About Us

Need cover for your business premises, your key employee's your companies liability insurance or just your home and contents? Give us a call and see if we can better your current quote

We hope you find the site both useful and informative. Over time our aim is to expand the site to offer more services such as viewing your policies and portfolios securely on the site but we would welcome your feedback not only on the current content and presentation of the site but how you feel it could be improved or indeed what other services or information we could include to help you.

We offer a comprehensive financial planning service for all your investment and protection needs. Take Time out now to secure your own and your families future:

Pension Planning
When do you want to retire and how much income will you need?

Life Assurance
How much cash would your family need to maintain their current lifestyle if you die prematurely?

Income Protection
Would you require a regular income or a cash sum if you suffered a serious illness or disability?

Investments/Regular Savings
Are you making the best use of any spare capital or surplus income?

Mortgages
Do you want to reduce your current mortgage outlay or are you moving home?

KRD Financial Advisers Ltd is a small dynamic business offering financial advice to clients and business's throughout the Midlands area. The firm is now located in the village of Hagley nr Stourbridge after relocating from nearby Kidderminster. The firm offers a comprehensive financial advice service, which is intended to be cost effective for everyone. With so many options available its imperative that clients get someone who will look after their interests, as well as helping them achieve their goals.

Business Protection

Business protection is all about insuring for the unexpected. It's a way of protecting your business if something goes wrong. It can provide an essential safety net for all types of business.

Shareholder Protection
Shareholder Protection
In the interests of financial security, business stability, and continuity - particularly for private limited companies where there may only be a small number of principal shareholders - it is essential to provide a safety net following the loss of a shareholder
Partnership Protection
Partnership Protection
One of the great risks of a business partnership is that one of your colleagues may die, with his or her share of the business passing to someone else. The safety net is a pre-arranged scheme to ensure the surviving partners have enough funds to buy out the interest in the business, or compensate the deceased's dependents.
Key Person Insurance
Key Person Insurance
Key person insurance, also formerly called key man insurance, is an important form of business insurance. There is no legal definition for 'key person insurance'. In general, it can be described as an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of the member of the business specified on the policy.

Capital Gains Tax

This document contains a short explanation of Capital Gains Tax, the allowances available in the 2013/14 tax year, and how you can use it in your year end tax planning.

Free Financial Healthcheck

KRD Financial Advisers Limited are pleased to offer a FREE financial Healthcheck. As financial matters get more and more complex it gets more and more important that you get the right financial advice and products. Why not take advantage of our free service as all we do is review your situation and see if it is how you want it to be? Give us a call now on 01562 888440 and ask for Dave Jones or email dave@krdfa.com You may also wish to look at our wesite which is www.krdfa.com

Civil Partnerships

You are probably aware that the Civil Partnerships Act 2004 has now come into force with the first registrations having taken place in December 2005. A registered civil partnership is designed to be very much equivalent to a marriage for same sex couples. It carries both rights and responsibilities. In very broad terms, Registered Civil Partnerships will attract the same legal and tax protections/advantages/disadvantages as a traditional marriage. This article explains further.

Inheritance Tax

A short explanation of Inheritance Tax and how to plan for it in your tax planning.

Investments

Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.

The value of units can fall as well as rise, and you may not get back all of your original investment.

Mortgages

Not only do you need to consider which mortgage is best for you, you also need to think about which interest rate options are most likely to suit your needs. This section has information on the various types of mortgage product which are available.

Pension Planning

It's important to plan ahead for your retirement. Here, we explain why pension planning is so important, and describe some of the options available to you. This information is intended only as guidance. For advice on your specific circumstances, please get in touch.

The value of your pension can fall as well as rise and you may not get back the original amount invested.

Life and Protection Insurance

The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. With this in mind, it makes sense to periodically review your cover with the help of a professional financial adviser. This section provides helpful information on the different types of protection product available.

The Financial Conduct Authority does not regulate Trusts.

Free Annuity Comparison So You Can Maximise Your Retirement Income!

HOW TO GET A BETTER ANNUITY RATE & INCREASE YOUR RETIREMENT INCOME BY UP TO 30% AND MORE IN CERTAIN CIRCUMSTANCES

By exercising your OPEN MARKET OPTION and shopping around you could increase your retirement income by up to 30%! (Click Here For FSA "Your Guide To Retirement") Different providers offer different features and benefits and every case is unique so there is no short answer as to which company is best for you. For instance, consider some of the following questions:

Are you entitled to an Enhanced Annuity through ill health?
Do you want to take your 25% tax free cash lump sum?
Do you require an income now but deferring annuitising?
Do you want your retirement income to increase with inflation?
Would you want your spouse/partner to benefit after your death if they outlive you?
These are just some of the things you need to consider and it is important you get it right at the start as once you have 'bought' your annuity you cannot change this. We have access to all the UK annuity companies and our fast friendly service will guide you to whichever one is best for you! We will save you time and almost certainly get you a better rate than you will get from your current pension provider. Complete our FREE NO OBLIGATION FORM or call 01562 888440 to find out how much more you can get in retirement!

Trading Since

2006