What We Do - Whole of the market financial advice without obligation.

How Can We Help You?

At Financial Independent Solutions Ltd we look to provide you with a professional and impartial advice service. Take a look below on the products we advise on:-

Annuities/Retirement Planning

This is a confusing time for most people as there are a variety of income options available at retirement. These vary from short term annuities, flexible annuities, investment linked annuities, guaranteed annuities or income drawdown plans. Financial Independent Solutions Ltd can review your existing policies and give advice on the best income option for your needs. With regards to annuities, you may be able to achieve a higher income by shopping around different product providers and this is an area we are able to help with. Did you realise that there are certain providers that may enhance your pensionable income if you have health issues, lifestyle factors or even your postcode?

Other important factors for you to consider are:-

  • Should you take the maximum tax free lump sum?
  • Is it best to take the pension that your existing provider offers at retirement?
  • Should you have an increasing pension income?
  • Your attitude to investment risk.
  •  Do you require a spouse’s pension?
  • Death benefits.
  • Other pension & investment arrangements.


We can advise on most types of pensions, including Group and Personal Pensions, Company Pension Schemes, Stakeholder and SIPPs (Self Invested Personal Pension). We can also review your existing arrangements to ensure they are on target for your retirement needs.


Whether you are just looking to build a nest egg or wish to plan longer term goals, like paying for your child’s education, we could advise on a suitable plan.


Whether you are looking to invest for growth over the medium to long-term, are looking to take an income from your investments or a combination of both, Financial Independent Solutions Ltd can analyse your current needs and advise you on a wide range of products and funds to help you meet your objectives. We regularly advise on ISA’s (Individual Savings Accounts), Investment Bonds and Collective Investments like Unit Trusts.

  • The value of the investment can go down as well as up and you may not get back the full amount invested.
  • Level, and bases of, and reliefs, from taxation are subject to change and their value depends on the individual circumstances of the investor.

Inheritance Planning

Unless you plan ahead, meaning taking the right steps, the chances are that taxation could take a large chunk of your wealth. However, if you are prudent, there is an opportunity to keep that duty to a minimum.

The Exchequer will not make it easy, so you need the best advice and that’s where Financial Independent Solutions Ltd could help.

Over the years, we have built up a wealth of experience in dealing with this vitally important area, which is always nagging at the back of people’s minds. Most of us would naturally like to leave as much as we could to our family, instead of the Government getting its hands on it.

Admittedly, the issues here are varied and complex, therefore require specialist knowledge, and it is possible, with careful planning, to enhance the amount you leave to named beneficiaries.


We offer a full range of protection policies including:-

  • Family protection
  • Mortgage and loan protection
  • Critical illness cover
  • Serious illness cover
  • Permanent health assurance
  • Accident, sickness and unemployment insurance
  • Whole of life cover
  • Business protection


We are also able to recommend an appropriate trust for some of the above products.


We can access sourcing software to ensure you receive up to the minute information on the most suitable mortgage for your current needs. We have access to all lenders in the marketplace and we are also in a position to provide you with advice without charging a broker fee.

As you know from advertisements, there are many different types of mortgages, which can be confusing, some with flexible repayments, some linked to an investment or the apparently straightforward discounted, capped or fixed rate deals arranged on a repayment basis. Financial Independent Solutions Ltd is here to help and advise you on the most suitable mortgage for your current needs.

It is also very important to consider the Annual Percentage Rate (APR), arrangement fees and product features, which is not always easy to understand via mortgage comparison websites.

We can also remind you when your current mortgage deal is coming to an end so that we can have a new mortgage in place to ensure you continue to pay a competitive rate.

Note: Your home may be repossessed if you do not keep up repayments on your mortgage, any other loan secured on your property, or fail to repay the loan at the end of term. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but we estimate that it will be approximately £200 but will be waived if the client completes their own mortgage questionnaire.advice