Alan Eaton Financial Services Limited
Manchester
(1)
Manchester
(1)
Financial Advisers based in Manchester with over 30 years experience providing friendly, professional Financial Advice. We specialise in Pensions, Investments and Protection.
1 customer review
Paul Dalby
Honest and genuine guidance from guys who know their product and believe in it. I have seen great results over the last 3 years or so and feel happy about where my once pitiful pension fund was and where it will be in a few years when I retire. There have and will be ups and downs and I write this in the midst of Covid 19 pandemic but I trust the decisions made and the plans for growth in the medium and long term. They do monitor and listen to the best advice; I’m informed regularly and am given options based on that research. I would - and have recommended Alan Eaton Financial Services to my friends and family. More...
Why should our clients choose you?
We have over 30 years experience in Financial Services and offer a friendly, personal service to our clients. Our clients best interests forms the basis of all of our advice. We ensure that any advice provided is tailored specifically to our clients, by fully understanding their needs and requirements.
Pension Advice
We specialise in Pensions and provide Pension Reviews to help our clients fully understand their policies and the options available to them.
We provide personalised, whole of market, tailored advice to our clients to ensure that their Pension plans are working harder for them, in order to maximise the funds they can receive in retirement. This allows our clients to take control of their situation, which not only benefits them, but also their family.
With regards to the Pension Review we will look at the charges, performance and structure of the Pension plan to establish whether the current contract is best one for you.
We offer advice on Personal Pensions, Stakeholder Pensions, Group Personal Pensions and Workplace Pensions and advise on Pension Transfers if this is in our clients’ best interests.
We also provide advice surrounding accessing Pension Benefits. The rules changed in 2014, which meant that people can now access their Pensions flexibly which includes taking tax free cash, lump sums, an income or a combination of all of these. However, older contracts pre-2014 may not offer the flexibility which many clients may decide will work best for them.
A Pension Review would establish what options are available to you when you decide to access your plan.
Investments
ISAs, Bonds and General Investment Accounts (GIA).
We help our clients to maximise their tax allowances and the returns on their hard earned savings.
The current ISA allowance (2020/21 tax year) is set at £20,000. This means that you can invest up to £20,000 each tax year into an ISA, and any growth will be free from tax. In other savings vehicles Income Tax could be payable, so utilising your ISA allowance is something that we can help you with.
Cash deposits with Banks traditionally yield low returns, so we look to establish what options are available to our clients in order to ensure their money is working harder for them.
Some clients will already have Stocks and Shares ISAs or savings which are invested. We offer a review of these investments to establish the charges, performance and returns of these investments to advise on whether any current investments are the best solution.
We also advise on Bonds, Investment Plans and General Investment Accounts which can be invested and designed to provide returns better than cash deposits, and above inflation
Protection
Protecting yourself and your family from any unforeseen circumstances is something which should be at the forefront of your planning. There are a wide range of protection policies which are available, which can be taken out to ensure your family is fully protected.
Family Protection – This is Life Insurance based on a specific amount or Term (length of time). For example, a client, who has a partner, may want to protect their family for £200,000 should one of them pass away. If the client is aged 37, and has a retirement date of 67, they may wish to take out a policy for 30 years. This means that should one of them pass away first, the policy would pay out £200,000 to the surviving partner to ensure the family receives a lump sum.
Mortgage Protection – This is Life Insurance based on covering the outstanding amount owed on a Mortgage over the specified term of the Mortgage. For example, a client may have a Mortgage of £110,000 over a 25 year Term on a Repayment basis. They may want to take out an Insurance policy which covers them for the amount of the Mortgage on a Decreasing basis over the 25 year term, which means the level of cover will decrease each year in line with the Mortgage.
This can also be done on a Level Term basis, which means the amount of cover will not decrease each year over the 25 years.
