Launched in January 2013 by a very successful firm of Chartered Financial Planners, Bread and Butter Advice are making it simple for everyone to access good, professional, personal financial advice.

Typical questions our clients want answered!

  • Can I / We afford to retire?
  • Am I properly insured against death or illness?
  • Are my investments really working for me?
  • I want to review all of my pension retirement options. Can you help me?
  • How best do we pay care fees?
  • Can you look at the whole mortgage market for me?

Areas of Advice: 

The full process: 


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We work with hundreds of companies. Here are just a few:

Who are the typical Bread and Butter Clients: 

  1. Clients who value speaking to the same adviser each time.
  2. Clients who appreciate simple and understandable advice.
  3. Clients who value old-fashioned and good service.
  4. Clients who value attention to detail and patience.
  5. Clients who value the benefits of technology in the advice process.
  6. Clients who run very busy lives.

Want to know more?

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Bread and Butter Advice Blog: 

In the wake of Brexit don’t panic, think long term…

July 1st, 2016|Comments Off on In the wake of Brexit don’t panic, think long term…

As you will no doubt now be aware, the UK electorate has voted to leave the European Union. Despite the best efforts of the media to send the world into turmoil, our advice is simple, [...]

Millions of homeowners facing ‘mortgage time bomb’

May 3rd, 2016|Comments Off on Millions of homeowners facing ‘mortgage time bomb’

The ever increasing cost of living is eclipsing thousands of people's prospects of retiring completely debt-free, with over 100,000 homeowners aged 65 and over still struggling to pay off their mortgages. The issue is a [...]

A Budget For Savers And Investors

March 18th, 2016|Comments Off on A Budget For Savers And Investors

Savings ISA limit From 6th April 2017 the ISA limit will increase to £20,000 Lifetime ISA A new Lifetime ISA will be introduced in April 2017 for the under-40s The allowance will be £4,000 [...]

Pensions Freedom – The Good, The Bad and The Ugly

January 13th, 2016|Comments Off on Pensions Freedom – The Good, The Bad and The Ugly

Final Salary Pensions (Defined Benefits) These schemes offer guaranteed benefits based on your years of service and final salary. Final salary can have many different definitions. It depends on your scheme rules. For the majority of people final salary scheme benefits cannot be matched elsewhere, however the new freedoms have encouraged some members to want to switch to a Personal Pension, so that the cash can be accessed either in full or part. This process is a minefield for clients and IFA’sas regulation and legislation clashes.   Personal Pension Scheme (Defined Contributions) In these schemes money is invested in a pension pot and grows over the working life of the client. Previously the majority of holders would buy an annuity, at the point of retirement. An annuity is an income for life.   Giving us the freedom to choose how we take our personal pension benefits is commendable. The changes which came into place will make pension saving more attractive for most. Gone are the restrictions that put off many. No need to buy an annuity, no excessive tax penalties. Personal pension savers can be sure that more of the money saved will be available to you and your families. That’s the way it should be. We are to be treated as grownups. Finally. There will be consequences of course. Some good, some bad, some ugly. Here are a few that immediately sprung to our minds.   THE GOOD: Flexibility and greater choice. You can shape your retirement income to suit you. Pension freedoms are transforming the pension landscape, giving you more choice than ever before in shaping your retirement plans to best meet your individual needs and circumstances. The new rules should give people more confidence to save in a pension as they will retain more control over their money. Changes include freedom to access your entire pension fund, choices over how to receive the tax-free cash from your pension fund, changes to death benefits and changes to contributions you can make in to your pension fund. THE BAD: Likely to be one of the bigger issues awaiting the unsuspecting is tax. Aside from the risk of being pushed into a higher rate tax bracket on pension withdrawals, there is the matter of “emergency tax”. People taking a lump sum from their scheme will be taxed as if they were starting the first of a series of monthly withdrawals which will continue for the rest of the year. Consequently, they will be given an emergency tax rate that pushes them up the tax bands – potentially to 45 per cent – and removes their tax-free personal allowance. THE UGLY: Those aged 65 could expect to live on average until nearly 85 *. How comfortable those years will be depends to a large extent on the decisions they make now. The big risk is that a generation may fritter away their pensions and have nothing for later in life. Without careful management you could spend your entire pot and run out of money. Good advice will be crucial. Could your creditors force you to hand over your pension pot to clear your debts? Or cover long term care costs? Only time will tell.   * Source data: Figures based on Prudential analysis of ONS figures for non-gender-specific period life expectancies at birth and at 65 […]