Free Consultation

You can have a free initial consultation, with a financial adviser/advisor. There's no fee, no catch and no obligation on your part.  We can call you to arrange a time that suits you. No pressure, no problems!

It takes time to provide quality investment advice, so Millhaven, (Reading), gives plenty of time to gather all the necessary information, to provide the required investment advice, that you require and deserve.

Please feel free to call Millhaven on, (Reading), 0118 958 6562

E Mail Millhaven on:- stuart@slawes.fsnet.co.uk

Or click on NEXT below for direct message service.

And remember Millhaven, (Reading), offers:

Mortgage solutions, remortgaging strategies, pension planning, investment advice, protection plans, retirement options, drawdown, pension transferrs, and finanial planning for private clients and for corporate clients.

Some of the areas Millhaven cover:-

Reading, Wokingham, Newbury, Windsor, Eton, Ascot, Maidenhead, Henely On Thames, Marlow, Oxford, Bracknell, Slough, Cookham, High Wycombe, Wallingford, Hungerford, Swindon, Basingstoke, Camberley, Berkshire, South of England, London.

 

Economic Situation For:-

March  2011  (released 12/04/11)

Economic Cycle: Coming from recession into slow upswing.

Inflation (annual):

CPI (index used across Europe)   4.0%

RPI (all index)                                    5.3%

RPI (excluding mortgages)            5.4%

GDP (country's income) up 1 yr     1.8% 

GDP for the last 3 months up         0.5%

Average pay (2009 figs)               £25,948

Unemployment rate, Dec/ Feb 2011   7.8%,

Average house price Dec 2010 £162,763 (over 6 times average earnings - high). Too high for first time buyers. House prices expected to drop by up to 10% during the first part of 2011 according to commentators. Market semtiment - rather gloomy, with increases in fuel duty, VAT, and national insurance coming up early in 2011.

 

 

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Whole of Life Insurance

Whole of Life insurance may be more expensive, but unlike term assurance, which limits cash payouts to a set time scale, it will pay out benefits to surviving partners and your dependants, whenever you die. Another advantage is when the age specified by the policy is reached – often between 70 and 80 years old - you will no longer pay premiums, but will still have the reassurance of cover for the remainder of your life. The proviso is you must keep up payments until then, with no break in cover.

As an investment-based product, there is also a cash-in value, although you won’t see it for some time, and in some cases a Whole of Life insurance policy can be used to mitigate a potential inferitance tax liability.

Who does it suit?

· People who want longer reassurance and something to show for their monthly premiums, no matter when they die.
· When a payout will definitely be needed, for example, to cover an inheritance tax liability of a large estate, or if you want to guarantee your children a cash inheritance.

It is important to choose a life assurance vehicle that continues to meet your evolving family needs. These are long-term plans, so before acting, ask us about your options and what the financial implications will be.

How much cover is enough? 

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