Financial Planning

Financial planning sits at the centre of everything we do for our clients. We provide a client-centric approach to all out interactions and the advice is driven by your wants and needs. Our comprehensive financial planning service will provide comfort and a realistic longer term plan to help you achieve your goals and answer your financial questions.

What is Mortgage Protection?

Mortgage protection is a form of life assurance which pays off the outstanding balance on your mortgage should you die before the mortgage is fully repaid.
We are impartial and will search the market to find you the Market lowest price.
If you haven’t reviewed this area recently or received your mortgage protection from a bank call us today - We can help reduce your costs but keep your required level of cover!

Main Areas Milford Financial Services can assist with:
  • Life & Serious Illness Cover
  • Mortgage Protection
  • Income Protection
  • Inheritance & Succession Planning
  • Pension & Retirement Planning (Pre & Post)
  • Point of Retirement Advice
  • Investments
  • Savings
  • Mortgages & Re-mortgage Options
  • Director & Corporate Pension Schemes

Protection should be the foundation of any good financial plan. Ensuring that your income is protected and that your family have the security of a replacement income in the event of death, illness or disability. Ask us about our tax deductible income protection options.

Retirement Planning

Everyone’s retirement plans, needs and ambitions are different. Therefore there is a broad range of pension options which we will help you to make sense of. Each option is designed to help make your retirement planning as straight forward, effective and financially rewarding as possible. We also offer point of retirement planning advice also, please feel free to contact us and find out more about this useful service.

Investments & Savings​

The process starts with finding out about you and your investment goals: how long you want to invest for, what is the money required for, have you provided for short / medium / long term financial needs, etc. We then make specific investment recommendations for your particular requirements.

Business Protection

Business Protection Insurance, also known as Keyperson Insurance, is an insurance policy that protects the lives of key persons within a business, partnership Insurance or Section 72 Polices for Inheritance Tax bills etc.

Dealing with life’s important financial questions

Serious Illness Cover

Serious Illness Cover is a benefit which pays out a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers.

Income Protection

Have you ever thought how you or your family would cope financially if you were to suffer from an illness or injury and were unable to work?

Business Protection Insurance

Business Protection Insurance ensures that you, your co-workers and the business itself are insured for the unexpected.

Life Cover

Contact us to discuss Life Cover Services in more detail…

Consolidating Pensions

The days of working for the same employer for your whole working life are no more. We are finding it is more common for a person to change employers every few years. If this is you, and you were a member of the company pension scheme with each employer, you should talk to us about consolidating your pensions.

Deferred Pensions

If you have one or more paid-up or deferred pension, you will have a number of options. Aside from leaving it where it is, you may have the choice to bring it to your current employer or to put it into an account in your own name, which is called a “Buy Out Bond”. It is always worth doing an analysis of what is the best option for you.

Pension tracing

Milford Financial Services also offers pension tracing and services. Many people have left pensions with their former employers and have no information on their benefits. We have successfully investigated numerous cases on behalf of our clients’.

Second Opinion Service

With the ongoing changes to tax and investments, policy and legislation, it is vital to ensure that your personal finances are fit for purpose. It is quite often the case that you can benefit from having a second opinion to review these plans.

A cup of coffee and a second opinion

You are welcome to contact us and have a chat with us. We will discuss your financial goals, for today and for the future. We will examine the mechanisms you have in place to achieve these (pension and investment portfolios for example or protection policies and succession planning). If we think your present structure aligns to your financial goals we will happily let you know and increase your peace of mind or………on the other hand, if we think some of your or all of your present structure no longer aligns with your goals, we’ll explain why, in plain English and we can discuss some alternatives to help you with this. Two of the biggest issues here would be charging structures and lack of true diversification.

Either way, the only cost is time.

What Fees Do You Charge?

While we believe it can be advantageous to take payment for our services from the Insurance or Investment Companies with whom we do business, you can also choose us to work for you on a fee-only basis. This will mean that we will agree the scope of work required, and we will quote you a fee for this. There will be an hourly rate for any excess. In some cases, where we recommend or assist you with a product or service with whom we do not have an Agency, we will notify you beforehand that a fee will be payable. Please look at our Terms of Business for further information