure that they remain 'on-track', we will review premiums where applicable to ensure you have a cost effective solution and we will advise you if we feel that your plans should be amended, for example, in view of the latest regulatory changes.

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

We usually find that the best starting point is to arrange an initial meeting, which is free of charge and without obligation, where we can discuss the areas that you would like advice on and outline how we can help you.

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