Our Services



Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.

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While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.

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When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.

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There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.

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Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.

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As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.

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Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.

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Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche IFA are regulated by the FCA to advise and sell equity release products.

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Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche IFA, we can help decide what type and level of insurance is suitable based on your current situation.

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Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.

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We are a firm of Independent Financial Advisers with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.

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Here at Niche IFA, we have developed a widely-used online suite of financial planning tools called CashCalc. CashCalc includes a cashflow modeller which we make use of to provide you with a closer look at your current financial situation and potential future.

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Whole of Life

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Whole of Life insurance

What is Whole of Life insurance?

Whole of Life insurance guarantees the payout of a lump sum whenever the policyholder dies, so long as the monthly premiums are maintained. Under whole of life cover, some of your monthly premiums are invested by the insurer into life funds. This means that both your premiums and your sum assured – which is the money paid out to your beneficiaries can change.

What are the different types of Whole Life insurance?

Whole of Life insurance cover comes in two main forms – maximum cover and balanced cover.

Balanced cover is the most popular form of whole of life insurance. Under this kind of policy, half of the premiums you pay to the insurer each month are paid into an investment fund. The other half are saved and put towards your sum assured.

Maximum cover is when the initial premiums (as well as the sum assured) are guaranteed not to increase for the first 10 years of the policy. After this initial period, the plan is reviewed and, if it becomes necessary, the premiums may go up.

What are the advantages and disadvantages of Whole Life cover?

Whole of Life cover comes with distinct advantages and disadvantages.

The most obvious advantage of whole of life cover is that it pays out whenever you die. This is not like term life insurance which only pays out during an agreed term. Conversely then, the disadvantage of this is that the premiums will be more expensive, and will take a bigger slice out of your monthly income.

Whole of life policies are only suitable if you can afford to be flexible about the eventual payout to your dependants. If you can’t, a term insurance policy will be a better option.