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Investments

Investments

To make money a client must stay the course. Investing is a long-term game. To stay the course, an investor must be comfortable with the month by month fluctuations in performance. Communication is key and an awareness of levels of risk is essential.

Whether your goal is capital protection, capital growth, or income (or a mix of all three), Bread and Butter Advice Ltd can provide the right professional advice to secure your future.

Ask about our service plan to help you keep your investments on track.

  • ISAs.
  • OEICS (open ended investment companies).
  • Investment Bonds – Onshore and Offshore.
  • Growth Portfolios.
  • Income Portfolios.

The Financial Conduct Authority does not regulate offshore investments and deposit accounts.

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At Retirement Planning

Following the ground breaking 2014 spring budget it is more important than ever to consider all the available options as to what to do with your pension pot. We will guide you through the tax implications and risks associated with the options and give you our advice for your circumstances on:

  • How to utilise your pension tax free cash (commencement lump sum)

  • Annuities

  • Enhanced Annuities

  • Fixed Term Annuities

  • Flexible Drawdown Contracts

  • Flexible or Phased Retirement

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Mortgages

  • Bread and Butter Advice are here to help you with all of your mortgage needs. We can help with:
  • New Purchases.
  • First Time Buyers.
  • Buy To Let.
  • Self-build.
  • Commercial Premises.
  • Let To Buy.
  • Equity Release.

Bread and Butter Advice can provide access to the whole of the market. We will carry out extensive research, checking and talking with lenders to provide a tailor-made solution to your needs.

Your home may be repossessed if you do not keep up repayments on your mortgage.

In relation to mortgage work, most lenders will pay Bread and Butter Advice Ltd a procurement fee. This is received in addition to our fee to you of £295 per mortgage.

Equity Release may involve a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration.

For Equity Release advice we charge a fee typically of £695 plus any commission paid by the lender will be retained by the firm.

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Protection

  • Protect your family!
  • Protect your home!
  • Protect your income!
  • Protect your partnership!
  • Protect your loans and debts!
  • Protect Your shareholding!
  • And don’t forget to protect yourself!

Whatever you want to protect we can help!

Why do we find that so many new clients have overly expensive or completely inappropriate insurance protection in place?

For advice on:

  • Critical Illness Cover
  • Life Assurance
  • Protecting Your Income

Which Insurer has the best terms and conditions for your personal circumstances? We can advise.

Bread and Butter Advice recommends that you consider using trusts where appropriate with your insurance. Why? So that the RIGHT MONEY goes to the RIGHT PERSON at the RIGHT TIME.

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Pension Building

There is currently a huge choice of pension alternatives, which can cause confusion. These include:

  • Work Place Pensions
  • Personal Pension Plans (PPPs), including Group PPPs
  • Stakeholder Pension Plans
  • Contracting Out Pension Plans (APPs)
  • Final Salary Pension Plans
  • Money Purchase Pension Plans
  • Executive Pension Plans (EPPs)
  • Small Self Administered Schemes (SSAS)
  • Self Invested Personal Pension (SIPPS)
  • State Pension Forecasting

We can advise and arrange your pension. Our service offering is strongly recommended. Regular communication and guidance can help keep you on track.