Herts & Essex Financial Services

Independent Financial Adviser Herts & Essex Financial Services Ltd, 34 Bancroft, Hertfordshire, Hitchin, SG5 1LA

17th June 2019

We endeavour to understand our Clients and will continue to be small enough to care, yet large enough to deliver.

We can advise you on

Mortgages
- Buy to let
- Commercial for individuals
- Equity release
- First time buyers
- Flexible
- High loan to value
- Home reversion
- Remortgage
- Residential
- Right to buy
- Self build
- Self employed
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
- Small business
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Financial planning
- Wealth management
Long term care
- Long term care

Looking for advice? We're here to help you Call the Unbiased team 0800 023 6623

Meet our advisers

Veryl Joe MIFS DipFA, CeMAP, AFF.SWW

Principal

Where to find us

Herts & Essex Financial Services Ltd, 34 Bancroft, Hertfordshire, Hitchin, SG5 1LA

About us

Herts & Essex Financial Services Limited are Independent Financial Advisers. This means our duty is solely to you, our client. We have been established for over 30 years, the advice you receive is impartial, our continuous monitoring and research of the financial services markets enable us to recommend the most appropriate solutions to your financial needs. Our mission is to assist you to be financially independent and organised.

A particular area of expertise is the provision of advice on Pensions & Investments.

Our services

Life Time cashflow Planning:
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude,Capicity for Loss, time horizon and tax position.

Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services firms. This document has been designed by the FCA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

Whose products do we offer?
Investment:
We offer products from a range of Investment Providers.

Protection:
We offer products from a range of Life Insurance, Permanent Health Insurance, Critical Illness Cover and Private Medical Insurance companies.

Long Term Care:
We offer products from a range of Providers.

Accident, Sickness & Unemployment:
We only offer products from a limited number of insurers.

Buildings & Contents Insurance
We only offer products from a limited number of insurers.

Mortgages:
We offer mortgages from the whole market.

Commercial Mortgages:
We only offer mortgages from a limited number of lenders.

Which service will we provide you with?
Investment:
Independent advice – We will advise and make a recommendation for you after we have assessed your needs. Our recommendation will be based on a comprehensive and fair analysis of the market.

No advice – You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

Looking for advice? We're here to help you Call the Unbiased team 0800 023 6623

We can advise you on

Mortgages
- Buy to let
- Commercial for individuals
- Equity release
- First time buyers
- Flexible
- High loan to value
- Home reversion
- Remortgage
- Residential
- Right to buy
- Self build
- Self employed
Investments
- Ethical investments
- Investing for income
- Investment trusts
- ISAs
- OEICs
- Offshore investments
- Socially responsible investments
- Unit trusts
Insurance & protection
- Accident & sickness
- Critical illness
- Healthcare
- Income protection insurance
- Life insurance
- Payment protection insurance
- Small business
Pensions & retirement
- Annuity purchase
- Auto enrolment
- Pension consolidation
- Pension drawdown
- Pensions & divorce
- Pensions & retirement planning
- Pensions review
- Pensions transfer
- Sipps
- Stakeholder
Savings
- Lump sum
- Regular savings
- Savings for children
- School fees planning
Tax & trust planning
- Capital gains tax
- Estate planning
- Income tax
- Taxation planning
Business
- Commercial mortgages
- Corporate pension
- Employee benefits
- Group critical illness
- Group income protection
- Group ISA
- Group life insurance
- Group pensions
- Group private medical insurance
- Group protection
- Group risk
Financial planning
- Wealth management
Long term care
- Long term care

Advice methods

Telephone
Online (Live chat, video, email)
Face to face

Preferred clients

Minimum wealth (income/assets)

£50,000

Minimum pension value

£50,000

Minimum mortgage value

£125,000

Compliance

Looking for advice? We're here to help you Call the Unbiased team 0800 023 6623

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