We are a firm of Independent Financial Advisers and offer a free initial consultation. We specialise in: -Pensions -Investments - Inheritance Tax Planning -Business Protection - Life Assurance/ Income Protection.

Serviced Areas

  • North Wales Llandudno

Contact Details

  Website
  City Llandudno
  Postcode LL31 9DQ
  Address 38 Deganwy Quay, Deganwy
  Phone Number 01492 572 641

Products & Services

Protection

Protection

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.

Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.

There are many different ways to protect your family and your standard of living when you need it most.


Pension Simplification

Pension Simplification

Other changes included:

Early retirement age available from age 55
Full concurrency (i. e. being able to pay into any array of plans you wish) , subject to the Annual Allowance and potential for carry forward
Wide investment flexibility
Up to 25% tax-free cash
The ability to commute ‘small’ funds as a one-off lump sum as opposed to having to draw a regular income from age 55 (subject to part of the fund being taxed)
Flexible options at retirement when deciding to take benefits such as Flexi-access Drawdown
No need to ‘have to’ secure benefits at age 75 via an annuity
In addition, pension freedom gives individuals further and greater flexibility to access their pension savings from age 55.


Mortgages

Mortgages

Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time consuming experience; nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender’s offer.

Banks, building societies and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.

The two main methods of paying a mortgage are repayment (capital and interest) and interest-only. It is also sometimes possible to set this up using a combination of the two.

Customer Testimonials

Paul Boulton has been dealing with my families affairs for many years. He has helped my parents to set up a trust fund and advise them on tax issues after retirement. After I was widowed Paul assisted me in sorting out complicated finances. He gave sound advice on how I could invest for the future and that of my 2 young sons. No phone call was too much trouble. He is friendly, approachable, knowledgeable and very professional. With his help I am able to retire early from teaching and have my long awaited gap year. I can recommend his services. Paul has given impartial advice on how to plan for my future. Paul was very concerned that I did the right thing for me. He helped me have a clearer vision on how to move forward. He helped me to have a Financial Life Plan. He is worth every penny as he is an expert. I trust him and respect his knowledge


Found Paul very helpful and easy to communicate with. I cannot advise of any suggestions that would improve Paul’s advice, I found that he did an excellent job


Paul is a very professional advisor and I would highly recommend him. He always listens and gives great advice. He is always on the end of the phone which is good