PROTECTION PLANNING

Unfortunately life has a habit of throwing up the unexpected which, without careful planning, can have devastating repercussions on you, your family and your financial wellbeing.

At Church Financial Services Ltd we understand that contemplating the unthinkable is something we would rather avoid. As individuals we often treat the insurance of material items such as cars, home contents and gas boilers as a given, without due consideration as to what makes all this possible - you and your income.

Knowing where to begin and what type of protection you require can be complex, often raising more questions than answers - What type of cover do I need? How much? For how long?

Next comes the task of choosing the right product, with the right provider and with the right options to address your unique circumstances.

….providing peace of mind

One of our qualified and experienced advisers will review your current situation, identify any protection shortfalls, before formulating as comprehensive a solution as your budget will allow.

From the initial whole of market research, through to application and beyond, we aim to help you ensure that your financial liabilities, family, lifestyle and income are covered in the event of:

• Death

• Critical Illness

• Long Term Ill Health

• Sickness, Accident & Unemployment

• The need to fund Private Medical Expenses

Once in place we can ensure that your cover remains appropriate to your situation, no matter what changes occur in the future.

Contact us today to arrange a free, no obligation meeting with one of our advisers to discuss your shortfalls and find out exactly how we can help you.

RETIREMENT PLANNING

Many of us dream of the day when we have the choice to stop work and take life a little easier, perhaps spending more time with the grandchildren or embarking on that holiday of a lifetime. As a minimum however, we hope for a comfortable retirement free of financial worry.

With less favourable state provision and the likelihood that we will all be living longer lives, planning for retirement has never been more important. Without thorough and timely planning our hopes and aspirations for older age could be shattered.

At Church Financial Services Ltd we understand that thinking so far ahead can be incomprehensible and even somewhat daunting. Knowing what kind of amount is needed to provide for a comfortable retirement and how to generate this can be very difficult to calculate.

So overwhelming can the decisions and choices sometimes be that people are guilty of putting off the retirement planning process, making the eventual task that much greater.

….achieving the dream

We strongly believe that the journey to retirement should be as straightforward and as stress free as possible, whilst beginning at the earliest opportunity. Simply making an appointment to start addressing your goals is one of the most important steps you will take towards safeguarding your financial future.

One of our qualified and experienced advisers will review your current provision, identify your aspirations and help you towards bridging any current shortfall with a robust, comprehensive and tax-efficient retirement plan.

With a wealth of investment experience, we will ensure that a plan is put in place in accordance with your budget and any ethical preferences.

Once established, and in line with our Service Proposition, we can ensure that your retirement plans remain on target with regular updates and comprehensive reviews.

Contact us today to arrange a free, no obligation meeting with one of our advisers to discuss your retirement needs and find out exactly how we can help you.

MORTGAGES

Purchasing and owning a property is likely to be the most significant financial commitment you will ever make, but often the most exciting and rewarding.

At Church Financial Services Ltd we understand that finding and obtaining the necessary mortgage to meet your needs is often the least enjoyable part of venturing onto or moving up the property ladder, with countless, often bewildering choices to make before, during and after the application process.

We’re conscious that all of this takes time in your already busy life and can often become a frustrating experience.

….making it simple

The service that we provide alleviates the hassle and stress involved with obtaining a mortgage as one of our qualified and experienced advisers guides you through the whole process.

From the initial whole of market research, through to application, completion and beyond, we aim to make your life easier and help obtain the right mortgage for you, whether:

• Buying your first property (including Help To Buy)

• Moving home

• Considering refinancing

• Looking to purchase property as an investment (e.g. Buy To Let)

• Seeking a more competitive mortgage deal

We will happily take the burden of the paperwork away and smooth the transaction process by liaising with lenders, solicitors and estate agents.

We will endeavour to save you both time and money, provide you with regular updates along the way and ensure that your mortgage is completed efficiently and on time.

In addition we can arrange:

• For our recommended solicitors, locally based Middletons Solicitors, to help with any necessary conveyancing

• To protect your mortgage and its repayments from the unforeseeable and unexpected

• For your property and its contents to be suitably insured

Contact us today to arrange a free, no obligation meeting with one of our advisers to discuss your aspirations and find out exactly how we can help you.

ESTATE PLANNING