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Financial Services from A+ Financial Advice

We specialise in all the areas of family protection (income, life, mortgage, critical illness). We also advise and arrange business
protection such as relevant life and key person cover. Investments both on and offshore, ISA's, Unit Trusts, Investment bonds etc.
We can assess your pension provision, arrange your mortgage or re-mortage. We also provide tax planning and can provide trusts to
mitigate or minimise tax and IHT liabilities.

In short, we help you, the client, achieve your financial goals.

Tax planning, Trusts and Inheritance tax planning are not regulated by the Financial Conduct Authority.

Recent significant changes to pensions may have made them seem complex and confusing. However to make the most of your retirement opportunities, it is important to receive expert and professional advice on your pension plans and requirements, whatever life stage you have arrived at. Whether you need to set up or review existing retirement planning strategies, for you or your employees, A Plus Financial Advice can help you achieve your retirement planning goals. We cover the following areas;

• Annuity purchase • Pension consolidation
• Drawdown • Pensions & divorce
• Pensions & retirement planning • Pensions review
• Pensions transfer • Sipps
• Stakeholder • NEST
• Auto-enrolment

A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement and/or future interest rates.

Do you need an instant access savings account, a savings account you can manage online, a tax-free ISA, or a rate that is fixed for the duration of your savings? Whatever you are looking for in a savings account, we will search the whole of the market looking at a range of savings options could help you save towards your goals. We cover the following areas;

• Lump sum • National Savings
• Regular savings • Savings for children
• School fees planning  

National Savings products are not regulated by the Financial Conduct Authority.

For most of us, investing can be a bit of a scary thought. Our aim is to provide straight-talking, jargon-free and impartial information about investing to help make your decision simple and straightforward. We should all have some cash which we can easily get our hands on. But the fact is you may struggle with some of your future plans, like retirement or your children's education, if you don't consider longer-term options to help your money grow. It's not just novice investors who can find it helpful to talk to someone who can guide them through the process of investing, experienced investors can still benefit from professional advice too. We can help you understand your goals and define an investment plan to achieve them. We can also discuss how to invest in the most tax-efficient manner. We cover the following areas;

• Ethical investments • Investing for income
• Investment trusts • ISAs
• OEICs • Offshore investments
• Socially responsible investments • Unit trusts
• Investment Bonds  

The value of investments can go down as well as up, you may not get back the original amount invested.

Obtaining professional advice is essential to making an informed decision about the most suitable protection policy to meet your needs. We work with you to create tailor made protection products that are affordable for you to achieve your protection objectives. We cover the following areas;

• Accident & sickness • Critical illness
• Income protection insurance • Life assurance
• Relevant Life • Payment protection insurance
• Business Protection • Key Person

Far too many people affect their family's inheritance by neglecting this area of tax planning; make sure you're not one of them. So please, speak to A Plus about putting your house (and all of your other assets) in order. For as many years as the government has sought to invoke inheritance tax on estates, smart people have sought to avoid it and there are a number of strategies that work to reduce, remove or mitigate a potential liability. Call us today and let us start building your Inheritance tax strategy. The use of trusts to ensure your assets go where you intend on your death is prudent and whether it's your assets or your life assurance, we at A Plus along with our solicitor partners Hennessy Bowie and Co. can formulate the right strategy for you. Trusts can be tax efficient, they ensure estates are wound up expediently and they can ensure your heirs receive what you want them to. We cover the following areas;

• Capital gains tax • Estate planning
• Income tax • Taxation planning
• Asset Protection Trusts • Life Trusts

Taxation, Estate planning and Trusts are not regulated by the Financial Conduct Authority.

General insurance is important for your peace of mind. It enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence. We will discuss your needs and objectives and search the market for the affordable policy to help you achieve your General Insurance goals with an appropriate and affordable solution.
We cover the following areas;

• Buildings and contents • Private Medical Insurance
• Corporate PMI  

Buying a property can be the most substantial purchase you ever make, it can also be very stressful, particularly if you encounter an obstacle. A Plus will help guide you through the complexity of today's mortgage market, whether you are a first time buyer, moving home or remortgaging, to ensure you get the right kind of mortgage to suit your individual needs. We never forget your needs are paramount and always come first and we are confident that your experience with us will be all that you hoped for. We also arrange mortgages for the Buy to Let and Commercial markets.
We cover the following areas;

• Buy to let • Sub Prime
• First time buyers • Flexible
• High loan to value • Remortgage
• Residential • Right to buy
• Self build • Self employed

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage.

serving the heart of Scotland

Serving Scotland

Whether at home, work or wherever is convenient to you. We'll meet you on a
face-to-face basis and work with you to a positive outcome.

Willow House, Kestrel View
Strathclyde Business Park
Lanarkshire, ML4 3PB

01698 464 373

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