Financial Advice and Services
Lawton & Taylor Financial Services Ltd, working to help you manage, protect and grow your finances, all from our office in Blackpool.
Browse our financial services below
Wealth Management
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.
Please get in touch with us and we’ll only be too happy to book you in for an appointment.
Wealth Management Information
Tax advice is not regulated by the Financial Conduct Authority.
Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from, taxation are subject to change.
The value of investments and the income from them may decrease. You may not get back the original amount invested.
Savings & Investments
When someone talks about savings and saving money, they could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
Investing is what you do with the savings you have – if you are looking to generate a greater return on your money than is available to you through your savings instruments.
Let us help you save proactively and invest sensibly for a secure and stable future.
Savings Advice Information
The value of investments and the income from them may decrease.
You may not get back the original amount invested.
Pensions
When people think about pensions, they might picture a workplace scheme, a private pension plan, or even the State Pension. At their core, pensions are a way to save for the future, often with tax benefits and, in many cases, contributions from employers to help grow your retirement fund.
Planning for retirement isn’t just about saving—it’s about ensuring your money works for you over the long term. Whether you’re building your pension pot or looking at how best to draw from it, making informed decisions is key to financial security in later life.
Let us help you plan effectively and invest wisely for a comfortable and secure retirement.
Pensions Information
A pension is a long-term investment, and its value can fluctuate, potentially decreasing over time. Your eventual income will depend on the size of your fund at retirement, future interest rates, and changes to tax legislation.
This information reflects our current understanding of taxation laws and regulations, which are subject to change. Levels, bases, and reliefs related to taxation may also vary over time.
Mortgages
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?
We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
Let us help you in choosing the right lender for this most important financial step. Call us today to request an appointment.
Mortgage Information
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
For mortgage services, a fee of £495 will be payable upon the issue of a formal mortgage offer from the lender. We will also receive a procuration fee of approximately 0.35% from the lender.
Protection
Insurance policies aim to provide financial support in various circumstances, such as illness, injury and death and are most helpful when they protect you, your family, and your incomes.
While it might not be pleasant to think about getting insurance for events like sickness or death, it’s beneficial to have financial support during tough times.
There are many ways families can protect themselves, and there’s usually a suitable policy for different situations and budgets. These may include such options as life insurance, health insurance, income protection insurance and critical illness cover.
Protection Information
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, the cover will lapse.
Financial Planning
Professional Financial Planning is the process which aims to help you realise your ambitions – whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future – short, medium and long term.
You will almost certainly have plans of one kind or another – buying a home, starting a family, living abroad, perhaps retiring, but such ambitions have financial implications and you can’t leave it all to chance. Careful planning aims to help turn your plans into reality and the sooner you start your financial planning the greater your chance of realising your goals.
Financial Planning Information
The value of investments and the income from them may decrease. You may not get back the original amount invested.
Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from, taxation are subject to change.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Equity Release & Lifetime Mortgages
If you’re over the age of 55, equity release offers you a way to use the value of your home to raise money.
A lifetime mortgage is a type of equity release, a loan secured against your home which does not need to be repaid until you die or go into long-term care. It frees up some of the wealth you have tied up in your home, which can be taken as tax-free cash and you can still continue to live there.
Equity Release Information
A lifetime mortgage can quickly erode the remaining equity, and as a result, there may be no value left to pass on.
Equity release may require a lifetime mortgage or home reversion plan. To understand the features and risks, request a personalised illustration.
For equity release services, a minimum fee of £995 will be payable upon the release of the advance. We will also receive commission from the company that lends you money or purchases your home.
