what we do
We follow legally regulated financial advisory standards and protocol. You can be rest assured that the advice we offer is the most up-to-date available and will take into consideration
the specific circumstances and financial status of our clients.
The value of pension and investments can fall as well as rise. You may get back less than you invest
Your home may be repossessed if you do not keep up repayments on your mortgage
The Financial Conduct Authority do not regulate Inheritance Tax Plannng, Taxation & Trusts.
Eric will meet to consult with you at your convenience, to listen to your requirements, ideas and preferences. Only when he is satisfied that he has all the pertinent details will he offer advice relating to your financial planning options.
Eric will take the time to inform you of the most suitable product on offer to you considering your unique financial situation.
Eric Watson Financial Solutions Ltd treats every client as an individual with their own unique set of financial requirements, whether this is personal or business all clients are treated with respect and confidence. We have high standards and so do our clients, this is something we never forget or compromise upon.
Eric Watson Financial Solutions Ltd have a range of financial services to offer. If you have a specific enquiry or cannot view something within our range, please do not hesitate to call me and I can discuss your enquiry. Or perhaps you'd like to arrange a consultation?
We ensure that you will have access to a suitably qualified saving & investment specialist. Specialising in numerous types of investments & savings contacts including ISAs, Investment Bonds, Investment Trusts and many more.
The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.
Everyone is able to leave the "nil rate band" to their beneficiaries free of Inheritance Tax, however this allowance changes every year. To reduce Inheritance Tax on the nil rate band of 40% you may wish to use a trust fund.
We can help you organise a trust fund for the benefit of your family. Various types work differently but essentially it is set up in "trust" for someone and paid a fixed amount to the person it is set up to provide for.
There are numerous types of pension contracts, including Group Pensions, Personal Pensions, Salary Pensions and so on. We have a select panel of leading pension providers and can ensure you will find a pension plan to suit you. With pensions remaining to be one of the most tax efficient retirement plans it is strongly encouraged to have one in place.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
With us being part of the "Intrinsic Network," it gives us access to the "Whole of market".
Some of the mortgage services we provide include re-mortages, First time buyers, debt consolidation, council house purchases, Buy to Lets, Let to Buy and self employed .
Most buy to lets are not regulated by the FCA
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
We offer various types of policies, you just need us to help you find which is most suitable for you. The different types of policies vary in features and cost however we will take into account all your requests in order to find one that suits you. The various types of policies include level and decreasing term and family income benefit.
This plan normally has the benefit of covering the mortgage amount on diagnosis of a critical illness. It is paid out by a lump sum and you have the option to combine this cover with level or decreasing term life assurance cover. Most of our insurers cover up to 28 illnesses, most common ones are cancer, heart attacks and strokes.
Buildings & Contents cover is available to existing and new borrowers. Tenants are able to take out contents cover only.
If your Building and/or contents are damaged by fire, flood or heave and subsidence you should be covered as these are normally included in the standard policy conditions amongst others however you should refer to your terms and conditions and familiarise yourself with the hazards you are covered for.
When the time comes to renewing a policy you may be entitled to a discount if you have made no claims.
In the event of an accident, sickness or involuntary unemployment you will still be liable to make your mortgage payments aswell as any buildings & contents payments and any other insurance linked to your home.
Think what would you do if any of the above occurred, how would you ensure that you made the payments?
Well, by taking out a Mortgage Payment Protection Plan it can cover a high percentage of your mortgage for twelve to twenty four months and by this it would give you peace of mind and less stress. Another advantage of this is that your credit file will remain clean.
This Payment Protection Insurance is optional.There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website www.moneyadviceservice.org.uk.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
Financial Services are constantly evolving with changes in legislation as well as the creation of new services. I maintain my awareness and familiarity of the changing processes to a high standard. If you require advice of any nature then please contact me direct by calling the office on 01555 890935.