Taylor Hartley Partnership

Taylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.Taylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future
Taylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Taylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.Taylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.Taylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & SaviTaylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.ngs for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investinTaylor Hartley Partnership has committed to Independent Financial Advice from the outset as this enables us to provide advice tailored specifically to your needs from the ‘whole of the market' rather than an inflexible, restricted range of products. Our advice process has several stages but initial meetings are without obligation and can be arranged at our offices or your home or business, at your convenience, often outside of normal office hours.

We will provide you with a detailed client proposition explaining our ongoing services and our terms of business which will transparently detail our costs and product charges to avoid any confusion or misunderstanding. These charges will be agreed with you at outset with signed terms of business. All necessary administration will be conducted on your behalf and we will monitor progress until completion. Passwords will be provided to enable you to log in to our website and access your own personal records and valuations.

Our advice covers an extensive range of subjects but our core areas are as follows:

Basic Family Protection

This subject is without doubt, the most important area of advice for families. It is imperative to ensure adequate resources are available to discharge mortgage borrowings and provide income for your family in the event of death or diagnosis of a life threatening illness.
It is extremely rare to meet a new client who has their affairs totally in order and most people will have some provision in place but this is usually inadequate or more expensive than is necessary. We offer a complete review of your protection policies free of charge to ensure peace of mind for your loved ones.

Mortgage Borrowing

Arranging a mortgage in today's current climate is significantly more difficult than it used to be when lending criteria was extremely flexible. Current lending rules are very strict and sourcing the right lender with the right deal, requires an in depth knowledge of the products available and expertise in dealing with lenders. We will also liaise with your Estate Agents and Solicitor to take the stress out of your property purchase.

Long Term Care Fees and Later Life Planning

This is a technically complex area which requires specialist qualifications and has been developed over a number of years within the Practice culminating in an accreditation from the Society of Later Life Advisers (SOLLA) - www.societyoflaterlifeadvisers.co.uk. The subject of Long Term Care is an emotive one due to the financial pressures placed on families and the sale of assets, not least the family home. Early planning can ensure your family retains control of your assets rather the Local Authority or a Court Deputy.

Planning for Care fees requires a comprehensive understanding of current legislation and the Department of Health's Charging for Residential Accommodation Guidelines (CRAG) which is reviewed on an annual basis.

Our expertise encompasses the following areas:

• Wills – To ensure your beneficiaries receive their inheritance on your death.

• Lasting Powers of Attorney – Should you be unable to make decisions due to lack of mental capacity you will need to have appointed attorneys and have officially registered them with the Office of the Public Guardian. This needs to be addressed in advance of diagnosis of any loss of
mental capacity to avoid intervention by the Court of Protection.

• Use of Trust Planning – Effectively placing assets in a ‘deposit box' to ensure your intended beneficiaries receive their inheritance without
challenge.

• Equity Release – Essentially, a last resort but in some circumstances imperative to purchase sufficient income to meet care fees and protect at
least some of the estate.

• Effective Investment and the use of Insurance Bonds – A simplified investment to provide the potential for capital growth and income
which can be arranged to suit your 'risk profile' - a capital guarantee is also available.

Investment & Savings for the Future

Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.g in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.
Investments are the most daunting and complex area for consumers due to the potential risks involved. During the credit crunch of 2008, billions of pounds were lost when markets collapsed creating a ‘new world of fear' and discouraging savers from investing in products riskier than deposit accounts. Savers have suffered over this period as low interest rates still prevail but our research and expertise has resulted in our clients enjoying returns of over 6% on an annual basis in a low risk environment. Our knowledge and independent status means we are able to adapt to market forces and provide a positive experience for our clients.

If you are unhappy with the returns you are currently receiving from your bank or building society then why not take advantage of an initial discussion free of charge.

University Fees Planning

Every parent wishes to give their children the best opportunity in life and this is usually by virtue of a good education. University fees were introduced and will result in a generation with significant debts before they even step on the first rung of their career ladder.

Child Benefit for your first child is currently £20.30 per week and if saved over eighteen years will accumulate a minimum fund of £19,000. This figure does not include any interest or bonuses but merely demonstrates the power of regular savings. University may not be a priority but at least a fund will have been created to assist your child's future and we have a variety of savings strategies to help savings grow.

Retirement Planning

The retirement savings gap is a major concern for the government and for us all which has resulted in the introduction of automatic enrolment into Work Place Pensions. The jury is out as to whether this will provide a reasonable level of income in retirement and certainly doesn't help the self-employed but regardless, the awareness to save for retirement has never been greater and we suggest an appraisal of your position would be more than prudent to create a strategy for your retirement.

Funeral Plans

The purpose of a Funeral plan is to protect against rising funeral costs which is a better option than saving for you funeral if you are aged over 50. We are able to arrange plans with several providers and our research revealed some interesting data.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.

In 2004, an average funeral cost around £1,920 but this has now increased to an average cost of £3,456 – an increase of 80% in nine years, well above the level of inflation. If this trend continues, the average cost of a funeral in 2022 will be over £6,220.

There are plans to suit every need with flexible payment terms to give you and your family comfort and peace of mind at a very difficult time.