Our Services
As Independent Financial advisers, we are able to offer our clients advice on products from every financial product provider in the UK and many offshore. Furthermore, we are able to offer specialist expertise in the field of personal investment, retirement planning, life and critical illness assurance as well as providing additional capital and income for older homeowners. The Section below is split intro two general areas, Corporate, and PersonalServices.
Personal Services
As financial organisations produce ever more new offers, the task of finding products to fit in with your changing needs presents a serious challenge. In such a fast paced society, it can be difficult enough assessing your present requirements and deciding on a course of action, let alone taking any future eventualties into account.
Robson Macintosh provides a confidential, cost-effective and comprehensive service across all areas of financial advice.
1. Pensions: Personal, Stakeholder, Executive, Company, Self-invested.
2. Additional Voluntary Contributions: Company and Free Standing.
3. Retirement Plans: Annuities, Phased Retirement, Income Replacement
4. Estate Planning: Inheritance Tax
5. Investment Strategy: ISAs, Bonds, Unit Trusts, Offshore and Onshore
6. Long Term Saving: Unit Trusts & Investment Savings Plans
7. Risk Insurance: Private Health Care, Income Protection, Long Term Care, Critical Illness
8. Life Cover: Term Assurance, Whole of Life Assurance
Corporate Services
Company pension schemes and related benefits are an increasingly complex area. Depending on whether your business is large or small, a limited company, partnership or sole trader each solution needs to be tailored to your specific needs.
In every case we conduct our financial review to evaluate exisiting arrangements for directors and employees, both whilst working and in retirement.
The introduction of Stakeholder Pensions in April 2001 has had an impact on all businesses employing 5 or more people. We have already implemented numerous group schemes and are more than happy to provide information or advice on the subject.
Employee Benefits
Employees are crucial and invaluable to the smooth workings of a business. At the core of an employee's remuneration package is a well structured, planned and cost effective benefits package. In particular, communicating in a clear and concise manner is the key to ensuring that employees appreciate and understand the arrangements put in place for them. In contrast to our major competitors, we can advise employees as individual clients, whatever the size of the scheme.
A Comprehensive Pension Service
Robson Macintosh provides advice on employee benefit programmes for private and corporate clients. We can advise and recommend providers for all forms of products:
1. Company Pension Plans: Final Salary and Money Purchase
2. Executive Pension Plans: Insured, Self-administered, approved or Unapproved
3. Personal Pensions: Group or Individual, Insured or Self-invested
4. Stakeholder Pensions: Group or Individual
5. Transfers: Analysis, Section 32 Buyouts, Personal Pensions
6. Retirement Plans: Annuities, Phased Retirement, Income Replacement
7. Additional Voluntary Contributions: Company and Free Standing
8. Risk Insurance: Keyperson - protecting the Company's most valuable assets
9. Health Cover: Private Health Care*, Income Protection*
10. Life Cover: Group or Individual
11. Critical Illness: A tax-free lump sum should serious illness strike - Group or Individual
*These products are not regulated by the Financial Services Authority.
Mortgage Services
In the modern world today, few of us can take time out to research and analyse the diverse range of mortgage products on offer. Considering that a mortgage is probably the major purchase you are likely to undertake, it is very important to ensure that the specifications of the mortgage are appropriate for your circumstances and lifestyle.
We provided a comprehensive service to ensure you find the mortgage product you desire from the most suitable mortgage provider. Therefore, the first stage in the process is to examine the following areas:-
1. Detailed Mortgage Background: We carry out a free confidential review of your finances and mortgage arrangements. We also take this time to discuss your personal and financial goals.
2. Mortgage Report: We prepare a mortgage report which contains specific recommendations for you to consider.
3. Administration: Once a course of action has been agreed, we will help you complete all the relevant paperwork and liase between the lender, solicitor and surveyor.
Key business areas are as follows:
1. Mortgage Products: There are thousands; trackers, fixed rate, discount, capped, collared, variable etc. Lenders: There are hundreds; bank, building society, specialist lenders etc. Let us do the hard work and find the best loan for you.
2. Mortgage Related Products: Full independent financial advice on how to repay your loan. What happens if you are ill, made redundant or if you die? We provide advice on investment products such as ISAs, endowments, pensions etc. and have expert knowledge on life assurance, critical illness and accident, sickness and unemployment (ASU) cover. We also advise on buildings and contents home insurance.
3. Mortgage Management: Mortgage products and interest rates are changing frequently and we will monitor these to help you to keep your payments as low as possible.