Every Step Financial Services

SERVICES

Our Services - What We Offer?

Equity Release

Equity Release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55.

You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.

We provide Equity Release advice on the following:

Risk Warning – Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

Savings & Investments

Investing should be to meet your goals. Your planned expenditure and some emergency cash should always be ring-fenced so that investments don’t need to be accessed.

Perhaps the most important aspect in determining how to invest to decide on the mix and proportion of equities (shares), fixed income securities (government and corporate bonds), cash, commercial property and other assets that will be held. Academic research suggests that this process, called ‘asset allocation’, is the key to successful investing and that stock picking and trying to time the market are much less relevant in the longer term.

We provide Investment advice on the following:

Risk Warning – Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance.

Protection

If you have anyone financially dependent on you, such as a partner, sibling, children or even an aging parent, then Life Insurance is for you. People take out life insurance policies to ensure that, if they die, their loved ones are looked after. Life insurance can help with paying off debts, household bills, childcare costs and account for your mortgage payments.

We have access to large range of providers offering Defaqto 5-star rated cover.

We provide Protection advice on the following:

Pension & Retirement Planning

We all know it’s important to plan for retirement, but many of us are still not planning well enough. Despite all the media headlines and Government initiatives, many of us still have a ‘tomorrow will do’ attitude. This is worrying for one simple reason – we are going to live longer than most of us think.

We provide Pension advice on the following:

Risk Warning – Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance cannot be used as a reliable prediction of future performance.