Financial Management

Within Caleb Roberts Group we also offer financial advice through our sister company, Caleb Roberts Financial Management.

As financial advisers they provide individuals and businesses with practical and relevant solutions to help them to meet their financial objectives. Some of the key areas they advise on are listed below. Of course, they’ll be happy to discuss your own personal situation and goals with you.

If you require further help your account executive will be able to provide the best contact at Caleb Roberts Financial Management or go to their website at  https://www.calebfinancial.co.uk

Protection

Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.

Whilst insuring ourselves against an undesirable event such as sickness or death, may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

There are various ways in which a family can protect itself, and because of the large range of products available, there is usually an appropriate policy for most circumstances, and most budgets.

We can help with many ways to protect your family and your standard of living when you need it most. Click on the different protection options on the main menu to learn more about these.

Savings and Investments

Why are we encouraged to save money?

From childhood, most of us are told to put away money to save for the future – perhaps for something special; or maybe to be sure that when we really need something we have the funds to acquire it, without taking on debt. People’s aims are broadly the same; to provide for future needs, and to protect ourselves against unexpected expenditure, events and inflation.

When planning your finances, it is important to distinguish between savings and investments. Savings are generally funds that you set aside that can be accessed relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car. The most common way of saving is into a bank account (‘deposit’ account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back and possibly some interest. In other words, the original capital is guaranteed.

Investments are designed to beheld for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time and should not consider investments unless you have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your investments.

The value of investments may fall as well as rise. You may get back less than you originally invested.

Pensions

Pensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired.

There are many different ‘tools’ used to save for retirement, the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension income to provide for your retirement.