You want the best advice, both for now and in the future. We want to provide you with the best advice available.

To achieve this we insist on being independent of any insurance company, bank or building society and do not accept payment of commission as a benefit. This ensures lhat other incentives do not influence the advice you receive.

There is much uncertainty about what is happening now and, more importantly, what is going to happen. Our main aim is to reduce that uncertainty for you.

For example, you may want to know more about:

• Your Income in Retirement - are you going to have enough for the future; how can you enjoy the lifestyle you want?
• Taxes on Income and Savings - are you paying too much and could you pay less?
• Inheritance Tax - what are the rules; how can you ensure that your family or charity receive the gifts you intend and reduce or avoid the impact of this tax?
• Wills - do you have one and if so is it still appropriate? Are you happy to pay unnecessary Inheritance Tax or to allow a faceless state official to take over the running of your affairs if you lose your mental faculties?
• Long-Term-Care - what would be the options available for you; can an existing need be addressed in another more effective, sustainable way?
• Investments and savings - what is your investment risk attitude and does it match with what you are cuirently doing - are you getting the reward you deserve? What are the really no-risk investments and how safe are the banks?
• Lifetime Mortgages - is there one which meets your needs, whilst addressing your concerns about security?