Financial Advisers (Independent) in Aldershot

Personal independent wealth management service, with over 25 years experience, for both individuals and businesses. Offering a review of existing pension, retirement options, long term tax efficient investment for either growth and/or income including ISA's , health and life assurance protection arrangements, discussion of current and future needs and an ongoing proactive review service. Happy to work on a fee or commission basis. ...

It pays to regularly take a look at the cover you have as circumstances and requirements change over a period of time.Most people organise some initial life cover when they get maried or buy a property but then fail to revisit their needs to see if the policy is still doing its job. For instance, if you have a mortgage protection policy designed to pay off a repayment mortgage on death during the term, you should check to see what interst rates apply to the policy. It's probably ok at the moment as interest rates are low but some policies have a ceiling and if interest rates are higher than the policy limit then there could be a shortfall in the cover in the event of a death claim. Some policies are outdated and no longer provide adequate cover. Some are now too expensive and you may be able to get better cover at a cheaper premium.Critical illness cover has become popular and not surprising. This will provide a lump sum in the event of the policyholder being confirmed as suffering from one of the predefined medical conditions. The medical conditions have altered a lot over the years and most providers now adhere to the Association of British Insurers core definitions. However, there is a huge difference between providers in the definitions and additional definitions covered. Premiums also vary a lot and did you know that by having the claim paid in instalments rather than as a lump sum can reduce the cost of the cover? Worth looking into as statstics suggest we are much more likely to suffer from a critical illness during our working lifetiome and survive than we are to die. Some people are put off by the cost initially so look into this cover further and you may be pleasantly surprised at how cheap it can be for what it does.Income Replacement Cover is often overlooked but vital cover - especially to the self employed who are not protected by state benefits as well as those who are employed. This cover provides a regular monthly income in the event of long term inability to work as a result of injury or illness. The benefits are paid after a deferred period which can be between 1 month and a year, and will continue until the policyholder can return to work or the policy matures which is usually retirement age. This is an insurance against the loss of future income and premiums and cover vary greatly so specialist advice should be sort.Some providers now offer all three covers under one policy which can reduce premiums and you can mix and match the cover to suit your pocket but you will need to take advice from an IFA as to which options are best for your circumstances.We are currently offering a free appraisal until the end of December so just call us on 01252-344454 to arrange an appointment and, if you are local to Aldershot, then we will come to you if you prefer.Just get into the habit of reviewing your financial situation regularly, preferably at least annually.Why not visit our website to see more about what we do? There are some very useful calculators available on the site which may help you with your financial planning. You can also obtain life cover quotes online. Barrie Dean Financial Management8 Northbrook RoadAldershotHantsGU11 3HEwww.barriedean.co.uk

Over the last few months investment markets have shown signs of recovery. For anybody looking to invest long term, whether it be in a pension fund, ISA, unit trust or bond then now is a good time to consider making that decision. This goes for both lump sum and regular investors.As an independent financial adviser I assess a client's attitude to risk and their overall needs then either recommend or build a suitable portfolio to meet that requirement. This is then reviewed and re-balanced at regular intervals. The portfolio could therefore consist of a mix of UK and global equities, fixed interest, corporate bonds, property and cash deposits. The percentages would vary depending on risk profile.I am to run an investment portfolio to meet client expectations.Call me on 01252-344454 for further information or visit www.barriedean.co.uk

Too many people have financial service products and never review them. Why is that?Financial markets change, personal ambitions and requirements change so a regular review is absolutely vital. Most people's perception of their attitude to both risk and loss will have changed over the last year as a result of the Credit Crunch. But, have they reviewed their investments or pensions to ensure that they are still invested in the right areas for their risk profile? Very few have but we have contacted all our clients and asked them to complete a Risk Proflie Questionnaire that we then assess to check wheteher any alterations need to be made. If you haven't had contact with your existing IFA for a few years and are not getting a regular review service then contact us for an initial free meeting and we will show you how we work with you to make sure you remain on course.

Barrie Dean has been in the Financial Services Industry since 1970 and first became an IFA in 1983. The company now offers a personal service in individual and corporate financial planning. Specialising in Pension & Retirement Planning, Investments, Inheritance Tax planning, Life Assurance and Critical Illness cover, Private Medical cover and Income Replacement cover.

Barrie Dean Financial Management is an appointed representative of IN Partnership the trading name of the On-Line Partnership Limited which is authorised and regulated by the Financial Services Authority. Barie Dean Financial Management is a member of the Best of Aldershot .... visit www.thebestof.co.uk/aldershot for testimonials....and also a member of Farnborugh Jets Chapter of Business Network International (BNI).. the largest business referral network in the world.

2005

Opening Hours: weekdays 9am -5pm