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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.
Tax treatment is based on individual circumstances and may be subject to change in the future. The Financial Conduct Authority does not regulate inheritance tax planning.

We offer a range of services to help you meet your investment and/or retirement objectives. We provide independent investment advice which we will discuss with you as described in our important information about our services document. 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.
The Financial Conduct Authority does not regulate Auto-enrolment.
The Pensions Regulator is the statutory regulator for Workplace pensions.

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.
Tax treatment is based on individual circumstances and may be subject to change in the future.

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  

We offer comprehensive range of mortgage product from across the market. We offer both first and second charge mortgages, but not deals that you can obtain by going direct to a lender. For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs. For example a further advance from your existing lender or an unsecured loan (e.g. a personal loan). For those seeking a ‘Retirement Interest Only Mortgage’, a ‘Lifetime Mortgage’ may be available and more appropriate for your needs. 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.
Mortgage deals may not be available and lending is subject to individual circumstances and status.
The Financial Conduct Authority does not regulate commercial mortgages and most forms of buy to let mortgage.

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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