Welcome to Moneyfax FPS Ltd

We offer a comprehensive financial planning service for all your investment and protection needs: Pension Planning

When do you want to retire and how much income will you need?
 Life Assurance How much cash would your family need to maintain their current lifestyle if you die prematurely?
Income Protection

Would you require a regular income or a cash sum if you suffered a serious illness or disability?

Investments/Regular Savings

Are you making the best use of any spare capital or surplus income?

About Us

Our people are very important to us, as is making certain we provide you with the best possible professional financial advice. Below is a short biography for each of our colleagues together with their contact telephone number. For further contact details please see our "Contact Us" page on the website.

Moneyfax Fps Ltd- Our Services

Financial Advice Worcester

Financial Advisers Worcester

Retirement Planning Worcester

Income Tax Worcester

Pension Planning Worcester

Investment Planning Worcester

Pension Plans Worcester

Repayment Loans Worcester

Investments

Asset-backed Investments
Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.

Individual Savings Accounts (ISAs)
Available since April 1999, ISAs offer an attractive tax-efficient shelter to anyone aged 18 or over (16 or over for cash ISAs).

Deposit Based Investment
In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.

Investment Overview
This document looks at the different investment vehicles available to the individual investor together with the key points to note. This is an at-a-glance guide with more detailed information being contained in the other documents on this page. The value of investments and income from them may go down. You may not get back the original amount invested and the levels, basis and reliefs of taxation are subject to change.

Pension Planning

What is a Personal Pension?

Personal pensions may be suitable if you are self-employed, if you are not working but can afford to put aside money for retirement, or even in addition to a company pension.

Your Retirement options
The purpose of this document is to try and explain some of the common options open to clients when they come to take their retirement benefits.This document does NOT apply to people who are in Final Salary pension plans.

How Personal Pensions work
The fundamental idea of a personal pension plan is simple. You put money into a savings fund and it hopefully grows in value. At retirement, you convert the fund into a regular income payment, which is designed to replace some (or all) of your employment income.

Pensions & Divorce
With pensions being most people's second-largest asset, they can become a major consideration in any divorce settlement.

Income Drawdown
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide. However, it's unlikely that they will continue to account for as high a % of retirement income products as they have in the past, Why, you ask? This document will explain further.

Business Protection

Business protection is all about insuring for the unexpected. It's a way of protecting your business if something goes wrong. It can provide an essential safety net for all types of business.

Shareholder Protection
In the interests of financial security, business stability, and continuity - particularly for private limited companies where there may only be a small number of principal shareholders - it is essential to provide a safety net following the loss of a shareholder

Key Person Insurance
Key person insurance, also formerly called key man insurance, is an important form of business insurance. There is no legal definition for 'key person insurance'. In general, it can be described as an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of the member of the business specified on the policy.

Partnership Protection
One of the great risks of a business partnership is that one of your colleagues may die, with his or her share of the business passing to someone else. The safety net is a pre-arranged scheme to ensure the surviving partners have enough funds to buy out the interest in the business, or compensate the deceased's dependents.