Palmer Lane
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Palmer Lane We all want our money to work hard for us but with such a choice of different investments, how do you know you are maximising your returns and minimising. When you retire from work, you don't retire from life. You want to do all the things you were far too busy to do before and that's why planning your. Because none of us know what's round the corner, it's important we make plans to look after those we love, should the unexpected happen.

There are many different ways to save, but whichever way you choose, the general idea is the same: to build up some money. A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your. The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something.

Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these. Palmer Lane was founded by in 1991 and has been providing Independent Financial Advice ever since.
Highlights

read more › Palmer Lane was founded in 1991 and has been providing Independent Financial Advice ever since. Our advisers have a wealth of experience in looking after the financial needs of individuals along with business owners and their employees. We regularly work with other professionals helping to meet our and their clients' financial needs. All our advisers share a mutual goal of helping you to prosper, through providing easy to follow, clear Independent Financial Advice. We care about looking after your interests, taking time to listen and understand your needs before we make any recommendations.

read more › Don't believe everything you hear. Financial advice isn't just about making your money work harder. It's also about looking after your loved ones, enjoying your retirement, and not paying more tax than you need to. We all want our money to work hard for us but with such a choice of different investments, how do you know you are maximising your returns and minimising your risk? We'll get a thorough understanding of your views on investing, attitude to risk, your short, medium and long term goals and then advise you on the right portfolio to meet your needs and circumstances.

read more › Find out about our professional and experienced team - who they are, how they can help you and how you can contact them. Jeremy entered the Financial Services arena in 1987, initially involved in banking and finance. Jeremy became an independent financial adviser in 1995 advising clients on investment and tax planning issues. Over the years Jeremy has worked closely with law firms and accountancy practices culminating with him holding an executive role. She entered the Financial Services industry in 1986, after graduating from Reading University with an honours degree in French and Economics.

read more › We all have goals, dreams and ambitions for the future, for ourselves and our families, but how do we achieve them?. Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term. You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ambitions have financial implications and you can't leave it all to chance.

read more › All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably. These days, many people are not afraid to seek compensation. No win - no fee advertisements encourage claims, and businesses need to protect themselves against liability claims that could run into millions of pounds. In addition, you could be held personally responsible and even face criminal charges if found negligent.

read more › Directors and employees with highly specialist skills or knowledge are key employees of the companies they work for. To lose one as a result of a critical illness or death can be damaging to the business. That is why taking out Key Person insurance to protect the company is a wise move. The full scope of cover will depend on the type of policy purchased but companies ignore the risks of losing key staff at their peril. Shareholders, bank managers, suppliers and customers may not be so laid back.

read more › Most employers are required by the law to insure against liability for injury or disease to their employees arising out of their employment. Employers are responsible for the health and safety of their employees while they are at work. If your employees are injured at work, or they become ill as a result of their work while in your employment, they may claim compensation from you if they believe you are responsible. The Employers' Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

read more › Most professionals carry professional indemnity cover. If you sell professional advice, your knowledge or skills, you may wish to consider taking out professional indemnity insurance. If, for example, you made a mistake or are found to have been negligent in one or all of the services that you provide for clients, they may bring a claim for compensation against you. Professional Indemnity Insurance protects you against compensation actions by a client. Without this insurance, the financial security of your business could be threatened.

read more › It's when you need to make a claim that you realise just how wise investing in health and medical insurance can be. If you're unable to work because of illness or injury, under an employers group sickness scheme (Group IPI) salary is continued but is subject to tax and NI in the usual way. The maximum amount of income you can replace through insurance is broadly the after-tax earnings you have lost, less an adjustment for state benefits you can claim. As with all insurance, it is important that you have the right type of policy which provides all that you need it to do for you.

read more › Directors' or partners' share agreements may provide for the remaining directors to purchase the shares of other shareholding directors should they die. However there is a risk that the remaining directors may not have sufficient funds to hand when a fellow director passes away unexpectedly. To arrange such cover requires the understanding and agreement of all concerned. It will also require some careful calculations to determine how much cover is required. However, it will be a comfort to all directors or partners of a business to know that their own or a colleague's death will leave the other directors with sufficient support to carry out the terms of their shareholders' agreement.

read more › Recruiting, motivating and retaining able staff is a key preoccupation of many businesses. Getting the rewards mix right is an important ingredient in successfully managing such staff. Remuneration menus made up of pensions, life insurance, tax efficient bonuses and benefits are common in well-managed businesses. But they require careful planning and selection depending on the type of business and the type of staff who are involved. What motivates and retains staff at an internet start up business or a bioscience research operation may require a different balance than at a manufacturing business with a substantial production line workforce.

read more › Mortgages are loans which are intended to help buyers purchase residential and commercial property. When an individual takes out a loan, the lender charges interest: the same is true of a mortgage. A mortgage is a 'secured' loan, which means that the loan is secured against the value of the property being purchased until the mortgage is paid off. Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions. Mortgage providers follow a set of rules and procedures when deciding whether or not they will agree to provide a mortgage to purchase a residential property.

read more › Once their mortgage application has been accepted in principle, the borrower may have the option of deciding how he or she repays their loan: on a 'capital and interest' basis, on an 'interest only' basis, or as a combination of these two. An arrangement where part of the monthly repayment is used to pay the interest and the remainder is used to reduce the original amount of the loan. In the early years of the mortgage, most of the monthly repayment goes towards paying the interest; in later years, the interest charges diminish and more of the repayment is available to reduce the loan amount.

read more › The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the transaction from start to finish so that you understand exactly what the purchase entails and how much it will cost. We can recommend the services of local solicitors to assist in this process. This maybe the largest financial transaction you are ever likely to make so it must be done with clarity. Prior to the credit crunch, the property market moved very fast which led to significant increases in property prices.

read more › Remortgaging is the process of switching your existing mortgage to another mortgage lender, usually to lower the amount you're paying on your mortgage. You are not obliged to stick with your original lender for the full mortgage term, and you can move to another lender at any time to get a lower interest rate - you don't have to be buying a new home. Remortgaging could save you hundreds or even thousands of pounds over the term of the mortgage. It is important to note that early repayment charges may be applied by the existing lender.

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