First Option for Independent Financial Advisers

Personal Financial Planning

Personal financial planning is something that affects us all at some stage in our adult life, often in different ways. When we are young we tend to work as hard as possible to set up a base for a future standard of living.

We take out a mortgage - often the first contact we have with the complications of the financial world. Insurance and savings come next, protection if the family loses a breadwinner and paying for the upbringing and future education of children is another, and during all this we have to think about what we are going to live on when we stop working.

Tax is another worry, with none of us wanting to pay too much but neither do we want to fall foul of the Inland Revenue. We spend many years and much time and effort acquiring our wealth, keeping hold of it is another concern.

As we get older, our financial planning needs change along with our circumstances, and what may have been appropriate in the past may no longer be relevant.

The following is a list of some of the products and services that most people have a need for at some time in their lives :-

Life assurance, on a term or whole of life basis

Income protection

Individual Savings Accounts

Unit trusts

Investment trusts

School or university fee savings plans

Pensions

Annuities

Friendly society plans

Long term care plans

Critical illness assurance

With literally hundreds of companies all trying to convince us that their range of products can satisfy all of our needs, the need for objective, independent advice has never been greater.

At FirstOption, we pride ourselves on providing a quality service and advice of the highest professional standard, with no bias towards either a particular product or a provider.

If you would like more information, send an e-mail to advice@firstoption4u.co.uk or telephone us on (02920) 811532. Or fill out the form on the contact page