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Our Services
Financial Planning Service
Financial planning addresses all areas of your finances as your life changes, including protecting your family, mortgage, income & expenditure, retirement planning, long term care planning, pensions, investments, inheritance tax planning and much more.
This involves your adviser understanding your current arrangements and reviewing them to ensure that they fit in with your current aims and objectives. We will tell you whether your current arrangements are meeting your needs or not and, just as importantly, advise on the best way forward for you.
Plans then need to be reviewed regularly, at least once a year and of course when your situation changes. This could be an inheritance you receive or the birth of a child.
To us at Adanac the most important aspect of financial planning is advice not a product sale.
Investments & Savings
We cover all types of investments from deposit accounts to multi-million pound share portfolios. We first look at what you have and what you are trying to achieve. We try and ensure that, wherever practical and clearly in your best interests, we try to ensure that matters are simplified and then managed on an ongoing regular basis.
Areas of Investment we specialise in:
- Investments for growth or income
- Trusts & Power of Attorneys (EPAs & LPAs)
- Personal injury claim settlement
- Tax efficient investments
Protection
Most of us want to ensure that our families are financially secure if we become seriously ill or die. This is where life assurance cover comes into play as it provides a death benefit if a claim occurs during the period of insurance. The abundance of choice may seem like a mixed blessing. With so many factors to be considered, making a decision could seem overwhelming. Adanac can guide you in selecting the most appropriate protection for you and your family.
Areas of Protection we can arrange for you:
- Family protection
- Income protection
- Life Cover
- Critical illness insurance
- Loan protection insurance
- Mortgage protection insurance
- Accident Sickness and Unemployment (ASU) Cover
Retirement
People naturally want to know how long they will live and, thanks to extraordinary improvements in science, the answer is - longer than you might think! This makes planning for the prospect of a longer retirement a necessity. There are a range of different options to take into consideration when retiring, and also once in retirement. Adanac can help you understand what your options are and how best to deal with these options.
Areas of Retirement we can guide you on:
- Retirement planning
- Pension Simplification
- Annuities - Open Market Options
- Reviewing existing arrangements
Mortgages
We carry out all types of mortgage work, both residential and commercial. We have access to specialist lenders in areas such as mortgages for the elderly, non-standard properties and the unusual. We are comfortable with Self Certified mortgages and can assist in raising finance for business purposes.
Areas of Mortgages we specialise in:
- Homeowner
- Commerical
- Buy To Let
- Re-Mortgage
- Self Certified
- Credit impaired
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
Equity Release
We also offer advice in releasing money from your property through Equity Release or Home Reversion schemes.
Long Term Care
We are all living longer - but not necessarily in better health. It is expected that one in four of the UK population will require some form of long-term care in their lifetime. There are a range of different options to take into consideration and Adanac can help you understand what your options are and how best to deal with these options.
Options such as:-
- Long Term Care Annuities
- Investing for income
- Arrangements for your home
- State Entitlements
Pensions and Divorce
The flexibility and choice we now have for a pension is also matched by more beneficial options in the arena of Divorce Law. Adanac can help make the process less painful and less costly through working closely with your legal representatives.
In many cases our Pensions & Divorce specialist works as a neutral party and is involved in the Collaborative Law process. We are affiliate members of “Resolution” and adhere to their code of practice. We are also one of only 100 IFAs in the country recognised and accredited in Collaborative Law.
With our knowledge and reputation for quality advice growing steadily we are regularly instructed by leading divorce lawyers in the South West.
Businesses Advice
From pensions to insurance, finding independent financial business advice is an invaluable part of running a company. You need to ensure your company is getting the most from its financial arrangements both cost and results. In our experience it is often a combination of the two.
You are in business to make a profit; we are keenly aware of this. This is why we do not make a fuss; we simply get on with the job as speedily and efficiently as possible.
Business areas we can advise you on:
- Group Pension Scheme
- Shareholder Protection
- Key Person Cover
- Mortgage/Loan Protection
- Private Medical Insurance
- Income Protection
- Employee Benefit Plans
Some aspects of the occupational and employer schemes are regulated by the Pensions Regulator rather than the FSA.
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