Some financial decisions are taken out of our hands.  If you have a mortgage, the lender will insist that the property is adequately insured, if you have a business, there are legal requirements relating to insurance.

Most financial matters, however, leave us with choices:  some are relatively easy - such as whether to have life assurance to protect the family in the event of the breadwinner dying prematurely; other decisions - for example about pension planning matters - are significantly more complex.

The benefit of good advice....

No matter how simple or complex such decisions may appear, taking independent financial advice can prove to be of significant benefit.  Even with apparently straightforward insurance policies, it is often the case that, on re-examination, more comprehensive cover can be obtained at a lower premium cost

The changing environment....

It is important to recognise that we are living in a changing financial environment.  State pension benefits have been reduced; the availability of income support on mortgage payments in the event of sickness or redundancy has been amended, statutory sick pay has been revised and reduced and the financial consequences of an elderly member of the family needing residential or nursing care can be substantial.

As the 'safety net provided by the State is contracting, our future financial well-being is increasingly dependent on the decisions we take for ourselves today.

Professional connections...

If there is anything that we do not have the expertise to help you with in-house then we can recommend Accountants and Solicitors who would be more than able to solve problems within their own specialist areas.  We can work closely with such specialists on your behalf to ensure that you needs are looked after.

Clayton and Company (Independent Financial Advisers) Limited is an appointed representative of Financial Ltd which is authorised and regulated by the Financial Services Authority