Thomas Oliver Services.
Please find below a list of our services, and whilst we have tried to cover everything, please be aware that this list is not exhaustive, so please speak to one of our adviser if you are unsure what type of area you want advice.
You do not need to be wealthy to need a Financial Adviser, but if you answer yes to any of the questions below, it would be in your best interest to see k professional advice, from someone who can help!
Are you a UK Taxpayer?
Do you have a family?
Do you have shares or investments?
Do you have adequate retirement plans?
What happens to your mortgage if you become ill or lose your job?
Do you know how your family will be looked after if you become ill or die?
Do you know who benefits from your estate if you die?
If you answer yes to any of the above questions, you should see one of our advisers. Remember, we offer a no obligation “Financial Review” at your convenience, in your home, office or at our offices! Whatever is the most convenient for you.
Our Services
Retirement Planning
It is a proven fact that people are enjoying better health later in life, than they ever did previously, thanks to the advances in medical technology, and more healthier lifestyles. However, this does mean there is more reliance on adequate provision in retirement. Do you know how much the State will pay you when you retire – probably not! We can tell you, and you may be surprised at the amount! Our advisers have many years experience in dealing with Pensions and are on hand to give you the most suitable advice, for now and in the future. We only deal with reputable Pension Providers such as Aegon Scottish Equitable and Prudential for instance.
Wealth Management and Planning
It is only 2 years ago that the world seemed to be on the brink of a bottomless financial abyss! Who would have though that banks with hundreds of years of tradition, such as Lehman Brothers, RBS, and Northern Rock, to name a few, would be facing what they did. Yet, 2 years on we are in a situation where markets have seen some recovery, and many of the funds that were underperforming previously have now seen some real optimistic growth. Through Openwork, our advisers have access to a wide range of funds and selected providers from ISA’s through to larger investment vehicles. We work with some of the leading investment specialists, Prudential, Omnis, and Sterling, who in turn work with companies such as Threadneedle, Severn Investment Management, JP Morgan and Octopus. Our advisers will spend time discussing the funds and investments available to you, and at all times will consider your attitude to risk, and what type of investor you are, or may want to be. You may want to plan for areas such as Inheritance Tax, School Fees, or any of the events we will encounter in life. The list is endless, but our comprehensive fact find will help our advisers, in conjunction with you our client, to tailor a solution that will meet your Wealth Management needs.
Critical Illness Cover
It is a sad but unfortunately, true fact, that many people will contract a critical illness at some stage in their lives. Whilst medical advances have meant that critical does not mean death, it may include long periods of debilitating treatment and rehabilitation. If this happens to you, what happens to your bills, your mortgage, and many of the financial requirements you need to meet?
Would you rather lose your mortgage or your home if you become ill? Critical illness policies are designed so that they protect you and your family should you or your partner become ill, by paying out a cash lump sum. Through Zurich, we can help arrange a policy so you have the right cover in place. In addition to this, you need to know the company who Insure you do what they should if anything happens! They should pay out in the event of a critical illness claim or death claim.
Life Assurance
We often insure the things we can replace, such as cars, but don't insure the things we can't such as our lives! Extraordinary statistice, but true!
How many people pay as much as £50 per month to have Sky TV, but will not pay a £50 a month Life Insurance premium.
Through Zurich we can provide you with the right level of Life Insurance to make sure your family are looked after if anything happens to you! Life Assurance is not as expensive as you would think, and you may be surprised as to what the same cost of Sky TV would provide for your family!
Will Writing
Do you honestly know what happens to your estate when you die? Have you got a Will and not reviewed it in the last year? Many people believe that their estate passes automatically to their family. This is often not the case and should you not leave a Will, Laws of Intestacy may apply, and your beneficiaries may not be who you think, and hope it will be. Is your Will in a trust, if it is, is it the right one? We work with specialist Will Writers to make sure that the advice you are given is sound and that you will do right by your beneficiaries, in the event of your death.
The products and services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. These products are not regulated by the Financial Services Authority.
Mortgages
Last but by no means least – financing your home purchase, remortgage, buy to Let or Commercial Property, we can do this for you through our Whole of Market offering with Openwork. The Mortgage Market has seen unprecedented change and withdrawal of dozens of lenders from the UK Mortgage Market over the past 2 years! Lenders who were on the High Street and familiar, have simply gone! Bradford and Bingley, Alliance and Leicester, Bristol and West, all names synonymous with High Street lending have all but gone. The way the remainder of the banks and Building Societeies lend money has drastically changed, and you need advice on what suits you best, and more importantly where you can get funding! Its not as easy as you think it may be!
Working closely with lenders such as Santander, Lloyds Banking Group, Nationwide, Barclays, Natwest, we can give you up to date product information, and advice on the best deal for you. In many cases these may be exclusive products, not available outside of Openwork. Our advisers have many years dealing with key lenders to ensure they know who offers the best deal for you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A fee of 2% of the loan amount can be charged on completion.
Buy to Let and Commercial Mortgages are not regulated by the Financial Services Authority.
Thomas Oliver Mortgage Calculator
General Insurance
Fire, Flood, Burglary, Accidental Damage – just some of the potential problems you may have to face as a Homeowner. Imagine if you lived in parts of Cornwall or the Lake District over the past few years and you saw your most valuable asset and prized possessions, covered in 4 foot of water! You would want to know that despite all the misery and devastation, that your insurer looks after you! Through Openwork, we have access to some of the best General Insurers in the UK. Zurich, Paymentshield, Halifax and Uinsure, are all companies that are recognised, but more importantly, have the ability to provide competitive insurance to replace the things that you could lose. Speak to one of our advisers for details, whether you want a new policy or want to try and get a better deal than your existing Insurer offers.
Income Protection
Redundancies, job losses, unemployment – how many times have you heard that over the past couple of years? What happens if you lose your job, through accident, sickness or unemployment. Would you be happier if your mortgage payments were covered if one of the preceding events happened to you? Of course you would.
Call us today on 01707 872000, or e mail us at callme@thomasoliveruk.co.uk
Part of the Openwork network