Independent financial advice
We go through your pensions, savings, investments and insurance with you and write down what you have, what it may be worth and what is missing. You keep the written summary.
We go through your pensions, savings, investments and insurance with you and write down what you have, what it may be worth and what is missing. You keep the written summary.
Twenty-five questions across six areas, with a written report.
Start →Whether your pensions will pay for the retirement you want.
Start →What your estate would pay, and which bands you can use.
Start →How much cover your family would need.
Start →Company profit paid into your pension, as salary or as a dividend.
Start →Life cover paid by your company against paying for it yourself.
Start →Capital gains tax with the 18% relief on the first £1 million.
Start →Twenty statements that sort into four patterns, with a report.
Start →How far your pension goes alongside the State Pension.
Read more →See what each provider charges and how to move or draw on a pot.
Read more →How pensions are valued and divided, in each part of the UK.
Read more →The 18% relief, the £1 million limit and the pension before the sale.
Read more →Paying into your pension from the company.
Read more →Pensions count towards inheritance tax from April 2027.
Read more →
You get a written summary of what you hold, including the parts that need no change.
If anything needs doing, you get the recommendation and the price in pounds, and you decide. After that we look at it again every year, and sooner if you change jobs, move house, inherit, get ill or sell a business.
The six steps in full →Sunny and Tony are independent financial advisers and Mike advises on mortgages and equity release. All three are on the Financial Conduct Authority register, which you can check before you speak to anyone. Carlo arranges your first meeting.
No, and the health check that follows it is at no cost to you either. You get a price in pounds before anything else happens.
You do not need a large sum. A large part of our work is for people with a couple of pensions, a mortgage and a family.
Yes, and we start there. We may recommend bringing them together, or leaving one where it is if it carries a guaranteed annuity rate that is no longer sold.
Buzz Financial Services is a trading style of Equity & General Financial Services Limited, which is directly authorised by the FCA in its own right, number 474163. It does not work under anybody else's network. There is no restricted panel and no parent company with products to place. We consider a sufficiently broad and diverse range of relevant products and providers across the market, subject to the scope of the service we provide.
Yes, with your say-so. We work alongside the accountant and solicitor you already use, so the advice and their work agree with each other.
No. Most of it is done by phone or video, wherever you are in the UK.
The health check is an hour on the phone, and you keep the written summary.
