Planning for your future

At Parker Sage Independent Financial Advisers Ltd our aim is to ensure that you have the best possible advice when planning your financial future.

Throughout our website you will find a wealth of information on a variety of financial topics and useful tools to help you gain a better understanding of the complexities of personal financial planning.

Our services include a review of your existing arrangements:

When was the last time you had a complete financial review? As your personal circumstances change, there may well be a need to update your current plans in order to establish adequate provision for the future.

For Companies:

Pension planning

Personal Pensions, Company Pension Schemes, Stakeholder Pensions schemes, Self Administered Pension Schemes, Unlocking/Transferring Deferred Pension Benefits and Additional Voluntary Contributions (AVCs).

No existing arrangements

If you are a company, regardless of size, considering a pension for the first time, Parker Sage can save you a lot of time and hassle, and advise you on the most suitable pension for your requirements, whether it be Stakeholder pensions, Group Personal Pensions, Small Self Invested Pensions (SSIP), Executive Pension Plans (EPP) or Small Self Administered Schemes (SSAS). If you decide to proceed we will manage the whole communication and implementation process to include presentations, one to one advice for employees and we will liaise with the pension provider for you.

With A-Day now passed companies should really be reviewing all their existing pension schemes whether they be Stakeholder pensions, Group Personal Pensions, Contracted Out Money Purchase Schemes (COMPS), Contracted In Money Purchase Schemes (CIMPS), Small Self Invested Pensions (SSIP), Executive Pension Plans (EPP) or Small Self Administered Schemes (SSAS).

Parker Sage’s advisers will be able to review and advise you as to:

• is the existing scheme the most suitable moving forwards
• is it run in the most cost efficient manner (chances are it probably isn’t)
• can administration be improved (chances are it probably can)
• how you can protect your employees tax free cash sums
• whether there is potential for the performance of the funds already built up to be bettered
• how best to provide advice to your employees in order that they fully understand the pension, how to target a specific retirement age and income level, match fund choice to risk profile and advice on any other pension schemes they may have from previous employment.

Group Life Insurance

Do you wish to provide or do you currently provide Death In Service for your employees. Parker Sage will review the market and obtain the most competitive quote for your requirements.

Healthcare

Parker Sage can tailor a Healthcare package for your company so that your employees can have access to private medical care if they or their families are unfortunate to fall ill.

Flexible Benefits

Employers are becoming increasingly aware of the need to offer flexible benefit packages as an incentive to recruit and retain quality staff. Moreover, by giving your employees the opportunity to make their own benefit decisions, you put them in control. With the freedom to choose, your employees will naturally take a keener interest in their benefits, which will place a higher value on the final package they receive. Plus a flex scheme may often be cheaper than you think.

Parker Sage can provide you and your employees with a modular approach to Flexible Benefits, with the versatility to be tailored to your company’s individual needs.

For Individuals:

Milestones in life

There are so many issues to consider when planning one's financial future, so here are a few 'milestones in life' to assist you.

Birth - starting school, university or college - starting work - change of job - first home - getting married - starting a family - moving house - change of location - redundancy - starting your own business - unexpected windfall - divorce - illness - retirement - death

With personal circumstances changing from time to time it is important to undertake a review of your financial position to accommodate all of your needs.

Investment planning & management

Investing for growth and/or income through Unit Trusts, Bonds, Offshore Funds and Stocks and Shares.

Savings plans

Various schemes to plan for future requirements such as children's education, wedding expenses, 18th or 21st birthday present, deposit on a first home or any other purpose.

Annuities

Capital investment to purchase a guaranteed income.

Contacting us

On our website you will find enquiry forms to assist you, or you can e-mail us with a general enquiry. Our contact details are listed on the foot of each page of our website, including our location map.