We provide complete solutions for your business financial needs
We believe that insuring your life, health or business is fundamental to your overall financial strategy. The importance both to individuals and businesses of adequate insurance cover cannot be overestimated. Our specialist expertise is family and business protection; this includes health, accident and critical illness cover, private medical insurance, company and partner insurance and cover to provide for long term care.
There are many different protection options available; making the right decision to protect your personal and financial situation can seem overwhelming. We can make sure that you are able to take the most suitable decisions to deliver peace of mind for you and your family in the event of a passing, critical illness or if you are too ill to continue with work.
At FSC Investment Services Limited, we have access to the full range of products available from the whole financial market with forward planning with the most suitable protection products on your side.
The value of your investment may rise and fall, and investors may not get back the full amount invested. the levels, bases and reliefs from taxation may be subject to change.
Over the years there have been numerous company and director/chief executive pensions arrangements. This is the area of the industry that harbours the most complex and diverse range of products, legislation and confusion than any other. It is the area which has received the most attention from the HMRC (Inland Revenue) because the Pensions were always seen as a very tax efIicient way for the owners and senior staff at companies to harvest money from the company.
The development of SSAS (Small Self Administered Schemes) and SIPP’s (Small Self Administered Pensions Plans) which allow the investor to self select the investments they want to hold within their pensions which could include commercial property or even shares in other companies needed close scrutiny and monitoring. So it should come as no surprise that this are has become extremely complex. As before we would strongly recommend a meeting with one of our in-house pensions specialists before making any decisions in this area.
In recent years the ability to re-write personally funded life insurance policies via your company has become very popular. Consider the Iinancial beneIits. If you buy a life insurance policy yourself, you pay for the premiums out of income you’ve already been taxed on.
If you buy your policy through your company the premiums are paid by the company so they are effectively paid from the company gross accounts, the premium is tax allowable for the companies’ corporation tax mitigation. We are happy to quote you for any relevant life policy you may be interested in. I must stress that you shouldn’t cancel any existing life policies before the underwriting and acceptance terms for the new policy have been received.
To request a callback, please fill out the below form and one of our team will be in touch.
Here are some brief comments from our clients.
“I have known Frank Cochran for about 15 yrs. He is professional and straightforward in his financial advice. Frank and his team at FSC are more like friends than advisers, they always look out for you. My finances could not be in better hands”
“A learned man and well respected in his knowledge of finance throughout the corridor of top financial institutions, yet in all the years since that meeting in 1997, I have never encountered Frank to try and baffle me with financial jargon, glit financial anecdotes , no quotes of superiority to make me feel inferior or naive! He speaks clearly on layman terms which I can comprehend and follow with comfort, and at the same time feel at ease with that choice of investment and also at ease with adviser”
“FSC Investments have been my financial advisors for nine years. During this time I have been very impressed by their thoroughness and professionalism. I find the twice a year review meeting very helpful”
“We have had the peace of mind of knowing that our money is being looked after very professionally and in an understandable way”
“I am not a high risk taker so the fact that Frank has steered my investments through a number of very difficult years and still made handsome profits has been a credit to his integrity and skill as a Wealth Manager”
“I have been a client of Frank Cochran since 1999. Following my retirement I was keen to ensure a safe and reliable return for my investments. For the last 15 years Frank has skillfully guided me through a number of potentially fatal financial situations. Stock markets have crashed and rallied only to fall again, but Frank and his team have protected my money from losses and have often made money when friends and others have made substatial losses. Frank is trustworthy, friendly and above all he talks plain english in a way that everything he does is understood. I’d thoroughly recommend him to anyone”
“We have known Frank for 15 years. After selling my shop we had money to invest. Frank was recommended to us as a safe pair of hands to invest this money. In all the time we have been with frank he has been very approachable and friendly. We look forward to our regular six monthly reviews and are happy to say we have never been let down”