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How can I invest the money that I have inherited in the most tax efficient way?

This will all depend on your needs. We may suggest you top up an existing pension if you are close to retirement or we may choose an appropriate investment for your needs. Whatever we do, we will look at your goals and your attitude to risk. This is vital to get investments right and it is where we are skilled in the area of financial planning.

How best should I manage my pension in retirement?

We carry out a process of cash-flow modelling to help our clients understand how much income they can expect to receive in retirement. If you are close to retirement, it is important to understand how much you can spend to help your money last.

I don’t have much of a deposit for my first home, does this matter?

Many lenders use the mortgage guarantee scheme which is a Government initiative to help borrowers borrow and lenders lend. This makes it more likely that you will be able to get a mortgage with just 5% deposit.

What advice can you give me about planning my later years, including a will and possibly Lasting Power of Attorney’s?

We would urge anyone who is a business owner or who has dependants to take out a will. Lasting Power of Attorney’s are advised if it is not clear who may make decisions on behalf of the person should they lose mental capacity. Each situation is different from the next , but we can put you in touch with our wills partner if you would like any more information.

I need to re-mortgage my home can you help with this?

We have more people returning to us for a re-mortgage month on month. We believe this is due to our dedication to your mortgage needs, attention to detail and a willingness to always go the extra mile. Independence as a mortgage broker helps us to do this.

I don’t have much life insurance, do I need it and what are the best terms?

We would always recommend some form of life insurance or critical illness cover and would review what you already have to make sure it is right for you.  We also help you reduce your outgoings by reviewing the cover you are currently paying for to help you with current expenditure.

I haven’t got a pension yet but would like to consider one. 

Making sure you accumulate sufficient financial resources to fund the retirement lifestyle you want and meet needs that arise is likely to take many years. The earlier you start with what you can afford the better as leaving it too late will mean making greater contributions further down the line.

I have a workplace pension and think it will be enough for me, how can I find out if it is?

We can look at the pension you have and guide you on the returns you can expect from it. It could be that the workplace pension is sufficient for your needs and we would advise you to leave it there; or we could suggest you pay in more to this pension or consider an additional form of investment.

I want to retire in a few years time, how do I know if I have enough money to live off?

At least five years from retirement, checking to see what income you need and what you have to live off is vitally important. You want your money to last, so speak to us to help you do this!



The Financial Conduct Authority does not regulate commercial property mortgages.

The Financial Conduct Authority does not regulate Wills or Lasting Power of Attorney advice.

The value of investment can go down as well as up and you may get back less than the amount invested. 

Perspective (Brighter)

Halifax Office
66 West Street
Sowerby Bridge

Telephone: 01422 832100

All calls to and from our landlines and mobiles are recorded to meet regulatory requirements.

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Perspective (Brighter) is a trading style of Perspective (North East) Ltd which is authorised and regulated by the Financial Conduct Authority.

Perspective (North East) Ltd, Registered in England and Wales No 04163906 Registered Office: Lancaster House, Ackhurst Business Park, Foxhole Road, Chorley PR7 1NY.

Perspective (North East) Ltd is a subsidiary of Perspective Financial Group Ltd.

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What to do if we didn’t get something right

We strive to deliver the highest possible level of service to every client, every time. If we got things right, we’re always happy to hear that – thank you. If we didn’t, in the first instance, please contact your Financial Planner or their Office Principal about the matter using the contact details on our website.

Should you not be satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service
Exchange Tower, London, E14 9SR

Tel: 0800 023 4567 or 0300 123 9123