Our services

We constantly strive to provide the highest level of financial advice - and you can be assured that it is always completely independent.

Financial Planning can be a highly complex area. This site has been designed to provide you with functional calculators and an abundance of information, to assist you in fully understanding your financial status.

Give Your Finances an Overhaul

As your life changes, it is crucial that you continue to review your financial provisions to check that they are on target to meet your ever-changing goals and needs. We will review any existing plan on your behalf to ensure that it meets your expectations.

In Sickness and in Health…

When should you review your financial planning ? We would of course recommend that we review your finances regularly, but it is particularly crucial that you do so following a change in personal circumstances.

So if you are buying your first home, moving, getting married, starting or adding to your family, or perhaps your children are off to university; or you change jobs, suffer an illness or are separating from your partner. Whatever the changes in your life are, we can review your arrangements and help you along the way.

Planning for Your Retirement

We can advise on any type of pension, including Group and Personal Pensions, Company Pension Schemes, Stakeholder Pensions Schemes, and SIPP's (Self Invested Personal Pensions). We can also review your existing arrangements to ensure they are on target for your retirement needs.

Purchasing an Annuity

When the time comes to take your pension fund, we can advise you on purchasing an annuity to produce a suitable income in retirement.

Managing Your Investments

Whether you are looking to invest for growth over the medium to long-term, or are looking to take an income from your investments, Orchard Independent will analyse your needs and advise you on a wide range of products and funds to help you meet your objectives. We regularly advise on ISAs, PEPs, Bonds, Unit Trusts and offshore investments.

Protection

Our advisors will discuss your needs with you, looking at your priorities and any gaps in your current provisions. We offer a full range of protection policies including -

• Family Protection
• Business Protection including "Keyman" insurance
• Mortgage and Loan Protection
• Critical Illness Cover to provide a lump sum in the event of you suffering serious illness or disability
• Income Protection Cover to give peace of mind should you be unable to work

Savings

Our clients wish to save for a variety of reasons, and whether you are just looking to build a nest egg, or wish to plan longer term goals such as paying for your children's education or a wedding, we can advise on a suitable plan.

Mortgages and Remortgages

We have sourcing software to ensure you receive up to the minute information on the most suitable mortgage for you. Whether it is residential or commercial, we have access to every lender on the marketplace to meet your needs.

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

Contacting us

Why not get in touch to find out what Orchard Independent can do for you ? Whether you wish to save premiums on your life cover, save for the future or review your mortgage, why not click on our enquiry forms or complete, a quotation request form, or you can e-mail us with a general enquiry.

We look forward to being of assistance to you.


Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Services Authority does not regulate all forms of mortgages.