Financial Concepts Independent Financial Advisors are a complete one-step financial services solution. We offer a wide range of financial services including Life Assurance, Investments, Pensions, Mortgages, Equity Release, Long Term Care, Tax Planning and General Insurance, Including Home and Contents and Accident, Sickness and Redundancy cover. With offices both in Carlisle and Whitehaven and a growing team of highly qualified and experienced staff, we are looking forward to the future and we will continue to provide all of our clients with financial planning of the highest quality BUSINESS INSURANCE Most prudent business people insure their business property, cars and machinery etc. Not many insure the most expensive asset of any business - It’s People! Consider the effect on your business if you, or one of your “Key” employees were to die or become seriously ill. Would you like to be in business with your partner’s (or Director’s) widow’s next husband? Share protection is vital if you are to safeguard the ownership of your business. SAVINGS We all have things we want to save for... Weddings; A World Cruise; School or University Fees... even a classic car. If you don’t put money away in a regular, disciplined way... who else will? INVESTMENTS Are you getting a good return on your investments? Unit Trusts, Bonds and Individual Savings Accounts (ISAs) can provide a flexible and tax efficient means of saving for lump sums or regular monthly amounts. MORTGAGES Are you looking to move home, or do you think you are paying to much for your current mortgage? There are many offers around today so why not take advantage, and perhaps save money? Financial Concepts can introduce you to the leading rates, using up-to-date technology to source the most suitable deal for you. EQUITY RELEASE Are you over 60 and would like to look into releasing equity from you home might just be the answer to raising the money you need without you needing to move. It is a big decision and there are many aspects to consider, such as any effect it may have on your tax status or your entitlement to means tested benefits. Releasing equity also requires the value of your estate for future beneficiaries. BUILDINGS & CONTENTS INSURANCE We have a range of companies we can use to provide competitive quotes for Buildings and Contents, or Contents Only insurance, including cover for Landlords on Buy-To-Let properties. PROTECTION The need for protection through Life Assurance is always of paramount importance. How would your family cope after your untimely death? As Independent Financial Advisors, Financial Concepts can search the market for the most competitive terms. PENSIONS “The State will Provide!” It will provide, but only in a limited way. Your employer may help, but what if you don’t have a Company Scheme? Even if you do, will it give you enough to live on? CRITICAL ILLNESS & INCOME PROTECTION You are much more likely to suffer a serious illness than die before you retire. It could be a very worrying time and you and your family should not have to be concerned at the same time about loss of income and problems with money. COMPANY BENEFITS Are you looking to set up an Employers Pension Scheme, Group Life Assurance or Income Protection Plan for you and your employees? We can advise you on the most efficient route and the best provider to suit your requirements.