Contact Details

Address: Turnberry House, 175 West George Street, Glasgow, G2 2LB

• Telephone: 0141 5721340
• Fax: 0141 5721341
• Email: Send Email
• URL: www.mccreafs.co.uk

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McCrea Financial Services

It is not difficult to see why the question of Financial Advice is so important. Looking after your personal finances can be complex. At all stages of our adult lives we have to think about our financial situation. When we are young we tend to work as hard as possible to establish a base for a future standard of living. We take out a mortgage, often the first contact we have with the complexities of the financial world. Insurance and savings come next, along with protection, should the family lose a breadwinner. Paying for children's upbringing is another worry. And during all this we have to think about what we are going to live on when we stop working. Tax is another worry. None of us want to pay too much but neither do we want to fall foul of the Inland Revenue. Once we have acquired wealth, preserving it is another big concern. The trouble is there is no simple answer; however, we at McCrea Financial Services Ltd believe we can offer sound financial planning advice no matter how complex your situation may seem to be, easing the burden of a lifetime of financial planning.

Life Assurance.

When you buy life assurance, you are simply arranging for a sum of money to be paid out on your death but is it really that simple? Let McCrea Financial Services Limited guide you through the maze of Life Assurance products and help you find what your really need. Life assurance can be divided into two basic types - policies that offer protection only and those which have an investment link. Protection-only policies (usually described as term assurance) pay out if you die within a specified period but otherwise pay nothing and investment-linked life assurance which includes 'endowment policies' and 'whole of life policies'. Even these type of Life Assurance have different aims. Consider who needs to be insured. If you are part of a couple, the natural thing would be to insure jointly however for a relatively little amount extra you could insure yourselves separately and if you both were to die within the term double the benefit would be paid to your remaining beneficiaries.

Pensions.

A Pension is simply a tax efficient way of building up a lump sum, which can then be used as a means of providing you with a regular income for life. In theory any source of income whether from investments or even a lottery win can be used to provide a pension. For most people though, a pension product such as a Personal Pension Plan, or an Occupational Pension Scheme provided by an employer (supplemented by personal contributions) will be the way to achieve their pension goals. You need a pension for the same reason that you need an income now! After all you still have to eat and keep warm as a minimum when you retire don't you? Unless you are absolutely certain of a large inheritance or windfall then you need to provide yourself with a secure income for life. A good pension plan reviewed regularly should provide the answer. Don't kid yourself that you have all the time in the world - you don't (I know I don't know how old you are but you still don't!). A pension plan requires action as soon as possible so start now and if you have already started, take the opportunity to have a closer look at your existing arrangements to make sure you are on track.......Set out above is just a taste of the financial services, we can provide. For further information, please visir our website, or call on 0141 572 1340.

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financial, financial advisers

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