Independent Financial Advice

-

We strongly believe that being independent allows us to offer expert impartial advice. We take a very personal interest in every client resulting in a service that is extremely professional and personable. At Nightingales Wealth Management our clients benefit from our wide range of expertise. We are totally committed to providing excellent ongoing service and believe that being in regular contact with clients enables us to give relevant advice at all times. We offer regular financial reviews as part of our ongoing service proposition. We strongly believe in holistic financial planning and can offer advice in all financial areas. We work closely with a number of professional partners who can provide expert tax and accountancy services, as well as will writing/reviewing. We also have an independent general insurance broker relationship for areas such as car and home insurance products.

Protection Insurance

–

Nightingales Wealth Management offer a wide range of protection based products. Being independent means we can select suitable providers from the whole of the market. We have expert advisers to discuss protection for both business and family related matters including inheritance tax planning. We are regularly researching and reviewing products in this area, such as:

• Life assurance
• Critical illness
• Income Protection
• Mortgage Protection
• Inheritance tax planning

Protection policies have no cash value and will not pay out if you reach the end of the policy without making a valid claim. The Financial Conduct Authority does not regulate taxation and trust advice.

Mortgages

–

Taking out a mortgage in order to buy a property is usually the biggest financial commitment we undertake in our lifetime. Nightingales Wealth Management are experts at guiding you through the mortgage application process. We take a step-by-step approach to ensure you are fully informed at every stage. As a professional mortgage broker, Nightingales Wealth Management have access to a comprehensive panel of mortgages, for both personal and commercial clients.

Personal Mortgages
Residential Purchase • First Time Buyers • Remortgages • Large Mortgage • Ex-Pat Mortgage • Self-employed Specialist Mortgage • Interest Only Mortgage • Guarantor Mortgage • Buy-to-let Mortgage • Ex-Pat Buy-to-let Mortgage • Buy-to-let Remortgage • 2nd Charge Mortgages – Secured Loans •

Commercial Mortgages
Commercial Purchase and Remortgages • Semi-Residential – Commercial • Corporate – Limited Company Buy-to-lets • Professional Landlord – Portfolio Buy-to-lets • Development Finance • Short-term Development Finance • Bridging Loans • Auction Finance •

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice, the precise amount be depend upon the work required. The Financial Conduct Authority does not regulate commercial finance and some aspects of buy-to-let mortgages.

Investments

–

Investments for growth and/or income form a large part of our service proposition to clients. We work to fully understand our clients’ requirements in this area, discovering their attitude to risk before we recommend the relevant option. We are very supportive of Discretionary Fund Managers where our clients receive active management of their money. We are involved in a variety of tax efficient vehicles connected with investing such as:

• Offshore Bonds
• ISAs
• Premium Bonds

The value of investments and income from them can fluctuate and investors may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation advice.

Savings

–

Regular savings allow our clients to build up capital. Many of our clients choose to invest on a regular basis and again we can offer impartial, independent advice on where to save and what product to use. We can source the market and find the most suitable vehicle and provider – products our clients save with include:

• ISAs
• Unit Trusts and Open Ended Investment Companies (OEICs)
• National Savings and Investment products
• Building Society/Deposit accounts

The value of investments can go down as well as up and you may get back less than the amount invested. 

Pensions

–

Pensions are a very topical area at present. The many changes in legislation have meant that ever greater numbers of people require solid ongoing advice as to their best options. At Nightingales Wealth Management we are constantly involved in helping and advising our clients on their needs for income in retirement. We are well-placed to advise people currently working and looking to save/invest for the future and, importantly, those who have already retired and need advice on how they take their income and relevant tax advice. Our advisers are qualified to talk our clients through all aspects of:

• Stakeholder pensions
• Annuities
• Income Drawdown plans
• Self-invested Personal pensions
• Auto Enrolment
• Tax and Death benefits

The value of your investment can go down as well as up and you may get back less than the amount invested. The Financial Conduct Authority does not regulate taxation advice.