Studying at university doesn't come cheap. So what's on offer to help fund your further education? The Government has made grants and loans available to help meet the cost of tuition fees and living expenses - including rent. How much you get depends on your parents' income, as they're expected to contribute to your upkeep.

Find out how the system works in England and Northern Ireland

• University Fees
• Grants
• Student Loans
• Bursaries
• Overseas Students

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.

You may have existing policies in place, like a company pension or personal pension plans. Perhaps you’re just starting 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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Buying your First Home

Getting your first foot on the property ladder can seem a daunting prospect, with so many things to consider. But it's 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
Using a solicitor
Making an offer
The survey
Exchanging contracts
Moving in

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. Planning your Retirement

Regular Savings

Regular savings plans are long-term investment plans whereby you set up a direct debit for a specific amount each month which is invested into a fund of your choice on a long-term basis. As you are investing month by month you will be able to take advantage of both the highs and lows of the stock market on a long-term basis. Pound cost averaging, which basically means the lower the price of the units the more you are able to buy, can prove very beneficial to those looking longer term and able to put away a defined amount of money per month.

• ISA
• Unit Trust
• Childrens Trust Fund
  

Investments

If you come into some money and wish to consider Medium to long term investments, they invariably involve taking a degree of risk, since their value and any income they produce can go down as well as up, so you may not get back the amount you invested. However, at Gow’s can help you identify your attitude to risk and determine which investment solution is best for you.

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