OUR ADVICE PROCESS

We know the financial side of life can be complex and everyone's needs are different. That is why we work hard to get to know you and your aspirations through careful life planning and consultation. We then provide quality advice services and practical pathways to help you achieve the life you want. We know that everyone has different aspirations so a pre-packaged portfolio won’t fit.

The LV Nicholas advice process is designed with that in mind. It creates a framework for us to discuss your needs and expectations, helping us create a portfolio designed for you.

WEALTH MANAGEMENT 

As part of our comprehensive service we will typically look at the following:

  • Ensuring you have sufficient liquidity both now and in the future (cash management)

  • Retirement Option Strategies

  • Evaluate and measure the risks affecting your planning, consequences of disability, premature death or even longevity

  • Tax optimisation and reducing your tax liabilities

  • Estate Planning and minimising the impact of inheritance tax and ensuring your assets are distributed in accordance with your wishes

  • Analysing, restructuring and simplifying investment portfolios

  • Ensuring you are on track to achieve the life you ‘want' by analysing in detail where you are now with where you want to be

Please note, some aspects of Inheritance Tax and Estate Planning are not regulated by the Financial Conduct Authority

Investments - The value of units can fall as well as rise, and you may not get back all of your original investment.

Protection

Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.

  • Life Assurance

  • Critical Illness Cover

  • Income Protection

  • Business Protection

Life Cover (Non-Investment) and Income Protection - 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.

Critical Illness Plans -  The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

Mortgages

Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers. Whether you are a first time buyer, looking to remortgage or even to purchase a second home. This is where our advisers excel.

  • First Time Buyer

  • Looking to Remortage

  • Buy To Let

  • Commercial Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Some forms of commercial lending are not regulated by the Financial Conduct Authority. Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.

Some forms of buy to lets mortgages are not regulated by the Financial Conduct Authority.

Insurance

As a client of LV Nicholas, you'll benefit from the attention to detail that only a dedicated financial adviser can provide. Flexibility is the essence of our business; in the vast array of insurance products and financial services that we offer and also in our relationships with our clients.

  • Buildings Insurance

  • Contents Insurance

  • Landlords Insurance

  • Commercial Insurance