Pensions

Pensions are investment vehicles that can provide a capital and income in old age. We help you prepare for retirement by reviewing your current plans and establishing a plan that will produce sufficient income.  We also provide advice and guidance for clients that are due to retire now and explain the options available in an easy to understand manner. With the introduction of pensions freedom it is vital you receive independnet financial advice.

How We Are Paid

​​Following our initial free discussion, should you decide to go ahead there will be a cost for our professional services. We offer a variety of methods by which this can be paid and your adviser will agree with you the most convenient method. This could be a set fee or a percentage of the amount you invest and can be paid upfront or in some circumstances, the provider may be able to take the fee from the sum you invest. There can be tax implications so it is important to agree to the most suitable method of remuneration for your personal circumstances.
We will also tell you if you have to pay VAT and if there are other costs that might arise in connection with the services we provide to you.

​​​​​Conclusive financial planning is a trading style of Obsidian Financial Limited which is authorised and regulated by the Financial Conduct Authority (http://www.fca.org.uk/firms/financial-services-register). Financial Services Register No: 509756
The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at http://www.financial-ombudsman.org.uk
Please read our Privacy Statement before completing any enquiry form or before sending an email to us.
Obsidian Financial Limited. Registered Address: Obsidian House, Hints Road, Mile Oak, Tamworth, B78 3PQ. Registered in England, No. 06925501
The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

Life Assurance

Pensions

Investments

Health Insurance

Mortgages

Corporate

Taxation

Investments

​It is our role as Independant Financial Advisers, to help you choose the right investments in order to help you meet your objectives.
What you need to give some thought to is what those objectives are. This is an area in which compromise and self understanding are essential.
Some people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are.
You may be willing to accept a degree of short-term risk with an investment that is made for later in life, such as those intended to fund your retirement.
But short-term safety should be your priority if you're likely to need the full amount in the near future, for a deposit on a house for example.
We aim to help you develop an investment strategy that is appropriate for your needs, using investments that suit your attitude to risk and tax position.

Our Services (pension advice and more in Sheffield & surrounding area's)

Type your paragraph here.

Life Insurance

The aim of life insurance cover is to provide money for people who are financially dependant on you.

If you are the main income provider and your death would cause financial hardship for anyone, then this is something you may want to consider.

Taxation

​Some people pay too much tax, or miss out on opportunities to reduce their tax.
If you have investments, pay higher rate income tax, or run your own business, you should have your position reviewed.
If you are married and one of you is in a  higher rate tax bracket than the other, you should have your position reviewed.
If you, or your partner, came from overseas, you should have your position reviewed.
To discuss this further, please contact us.

Corporate

We advise many small to medium firms on area's such as protecting key staff, ensuring business assests are passed to the intended beneficiaries in case of critical illness or death.

We also advise on setting up and reviewing company pension schemes, and the tax advantages that these provide.

Mortgages

​The mortgage market is a complex area. At any one time there may be many hundreds of different mortgage options, only some of which will meet your needs.
As truly independent mortgage advisers, we are able to advise you on the most appropriate mortgage for your individual circumstances.
Whether you are a first time buyer, coming to the end of a special deal, or are currently on your lender's base rate, contact us for a no obligation discussion on your options.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A fee will be payable of up to £250 upon completion of the mortgage.

​

Health Insurance

​These days, for people of working age, good health is the normal state, and few people consider what would happen if , due to ill health, their career was interrupted or even stopped. For others, the risks are of frailty in old age.
This group of insurances covers all these issues - from getting fast and effective health care, to providing lump sums for more serious problems, to providing income where long term ill health prevents you working, to providing for the (potentially life savings destroying) cost of old age care.
In short, they are all about maintaining your Quality of Life in adverse circumstances

​