Spectrum Independent Financial Services offer a range of services backed by many years of knowledge, expertise and experience. Whether you are concerned about your eventual retirement or want to ensure you have the right amount of family life assurance or looking to review the interest rate and mortgage product you have, we can help you find ways of making the most of your money for both the present and the future.
As Independent Financial Advisers, we provide personal and commercial clients with advice and guidance on a wide range of financial services and being independent, means you can be assured our advice is always impartial and without bias.
We will always take time to get to know your needs and we can provide advice in the following areas:
Mortgages – Residential, Commercial, Remortgages, Further Advances, Buy to Let
First Time Buyers, Shared Ownership & Shared Equity, Secured Loans, Help to Buy
Pensions – Personal Pensions, Group Schemes, Stakeholder, Self-Invested Personal Schemes (SIPPS), Company Pensions, Auto Enrolment
Insurance – Life Assurance, Mortgage Protection, Critical Illness Cover, Income Replacement, Property Insurance, Commercial Insurance, Accident Sickness & Unemployment Cover (ASU), Partnership/Director Insurance, Public Liability, Professional Indemnity Insurance
Savings & Investments – Individual Savings Accounts (ISA’s), Unit Trusts, Investment Bonds, Investment Trusts, Traded Endowments (TEPS), Off Shore Bonds, Regular Savings Plans, Friendly Society Plans, Children Trusts, Bank & Building Society Accounts, NS&I
Equity Release – Life Time Mortgages
Annuities – Impaired & Enhanced, Index Linked, Joint, Variable, Life Annuities
Wills & Estate Planning – Inheritance Tax Planning, Single Will, Mirror Wills, Lasting Power of Attorney, Property Trusts, Making Legacies, Document Storage, Will Register.