A good financial adviser can help to not only save you money, but to remove the worry and headache in your financial decisions. When sourcing an adviser, it is important to understand the type of advice you need and make sure that the adviser you choose is experienced in that field. If you are looking for help with investing into your pension or a stocks and shares ISA, then you probably aren't looking for a specialist in home insurance.
As a financial adviser in Lincoln and across the East Midlands, we provide our clients with the financial advice they need to ensure that they are making sound financial decisions.Our advice covers all the main areas of financial planning; typical areas of interest include:
Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future from broken bones to life changing illness such as a heart attack or cancer. The range of coverage varies depending on the type of plan, and as with any type of insurance, there are exclusions and limitations.
Income protection insurance will provide you with an income in the event that you are unable to work due to illness or injury. As with all insurance, it is important that you have the right type of policy which provides all that you need it to do for you.
With so many different roads in life, we endeavour to provide you with multiple options for Life Assurance. This includes several variants of Term Assurance, including Decreasing and Increasing, as well as Whole of Life cover.
Increasing Term Assurance protects you for a given period, with a rising level of benefit. Cover increases throughout this time, whilst the premiums usually rise as well. This particular cover may be suitable for family protection, though we recommend seeking further advice first.
Decreasing Term covers in a similar format to Increasing, except that the benefit falls as the policy runs. The premiums, however, do not reduce, but are fixed and also lower than those of a Level Term policy. It is often used to protect Capital & Repayment mortgage debt.
Much like Increasing and Decreasing Term, Level Term Assurance protects you over a given period but for a fixed benefit. The amount of life cover chosen at the outset will be paid whether a claim on death is made in the first year of the term or the last year.
Our Whole of Life cover does exactly what it says. Providing the policy is still in force, it will pay out a death benefit when the inevitable happens. There are several different policies available with this particular form of assurance.
Castlegate Financial Management is one of the leading independent financial advisers in Lincoln.
Operating from its head office in Grantham it serves clients across the region, meeting with clients at their homes, business premises or at its sister business unit sites across the East Midlands.
Our capabilities and passion for the highest quality service mean you can enjoy the best of both worlds – dedicated personal service and tailored wealth solutions. Our services are available from 11 offices covering Lincolnshire, Leicestershire and Nottinghamshire to provide help and guidance to clients, irrespective of circumstances.
Whatever your financial requirements, be they corporate or personal affairs, Castlegate Financial Management offer fully independent advice from our team of experienced advisers.