With finances and financial planning becoming ever more complicated with new products being constantly introduced, there has never been a better time to take independent advice from financial experts you can trust.

We are committed to providing each of our clients with the highest level of financial advice and our assurance is that this is totally independent and therefore always in your best interests. We will review any existing plan on your behalf to ensure that it meets your expectations.

Time to take a closer look..
Often our long term financial documents get tucked away and forgotten about. Our advice is always that policies and financial agreements should be reviewed at regular intervals. The financial products marketplace is hugely competitive and better deals can always be found. Often our own personal circumstances can change unexpectedly – change of job, loss of earnings, loss of a partner, relocation. These would be key times to have a closer look at insurance, investment and mortgage arrangements that you currently have.

Mortgages and Remortgages
We have access to every lender on the marketplace and an awareness of the best deals around and can facilitate a stress free transition from one lender to another on your behalf. We can also arrange legal and survey services on your behalf should they be required.

Protect Yourself
We can review any current insurance policies and protection plans you have and advise you if we feel that you can improve on your current deal or if a new or additional product is required. With increasing house prices and acquired wealth, many people are now falling into the inheritance tax bracket and therefore this has become a very important aspect of personal financial planning. We can source a wide range of products on your behalf, including:

• Inheritance Tax Planning
• Life Assurance
• Critical Illness Cover
• Mortgage and Loan Protection
• Business Protection
• Income Protection
• Savings

Different people need or want to save for a variety of different reasons. Maybe you want to build a nest egg? Maybe you need to plan ahead to pay for your childrens' further education, your daughter's wedding or other special occasion? Whatever the need, be it long, medium or short term, we can source the best plan for you and keep this under review on your behalf.
We also specialise in the provision of all aspects of financial advice for the Dental and Medical professions. Please visit Oswald Browne Associates Dental Practice Brokers website.

Managing Your Investments
Advising on ISAs, Bonds, Unit Trusts, OEICs and other collective investment schemes and Offshore Investments are a core part of the service we offer. We can review your needs and advise you on a wide range of products and funds to help you meet your objectives.

Planning for Your Retirement
Over the past few years, this has been a major area of concern for many people. We would be happy to review your existing pension arrangements and advise you as to whether these are on target or whether other measures are required.
We can advise on any type of pension.

And there's more...
Of course, we are happy to provide you with advice and information on a whole range of other financial services and products. Please contact us if you have a specific enquiry about any service not listed above. Remember, our commitment is to provide you with independent, unbiased advice and to act in your best interests at all times.