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Mortgage estate planning

Mortgages

Who Really Owns Your Home?

Although it’s the biggest purchase in most of our lives, it’s amazing how little we delve into how our home is really going to be owned between ourselves and our partner. Did anyone sit down and discuss with you how…

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Life Insurance Adviser

Insurance

Use A Financial Adviser For Life Insurance Cover

There are times when using a financial adviser to get a life insurance policy can help overcome previous objections from companies. We often speak to people who believe they will not be applicable for any life insurance policy or have…

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Trainee Adviser Glasgow Finance

Careers

Job Vacancy – Trainee Financial Adviser

We have a job vacancy looking for a trainee financial adviser in Glasgow. The excellent opportunity is open for applications.

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Mortgage bad credit rating

Mortgages

Mortgage with bad credit and Gifted Deposit

We explore with Fasil Khan the mortgage market in today’s climate and how even with bad credit and a gifted deposit you could still get a mortgage.

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Bill Thomson Pivotal

Trusts

Trust to Avoid Care Home Costs

A recent article on the BBC shows that care home fees can be avoided by using a Trust and Bill Thomson explains just how they work in practice.

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Bill Thomson Pivotal

Wills

At a Glance: Wills

By Bill Thomson, Wills & Trusts specialist. We take a moment to speak to Bill Thomson, an expert when it comes to arranging Wills and Trusts. Wills: Did You Know? I always arrange a Will for clients as I see this…

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Mortgage vs Renting

Mortgages

Mortgage vs Renting: What Are The Benefits?

One of the most common questions a mortgage adviser is asked is “what are the benefit of having a mortgage compared to renting”, and there are many answers.

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Financial Planning

Business

Business Protection

Business protection can be extremely important to help a company continue operating should a key person in the organisation become ill or die. This could be a shareholder, owner, director or anyone else who could damage the businesses profits should…

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Home Insurance - check now or pay later

Financial Newsletter

Home Insurance – Check Now or Pay Later

When your home insurance policy comes up for renewal, it’s often tempting just to stay with your current provider, not least because it’s often quicker and easier to do that than spend hours checking comparison sites or ringing round insurance…

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Financial Planning in Household

Financial Newsletter

How Are Financial Decisions Made In Your Household?

Whilst many more couples now share the household chores, it’s increasingly women who make the financial decisions for the household, such as choice of utility company or savings account. Survey results from market researcher Mintel show that 84% of mums…

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Pivotal Financial Planning is a trading style of The ER Network Ltd who is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited who are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA Register (http://www.fca.org.uk/register) under reference 440703 and 440718

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