Service Overview

TISCO is a firm of Chartered Financial Planners providing fully independent advice on most financial matters.

You can always contact us to ask questions about your Scottish Widows pension scheme – we are here to ensure you understand how the policy works and help with any enquries you may have.

However, we are also authorised and regulated to provide personal financial advice should you require and as Chartered Financial Planners you can be assured of a high level or service and expertise.

You may want more in-depth help with your pensions – you may want more advanced investment options than those available with Scottish Widows or perhaps you want help with how to manage your funds in retirement.

We can also provide wealth management and investment advice outside pensions – be that with ISAs or General Investment Account.

We also advise on mortgages, inheritance tax planning, life and critical illness insurance and trusts.

TISCO private clients enjoy online access to all their investments, regular review services designed to fit your needs and a broad range of investment solutions.

For more information about our private client services please contact us.

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Mortgage and Re-mortgage advice

Buying a house is usually the biggest financial decision you will ever make, so getting the right mortgage is incredibly important.

Whether you are a first-time buyer, remortgaging or looking at the world of buy-to-let, our experienced and dedicated mortgage brokers offer a fully independent service looking at all types of mortgages from all types of providers.

We can help you understand the advantages and disadvantages of different options and make sure you have the right deal for you.

For more information about our mortgage service and to discuss your requirements further please call us on 01727 734040.

Wills, and Inheritance Tax Planning

You have worked hard for what you have got – don’t let unfortunate circumstances take it away.

Having a Will in place to protect your loved ones and your assets in the event of your death is something everyone knows they should have in place, but a surprising number of people don’t have a will at all, and many of those that do, have not updated it in years.

Whether it be ensuring that your wishes are respected should the worst happen, planning for inheritance tax or ensuring you have the right level of life cover, we can help.

We offer a comprehensive Will writing service, which includes family trusts and powers of attorney if required. There are numerous things to think about and we offer free consultations so that you can understand how it works.

For more information about our private client services and to discuss your needs, please call 01727 734040 or contact us.

Financial Review

Many of our clients approach us to help them with a particular “one off” need or “transactional” piece of business, like arranging a mortgage or life insurance, or writing a will.

We also offer a full financial review and private client service. The options are too numerous to list but it may involve advice on a portfolio of buy to let properties, or consolidating numerous pensions or investments. It may be generational wealth planning or planning to take an income in retirement.

As Chartered Financial Planners we will work with you to understand your needs and aspirations and then work together with you over the long term to ensure you are on track to meet your goals and are confident with your life plan as a result.

Please contact us on 01727 734040 to discuss your needs and our private client service in further detail. The initial meeting / discussion is always free and without obligation.

 

Pension Transfers

You may have other existing personal pensions or pensions from previous employers that you would like to consider consolidating or transferring to the Scottish Widows scheme.

This is a service that Scottish Widows are able to offer, however, just because you can do something doesn’t mean you should. Scottish Widows will follow a strict process to request information on your existing pension scheme or schemes to carry out the necessary research for you to make sure it is viable for you to transfer. There is no fee for this service.

Scottish Widows will require some information on your existing pension you wish to transfer. You can provide this information and start the transfer process by following THIS LINK.

Investments, ISAs and Wealth Management

TISCO provide a range of options and advice on Investments.

We will work with you to understand your attitude to risk and budget before advising on the most tax efficient way to hold your investments and creating an appropriate investment portfolio.

Typically our clients have General Investment Accounts (GIAs), Individual Savings Accounts (ISAs), bonds and pensions.

Alternatively please call us on 01727 734040 or visit the ‘contact us‘ page.

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Need more info?

Get in touch. We are here to help.

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