Financial Planning Advisors

Mortgages

Our mortgage advice services cover all aspects of mortgaging a property, including:

• Residential mortgages
• Commercial mortgages
• Remortgages

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Investments and Savings

Our investments and savings services include:

• Individual Savings Accounts (ISAs): Cash ISAs, Stocks and Shares ISAs, Lifetime ISAs
• Pension planning: Workplace pensions, personal pensions, pension transfers
• Retirement income strategies
• Investment planning
• Tax-efficient investing
• Long-term wealth building
• Ongoing portfolio management

Regulatory:

The value of investments may go down as well as up and you may get back less than you invest.

An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

Off shore collectives are complex investments and are not suitable for everyone. You should seek financial advice before entering into this type of investment.

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Equity release

Our equity release services include:

• Lifetime Mortgages: Borrow against your home while retaining ownership.
• Home Reversion Plans: Sell a part of your home while continuing to live in it.
• Flexible Payment Options: Choose how you want to access your money.
• Tax-Free Lump Sum or Income: Receive funds without tax implications.
• Impact on Inheritance: Understand how this choice affects your estate.
• Regulatory Safeguards: We ensure you are fully informed of the implications.

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Family Protection - Safeguarding Your Loved Ones

At Applewood Financial Solutions Ltd, we prioritise your family's financial security. Our family protection services are designed to provide peace of mind in times of uncertainty. Our offerings include:

• Life Insurance: Ensure your loved ones are financially supported in your absence.
• Critical Illness Cover: Financial protection if you are diagnosed with a serious illness.
• Income Protection: Safeguard your income against unforeseen circumstances that may affect your ability to work.
• Whole of Life Insurance: A comprehensive policy that provides lifelong coverage.

Our independent financial planning advisors are here to assess your requirements and recommend the most suitable options to protect your family's financial future.

Regulatory:

Cover will cease on insurance products if premium payments are not maintained.

These plans have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

The definitions vary between product providers, and will be described in the key features and policy document, if you go ahead with the plan.

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Personalised Retirement Plans

Planning for retirement is crucial for achieving the lifestyle you desire. At Applewood Financial, we provide expert retirement planning advice to ensure your savings and investments align with your long-term goals. Our approach includes:

• Personalised Retirement Plans: Strategies that reflect your aspirations and financial situation.
• Pensions and Investments: Comprehensive advice on how to manage your pension and investment portfolios effectively.
• Ongoing Support: Regular reviews to ensure your retirement plan stays on track.

Regulatory:

A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual's circumstances.

A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.

Advice on auto enrolment pensions is not regulated by the financial conduct authority.

As financial planning advisors, we take pride in our commitment to helping you secure a financially stable and fulfilling retirement.

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