One of the biggest problems with modern society today is the complexity of products and services being offered when it comes to your finances.

Once upon a time a job was seen as for life, and that job met most of your financial needs. Your employer provided not only your regular wage, but also life assurance for your dependants, a pension when you retired and even sometimes long term protection against illness or disability.

Sadly those days are no more and it is up to the individual like yourself to seek the solutions. That in turn leads to legal & financial complexity and the need for answers.

The questions we are asked are numerous such as:

• What are my pensions' worth?
• Is my money in the right place?
• Is my State pension taxable?
• Will I have enough to live on in retirement?
• Are my investments safe?
• Are my investments as tax efficient as they could be?
• How can I reduce my inheritance tax liability?
• When I die will my spouse and children be financially secure?

Unless you have a background in finance the odds are that you will not know the answer to these questions. Now is certainly not the time to undertake a huge learning curve and trying to piece together the financial jigsaw of your life.

You need a coherent step by step plan with regular reviews and updates. What you need is professional advice!

As professional Independent Financial Advisers, Derbyshire Booth Financial Management Ltd are authorised to deal with many forms of financial services, and specialise in giving advice to clients on a wide range of subjects to assist with personal financial planning.

We listen to your needs, and offer clear, no-jargon advice on the most appropriate financial products for your personal circumstances.

Click on the right to see how we can help you.