Our services
Financial planning underpins all that we do, and our aim is to help you make informed decisions about your financial future.
Financial Planning
Financial planning underpins all that we do, and our aim is to help you make informed decisions about your financial future.
You will almost certainly have goals of one kind or another, for example, buying a home, starting a family, perhaps retiring, but these all have financial implications and leaving it to chance doesn’t make sense.
Savings & Investments
Saving and investing are often thought of as being the same thing, but they are different, and we aim to understand how each is to be used in our clients’ individual circumstances.
Saving is building up funds in cash, which will hopefully increase in value from interest that is added. It is used to perhaps provide a reserve to help cope with emergencies should they occur, or maybe to be able to make a large purchase rather than borrowing.
Pensions
For most people pensions form a central part of their retirement planning and are designed to provide an income in retirement as well as, often, a tax free cash lump sum.
Most people will have accrued a number of different pension plans during their working life and understanding what these are, the options available and what level of income they can provide in retirement is critical. There are two main types of pension plans although, with the exception of the statutory schemes e.g. the NHS, Civil Service, Teachers’, Armed Forces, Police, Fire Service and Local Authority Pension Schemes, etc. the first of these, Defined Benefit Plans are becoming far less common.
Equity Release
Equity release is a special type of mortgage that lets you access the money tied up in the value of your home and RBS Associates will continue to provide advice for clients wishing to investigate Equity Release mortgages.
Equity release is becoming far more commonly used these days, and modern schemes are much more flexible than they were in the past.
Mortgages
Whether you are a first-time buyer, moving home, looking to remortgage, purchase a second home or even looking to purchase a property to let, selecting the right mortgage for your circumstances is critical.
When identifying a mortgage, it is important to consider a wide range of factors, for example, whether the loan is for a property they will live in or one that will be rented out, the way in which the mortgage loan will be repaid, the amount of deposit available and the affordability of the deal selected, the length of time the mortgage will be held, the type of interest rate arrangement that meets the requirements, perhaps a fixed rate, tracker or discounted deal.
Protection
Protection planning is a core part of building a resilient financial future. While investments and pensions help you grow wealth, protection ensures that you and your family are financially secure when life takes an unexpected turn. The right cover can provide vital support during illness, injury, or bereavement, helping to maintain stability at a difficult time.
Life assurance offers a financial safety net for your loved ones by paying out a lump sum if you die during the policy term. This can help clear a mortgage, replace lost income, or provide long‑term financial security for your family. Policies vary widely, from simple term assurance to whole‑of‑life plans, and choosing the right structure depends on your personal circumstances and objectives.
