ADDITIONAL SERVICES

Bragagnini Associates Financial Solutions can offer a wide range of services to complement and add to your overall financial planning.

We therefore offer the items on the left as part of our standard service. Just ask your adviser for more details.

PROTECTION INSURANCE

A house is often the biggest asset that a client will ever own and therefore it is vital that the asset is protected against life’s eventualities such as death, long-term sickness, critical illness, unemployment and retirement.

We have access to the entire market for all types of protection insurance and will provide specific advice, including competitive costings to meet with a client’s budget.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

GENERAL INSURANCE

Buildings cover is a legal requirement on a property whilst contents insurance is also standard if not yet the law.

As part of our mortgage service we will provide competitive quotes from our panel of providers and ensure that your policy is on risk at the exchange stage.

We also have access to other general insurance products such as car, holiday, pet, commercial lines etc. and although we do not class this as “core” business we are happy to refer you to one of our strategic partners who specialise in this area.

WILLS & ESTATE PLANNING

Statistics prove that many people never get around to arranging their will and this causes major issues should they die intestate. We offer advice on all types of wills and trusts at a very competitive price and handle the entire process on your behalf.

With todays average UK house price being £225,000 many peoples assets are now over the Inheritance Tax (IHT) threshold meaning that substantial tax will have to be paid upon death. There are simple ways of protecting against this and we can provide specific advice in this area.

This activity is not regulated by the Financial Conduct Authority.

EMPLOYEE BENEFITS

Bragagnini Associates Financial Solutions have highly experienced advisers who can provide advice to employers on areas such as group pension schemes, group benefit schemes, group life cover and group private medical insurance, explaining the benefits to both the employer and employees.

This service can be invaluable, meaning that a business can then concentrate on the day-to-day running of things, knowing that we are behind the scenes, giving the corporate planning side of the business our full attention.

CONVEYANCING

We work with a well established panel of conveyancing firms who offer a speedy and highly professional service using modern technology whilst also maintaining that all important personal touch.

Above all else they offer extremely competitive rates and will beat most high street firms. We will provide you with a no obligation quote as part of our standard mortgage service.

SECURED & UNSECURED LOANS

There are times when a client does not, or cannot raise funds via a standard mortgage.

We therefore offer access to a range of secured and unsecured loans for clients via our panel of providers.

We have advisers who are highly experienced in this area to help you.

Secured and Unsecured Lending is not regulated by the Financial Conduct Authority.

COMMERCIAL FINANCE

Many of our Advisers have a banking background meaning that we understand the often complex area of commercial finance.

Whether it is a commercial property transaction, a requirement for bridging finance, invoice discounting or factoring we can discuss your options and provide you with solutions via our panel of leading commercial finance companies which includes the major high street lenders.

Commercial Finance is not regulated by the Financial Conduct Authority.

WHY DO I NEED A WILL?

Statistics prove that many people never get around to arranging their will and this causes major issues should they die intestate. We offer advice on all types of wills and trusts at a very competitive price and handle the entire process on your behalf.

With today’s average UK house prices, many people’s assets may now take them over the Inheritance Tax (IHT) threshold, meaning that substantial tax will have to be paid upon death.

There are simple ways of protecting against this and we can provide specific advice in this area.

WHY DO I NEED LIFE INSURANCE?

Life insurance is one of the most important things you can do to take care of your family and loved ones.

If you die without life insurance, your home could be repossessed and your family could suffer serious financial hardship.

Life insurance can be set up in many different ways and it’s important to get the right advice for your needs and circumstances.

Beware of cheap life cover and price comparison websites. Unless you have independent financial advice you could end up with the wrong type of cover or not enough cover and could also be paying too much.

It is important to put your life cover into a trust. This means that the benefits of your policy are given to specific people you nominate, known as your beneficiaries. The advantage of this is a policy validly placed in trust may mitigate the effects of inheritance tax.

At Bragagnini Associates, we have many years of experience in this area and can tailor plans to your personal needs, thus giving you peace of mind and confidence you are in the right hands and, most importantly, that your family and home are fully protected in the event of your death.