OUR SERVICES
We offer a wide range of financial consulting services to both personal and corporate clients. We believe in providing bespoke solutions that align with your unique financial needs and goals. Our team has years of experience and can help you navigate through the complexities of the financial world.
Financial Planning
Our financial planning process is broken down into a series of stages which focus on ensuring your life aspirations and the investment of your money are carefully aligned.
Having completed a detailed review of your current position and arrangements, we will provide you with specific recommendations on how to achieve your goals or simply give you comfort that everything is on track. Often a plan only needs a bit of tweaking but if any changes are necessary we will explain the benefits and risks associated with the approach we have suggested.
If you are happy with our recommendations we help you with any relevant paperwork and put your financial plan in place.
As your aspirations evolve in your life, so should your financial plan an we will be on hand to review this with you on a regular basis, should you choose.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Mortgage advice
Our objective is to give you the best quality advice to suit your individual mortgage requirements and act on your behalf not the lender. We can recommend a mortgage that is suitable for you, from a wide range of products available in the marketplace
Whether you are a first time-buyer looking to purchase your first home, a home-mover looking to ‘climb the ladder’ or have bought and sold many times already and simply want to re-finance and secure a new product or a lower rate of interest, we can help.
Capital raising is allowed for most legal purposes, so if you are looking to fund some home improvements, or even raise the deposit for a new investment property or holiday home, then please discuss your requirements with one of our Advisers and they will be able to help find the most suitable product for your needs.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Protect your employees and your businesses
Helping to grow your business - recruit, reward and retain quality staff
We specialise in the design, procurement and implementation of quality, value added corporate benefit solutions. Our high retention client base has developed mainly through recommendation. We partner with all types and sizes of enterprises, from SMEs to PLCs.
Ensuring that your employees feel valued and looked after has never been more important. Advice is offered by an experienced and qualified adviser with a focus to deliver high-end value-for-money solutions. Group Protection benefits are a high value, low-cost option for employers looking to offer something more to their staff.
BSG can provide advice on the following group protection solutions:
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Life Insurance (Death in Service) cover.
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Income Protection.
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Critical Illness cover.
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Private Medical Insurance.
Having this in place can be a useful tool for:
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Managing and mitigating some of the risks associated with employing people.
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Can help recruit, retain and engage talent.
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Can support the values and culture of an organisation.
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Reinforcing their position as a caring employer demonstrating an employer’s duty of care.
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Providing a financial lifeline to employees when they need it most.
Provided in isolation or as part of a wider benefits package, group protection benefits can give employees access to insured financial protection cover they might not be able to either afford or access for themselves.
Expert advice should always be taken when setting up or reviewing a group risk insurance scheme to ensure that optimum cover is provided, any extra support services offered alongside the policy are used and all tax efficiencies are maximised.
Please contact Andy Clitheroe for more information on 07714 083544 or ac@bsgfs.co.uk
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
