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Our Services - We Can Help


The area of pensions can be confusing but is vitally important. For most people, their retirement will be the longest ‘holiday’ of their lives. But will they have enough to live as they would like?

How much should I save? Is my current pension the best one for me? When can I retire? These are just a few of the questions that people naturally think about. At Independent Financial Services 4 You Ltd, we’ve been helping people plan for, and understand, retirement. And we don’t stop there, because when it comes to taking your pension at retirement, there are lots of options. You’ll have just as many questions, and again, we’re here to help.

If you think you would benefit from having a discussion about your own pension position, whatever stage of life you’re at, please contact us. We’d be delighted to help. 



There are a multitude of reasons for wanting to invest, from saving for school and university fees, to planning for your own future care needs. Whatever the reason, you will want your money to work hard for you.

In an environment of low interest rates, it’s good to know there are investment options, whatever your attitude to risk, that offer potentially higher returns for you. We are happy to guide you through the labyrinth of investment opportunities from ISAs to Onshore and Offshore Investment Bonds, from General Investment Accounts to Enterprise Investment Schemes. Identifying your personal circumstances and goals, we can use our knowledge and experience to make sure your investment is the appropriate one for you. Contact us if you would like to see what opportunities there are for you to invest.


There’s an old adage, “If you were to have a heart attack, which would you rather lose…your house, or your mortgage”? Financially protecting those you love is important to you, and Independent Financial Services 4 You Ltd can help you with this.

For an individual, you will want to provide for your family in the event of your death, or for you and your family in the event of illness or injury. Not all products are the same, because not all people are the same, and at Independent Financial Services 4 You Ltd we will take the time to ensure we fully understand your needs so that we can tailor the appropriate product(s) to your requirements and circumstances. Why not take the first step and contact us to find out more?

If you are a business owner your needs are different, but just as vital. What if a partner in the business dies? What happens to their share? And how about you? It is likely the desk you sit at is insured, but which is more difficult to replace, the desk, or you? Shareholder Protection and Key Person Protection are often overlooked, but so important for the continuity of your business in the event of death or injury. Please contact us and we would be happy to discuss the solutions with you.

Tax Planning:

Nobody wants to pay more tax than they have to. And we can help with tax planning. Whether you’re looking to reduce you income tax, capital gains tax or inheritance tax bills we can help. Visit our tax planning website at www.avoidtaxlegally.co.uk to find out more.


Whether you are getting your first house, or whether you think you are paying too much on your existing mortgage, we would be happy to discuss your options and find a competitive mortgage rate for you.

Not all mortgages are the same, and the same mortgage wouldn’t necessarily suit two different people, so it’s important to discuss your needs, your preferences and your circumstances before diving in and committing to a mortgage. That’s where we come in. We look at the whole market to find the best mortgage for you based on your requirements. Contact us to find out where we can help you.

And There’s More…

You may be looking for financial advice and are not quite sure what category it fits into, such as Inheritance Tax Planning, or saving for children/grandchildren. Just contact us to let us know your particular situation and we can discuss this with you and help you move forward.


If you have a question about an existing policy or are looking for advice from a UK Qualified Independent Financial Adviser, then  phone now on 0800 5670018 or contact us online.