We can help all kinds of companies, from small retail businesses up to large media organisations and everything in between. There are countless different types of financial services products for business, including group assurance and insurance, finance, pension schemes, retirement and employee benefits, mortgages and tax services. We can help you select which type of products and services you are required to have, and which are most beneficial for your type of business.
Protection
The cornerstone of sound financial planning is to ensure that you, your business, your income, and your employees are sufficiently protected in the event of unforeseen circumstances.
Insurance
We can advise and make sure you have adequate cover in place to protect your employees, buildings, and contents.
Critical Illness Cover
Group Critical Illness Cover is used as an employee benefit. It provides employees with a tax-free lump sum after they are diagnosed or survive for a specified number of days, for example 10 of 14days, with or from a covered critical illness.
Auto Enrolment
The law on workplace pensions has changed and is backed up by law. We can only refer you to a qualified Financial Planner within the Quilter Financial Planning Network to help you prepare for and implement your duties and legal obligations under automatic enrolment.
The value of pension and the income they produce can fall as well as rise. You may get back less than you invested.
Pensions
We can only refer you to a qualified Financial Planner within the Quilter Financial Planning Network to put the right group pension plan in place for you and your employees and ensure that it is appropriate for you and your employees risk profile throughout the difference stages of your life and their lives.
The value of pension and the income they produce can fall as well as rise. You may get back less than you invested.
Private Medical Insurance
We can only refer you to a qualified Financial Planner within the Quilter Financial Planning Network to put the right group health insurance in place for your valued employees that offers flexibility, prompt access to diagnosis, quality treatment and care.
Relevant Life Cover
A term assurance plan that provides an individual death in service benefit for an employee. It is designed to pay a lump sum if an employee dies or is diagnosed with a terminal illness.
Commercial Mortgages
If you wish to purchase a business premises, remortgage your existing premises, expand your business or move to a new location, we can refer you to a broker to find you the right mortgage product for your needs.
Commercial Mortgages enquiries are referred to a Master Broker.
Trusts
Putting your protection plan in Trust will ensure that in the event of a claim, there is minimal delay in pay out, with the employee’s family and dependents as beneficiaries.
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. Inheritance Tax Planning, Estate Planning and Tax Advice, Trusts, Auto Enrolment, Employee Benefits, Commercial Mortgages and some Buy to Let Mortgages are not regulated by the Financial Conduct Authority Free Range Financial Services Limited is an Appointed Representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Free Range Financial Services Limited: Registered in England & Wales, No. 07002930. Registered Address: Cartref, Trelogan, Holywell, Flintshire, CH8 9BZ.
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