Please visit our website for a full list of our services. We hope the many aspects detailed will give you the confidence that our knowledge and experience in dealing with you would encompass the simplest to the most complex areas of personal and corporate advice and with this in mind we would love to hear from you.

Serviced Areas

  • North West ideally

Contact Details

  Website
  City Warrington
  Postcode WA3 7EQ
  Address 1 Abbey Close, Croft
  Phone Number 019 2576 7891

From Our Website

Established in 2003, the team at MRB Financial Management has many years' experience providing practical financial planning advice to people, families and businesses primarily in the North West of England. We provide advice across a wide range of services including investments, savings, pensions, auto enrolment and protection. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client, and to implementing tailored financial plans to address those needs.


In recent years the pensions industry has become more advanced in terms of the flexibility of investments available and the structure of the actual pension arrangements. This is an area of constant change and we recommend regularly reviewing your pension provision to plan for a secure and enjoyable retirement. A Self-Invested Personal Pension (SIPP) is a tax-efficient wrapper within which a wide range of investments can be held. SIPPs have the same tax benefits and regulations as conventional personal pension plans but have control over the investment choice - each SIPP is unique to the individual.


There are several ways in which you can protect yourself and your family in the event of an untimely death. Most people take out life assurance to provide for their families and alleviate any financial worries at a difficult time. Level Term Assurance pays a lump sum in the event of death during the term of the policy. There is no investment element within a term assurance contract, so at the end of the term there is no maturity value and life cover ends. The benefit is paid tax-free. Premiums are usually monthly and fixed throughout the term.


A business may want to protect the key employees within their firm - perhaps the key salesperson, or the IT manager, without whom the business would not function properly. Keyperson / shareholder / partnership protection can provide a fixed sum should the individual be unable to work, or even die. The benefit will be designed to cover the firm's expenses in meeting any emergency costs, recruiting a replacement employee and protecting the future of the business. If a shareholder were to pass away, the firms remaining shareholders or directors may want to purchase the deceased's shares from their estate promptly to maintain control of their business.


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 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 various 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.


Pensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired. There are many different 'tools' used to save for retirement, the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension income to provide for your retirement. The new State Pension is a regular payment from the government that you can claim if you have reached State Pension Age (SPA) on or after 6 April 2016.


Auto enrolment is a government initiative to help people save for later life through a workplace pension. In the past, many employees may have missed out on valuable pension benefits, either because they didn't join their company's pension scheme or their employer didn't offer them a pension. This was changed by the introduction of auto enrolment which makes it compulsory for employers to enrol eligible employees into a pension scheme and to pay a minimum contribution into it. The government has set minimum levels of contributions that must be paid to the workplace pension scheme by you and/or your employer.


From childhood, most of us are told to put away money to save for the future - perhaps for something special; or maybe to be sure that when we really need something we have the funds to acquire it, without taking on debt. People's aims are broadly the same; to provide for future needs, and to protect ourselves against unexpected expenditure, events and inflation. When planning your finances, it is important to distinguish between savings and investments. Savings are generally funds that you set aside that can be accessed relatively quickly.