Planning for your future

Our aim is to ensure that you have the best possible advice when planning your financial future.

Throughout this website you will find a wealth of information on a variety of financial topics and useful tools to help you gain a better understanding of the complexities of personal financial planning.

Our services include a review of your existing arrangements.

When was the last time your pensions, savings and life assurance plans were reviewed? As your personal circumstances change, it is more than likely that there will be a need to update your current plans in order to establish adequate provision for the future.

Milestones in life

There are so many issues to take into account when planning your financial future, so here are a few 'milestones in life' to consider:

Birth - starting school - university or college - starting work - change of job - first home - getting married - starting a family - moving house - change of location - redundancy - starting your own business - unexpected windfall - divorce - illness - retirement – death.

With personal circumstances changing from time to time it is important to undertake a review your financial position to accommodate all of your needs.

Pension planning

Pensions for most people are the cornerstone, if not the sole source of income in retirement. With the number of different options and the continual changes in legislation, planning properly with a qualified and experienced adviser can ensure you provide adequately for your retirement, and also that you are taking full advantage of the available tax breaks and allowances.

Investment planning & management

Investing can be a very complicated affair. Whether for short or longer term gains, for general growth or for a specific future event, the number of investment vehicles and funds available are considerable. The tax implications of investments are another complex area, with many different products (Bonds, Unit Trusts, ISAs, Enterprise Investment Schemes, Shares and Investment Trusts) taxed significantly differently from one another.

Choosing the most suitable option to reach your investment goal and ensuring you are not giving an unnecessarily high figure to the taxman can be a lengthy and difficult process. At McCrea Financial Services we have experience across the investments available and can advise on how to reach your goals in the most efficient way whilst ensuring your chosen method is suitable for you in terms of risk and timescale for the required return.

Domestic & commercial insurance

We shall be pleased to assist you with all of your insurance needs, whether home insurance, car insurance or even corporate insurance. At McCrea’s, we will help you consider the areas for which you may require cover, as well as the level of cover required.

Mortgages

At McCrea’s, we have up to date information and access to a wide range of Building Societies, Banks and Central Lenders' schemes from which we can draw to suit individual circumstances. We are here to make the process simple and painless for our clients, from first time buyers to experienced buyers of either residential or commercial property. Allow us to organise the solicitors and surveyors, as well as the actual mortgage repayment vehicle. We seek the best value available and only use reputable contacts, thus ensuring good service and no unpleasant ‘surprises’ for you, allowing a smooth transition from one property to another.

Please be aware that your home may be at risk if you don’t keep up the payments on a mortgage.

Life assurance

Life assurance, put simply, is providing security for others in the event of your death. Family Protection, Mortgage/Loan Protection and Business Protection are the most common policies. Ensuring that your family would not suffer an impossible financial blow can be simple and cheaper than many expect.

Income protection

Income protection ensures that if you are unable to return to work, whether through an accident, sickness or involuntary unemployment, your income level can remain within a bracket that allows you to keep living in the lifestyle you have become accustomed to.

Critical Illness protection

Critical Illness Protection provides a Cash Lump Sum on diagnosis of a specified serious illness such as heart attack, stroke, cancer, etc. or total disability. This figure can be used to assist your family once you have gone, to pay off the outstanding mortgage, or indeed to pay for possibly costly medical care and/or treatment to bring you back to health or to assist you in passing gracefully.

Business & Keyperson protection

In simple terms, Business & Keyperson insurance can be set up to protect a business from the effects of losing either a Key Director or Key Employee through death or illness, thus allowing the company to survive whilst looking for or training a replacement.

Savings plans

Various schemes are available allowing you to plan for future requirements such as children's education, wedding expenses, 18th or 21st birthday presents, a deposit on a first home or any other purpose. The differences and benefits of the different savings plans available can be unclear and complex, let McCrea’s assist you in making the right choice to provide for the future.

Annuities

An Annuity is a Capital Investment used to purchase a guaranteed income. These can be very complex and can have many tax implications. At McCrea Financial Services we can outline the benefits of the products available to you and advise you which would meet your requirements most effectively.

Contacting us

On our website you will find enquiry forms to assist you, or you can e-mail us with a general enquiry. Our contact details are listed on the foot of each page of our website, including our location map.