Planning Your Retirement

Retirement’s a great prospect to do all those things you’ve dreamt of. Arranging an appropriate pension plan will help make sure you’re on track to turn those dreams into a reality.

With the increasing transience of the workplace you may have several different plan is place from previous employers or personal pension plans. Perhaps you’re not started to save. Whatever your situation, we can draw on a range of investment options from the whole of the market, to create a retirement plan that’s tailor-made for you.

We’ll listen to your ambitions for your retirement and help you select the most suitable form of retirement planning solution for your individual needs. We will work with you to decide how much to put aside, and recommend what investment opportunities are right for you.

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Until recently, the problem of paying for education was one that concerned only the wealthy. Now many parents from relatively modest backgrounds have aspiration to send their children to private school, often making many sacrifices in the process.

It is estimated it costs more than £100,000 to fund a child through private education and getting the right advice is vital.

Contact Gow's to get impartial advice

Find out more about school fee planning

Mortgages/
Re-Mortgages

Buy a new home is one of the largest commitments you are likely to make in can be a very stressful time, but also an exciting time - making plans and decisions for your future – at Gow’s we have the expertise to guide you into making make informed choices. We will help you understand what's involved and guide you through your responsibilities each step of the way.

• Budgets and location
• Your ideal home
• The right mortgage for you
• Re-mortgage
• Using a solicitor
• Making an offer
• The survey
• Exchanging contracts
• Moving in

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Savings and investments

Knowing what to do with your life savings has never been harder, with the recent turmoil in financial markets and falling interest rates. Clients relying on interest from banks and building societies have been hit hard in recent times.

At Gow's we are sympathetic to the needs of our older clients and work closely with them to ensure their investments portfolio’s areas tax efficient as possible and match requirements such as capital guarantees or maximising income.

Gow's Eight Goldern Rules of investing

Whether you are investing for Growth, Income or capital preservation, Gow's carefully considered investment portfolio construction process will ensure you get the possible returns

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Private Medical insurance

Life expectancy is increasing and with more advances in medical sciences, the need to ensure we have access to the medical treatment we want becomes more important. We can either rely on state provision to provide our health needs or we can forward plan and pay for private healthcare provision.

The choice of which healthcare insurance plan is right for you can be complex. It is important to have the right level of cover to ensure that if you claim the policy pays out. Healthcare policies can be expensive but thankfully Gow’s can help guide you through your choices.

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Protecting Your Family

As a parent, you’ll want your children to get the best start in life. At Gow’s we can guide you through the entire family financial planning process, and make recommendations from a selection from the whole of the market. We’ll help to make sure that you’ve considered all relevant factors, so you can end up with quality solutions that are right for your circumstances.

Term Assurance
Decreasing Term Assurance
Whole of Life Assurance
Permanent Health insurance
Critical Illness Cover

We can work with you to plan for a new addition to the family, education costs, a gap year, the deposit on a first home and wedding expenses. Whatever your situation, we'll help you prepare your finances so that, as your family grow up, you can give your children all the support they need.