Financial advice.
I offer straight forward services that businesses and individuals can rely on, all at affordable prices.
Tried & tested.
I work with a number of financial advisers, each adviser has been tried and tested over the last 11 years and offers the same high levels of service that I pride myself on.
Frequently chosen services.
Mortgage brokers
mortgage advisers who do not charge any fees to clients and instead receive a commission payment from the lender that the client chooses. They are Independent Financial Advisers (IFAs) and have access to the whole of the mortgage market, offering you the best available deals.
they undertake new mortgages, remortgages, buy-to-let mortgages and corporate finance, for anyone wanting to buy a property through a limited company structure.
Pensions & retirement planning
completely free initial pension review session, with absolutely no obligation to buy a product or take a service.
pension set-up and ongoing management with annual detailed reviews, ensuring you stay abreast of your retirement planning.
Investment management
personal or corporate investment planning and accounts, from stocks and shares ISAs for individuals to more complex company investments accounts.
Life insurance
ensuring your loved ones are taken care of should the worst happen. Our advisers have a range of products for individuals and companies. They will review your needs and advise on the right level of cover together with the best product for you.
Critical illness insurance
if you get seriously ill this insurance can pay off your mortgage and other debts you may have. It can also pay out a lump sum on diagnosis, which can help to pay for medical treatment or adjustments to your home, to make life a little easier. Our advisers have a range of products to offer, they will go through your income and outgoings and advise on the right level of cover for you.
Private medical insurance
insurance that helps you get treatment as quickly as possible. Our specialists can set up personal, family or company policies and will advise you on which policy is best for you.
An idea of cost.
Each service is bespoke to the client’s requirements, a number of services do not cost the client at all with the adviser being paid by the provider of the product rather than the client - all commissions are by law disclosed to the client, so you know what your Independent Financial Adviser is getting paid.
For those that do cost, the fee will depend on the exact detail of the services being taken but will be confirmed and agreed with the client before any work is carried out.
The value of investments may fall as well as rise and past performance is not a guide to future returns.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Financial advice is given by a range of IFA firms, which are regulated and authorised by the Financial Conduct Authority.
Contact.
If you think I might be the right person to help you then please do get in-touch today. We can go through exactly what you need and I can lay out your options in a clear and easy to understand way.
I’m always happy to help and offer my opinion and initial advice for free so drop me an email or give me a call.
Email: chris@cmjaccountancy.co.uk
Phone: Book an appointment
CMJ Accountancy Ltd | Whitfield Business Hub | 184-200 Pensby Road | Heswall | Wirral | CH60 7RJ