Having been an Advisor since 1994, I have built up a wealth of experience & knowledge within financial services. This has allowed me to give excellent advice & support to my clients through the aspects of their life. On Sunday 10th April the Sunday Times published their first supplement listing the Top 250 IFAs in the UK based on reviews on the independent consumer ratings website VouchedFor.co.uk. We are proud, but not at all surprised, to say that Brian Kerr was featured. Our Vouched for rating is 4.9/5 – click through to view our profile
Personal pension. Retirement – why should I get advice? When you’re coming up to retirement you have lots of decisions to make, not least how to convert your pension pot into retirement income. Why get help? Unless you’re in a pension scheme that pays you an income based on your salary once you retire (final salary scheme), you’re most likely to be saving into a scheme that provides you with a sum of money (known as your pension pot). If that’s the case, you’ll have to decide how you are going to use your pension pot to provide an income when you retire.
Investments – why should I get advice? The reasons you are best to seek Independent Financial Advice on investments are that clearly care must be taken in selecting the types of investments to match the risk and timescales dictated by your individual investment objectives. This should also be associated with the separate elements of the overall investment pot, by doing so we at De Beul Kerr can help you achieve greater financial worth and security for you and your families benefit too.
Why have Mortgage Advice? A mortgage is conceivably one of the biggest financial commitments most of us are likely to face in our lifetime, and with so many lenders offering so many products, the choices can be bewildering. Our professional independent advice will help guide you through the complexities of today’s mortgage markets, making the process as straight forward as possible, with the aim of ensuring you have a mortgage to suit your current needs and circumstances.
There are four main types of protection policies which are: Life Cover – arranged on either a term or whole of life basis and pays a lump sum Critical Illness – pays out a lump sum if you succumb to a predefined condition Income Protection – pays a monthly percentage of your lost income due to incapacity Private Medical Insurance – pays for private hospital medical treatments
What is a Group Pension? Group Pension Schemes, have been around for a very long time. It is where a small amount of money is deducted from an employee’s wage and directly paid towards their pension. But the law on workplace pensions has recently changed, making it the employer’s legal duty to ensure that employees are placed into a workplace pension, this is called auto enrolment.
What is Equity Release? If you’re a homeowner, you’ve probably seen the value in your home increase over time. Equity release allows you to tap into some of this value and release a cash sum. Equity release is a way of releasing the wealth tied up in your property without having to sell it and move to another home. You can either borrow against the value of your home or sell all or part of it in exchange for a lump sum or a regular monthly income. Some plans give you the option to “draw down” further equity (cash) at a later date, based on your requirements. Click image to go to our Equity Release specific website.
Income tax planning can make a significant difference to the tax you pay. By planning for income tax, you should be able to take advantage of any opportunities to minimise your tax bill. Personal tax planning can present additional options, for example in terms of capital gains tax and inheritance tax. This outline provides a brief introduction to personal income tax planning and other personal tax planning issues. If you are in business, this should be part of a broader look at your overall business taxes.
Canada Life Lifetime Mortgages
Canada Life Buy to Let Mortgages
De Beul Kerr Ltd.
When designing an individual investment strategy we spend a significant amount of time with each client to ascertain your individual financial goals, your current financial situation and your risk profile. Our aim is to not just outperform the markets but to develop a long term relationship with you to enable you to achieve you long-term financial goals. De Beul Kerr Independent Financial Adviser. Our 25 years experience in the market allows us to develop a well-constructed investment portfolio based on your own goals and risk profile. We have a track record of consistently achieving returns above market performance and have significant experience in Pension planning, Investments, Risk profiling and Equity release. We are always available to discuss your financial needs.
Vouched for rating
Equity Release rating
Barbara De Beul
What is ‘Risk Analysis’ Risk analysis is the study of the underlying uncertainty of a given course of action. Risk analysis refers to the uncertainty of forecasted future cash flows streams, variance of portfolio/stock returns, statistical analysis to determine the probability of a project’s success or failure, and possible future economic states. Risk analysts often[…]
About workplace pensions A workplace pension is a way of saving for your retirement that’s arranged by your employer. Some workplace pensions are called ‘occupational’, ‘works’, ‘company’ or ‘work-based’ pensions. How they work A percentage of your pay is put into the pension scheme automatically every payday. In most cases, your employer also adds money[…]
What would happen if we left the EU? As a hypothetical event, Brexit still largely lacks definition. Some EU critics say it would be possible to leave the bloc and scrap free movement of people while retaining access to the single market. In depth UK’s EU referendum News, comment and analysis on the referendum to[…]
“On Sunday 10th April the Sunday Times published their first supplement listing the Top 250 IFAs in the UK based on reviews on the independent consumer ratings website VouchedFor.co.uk. We are proud, but not at all surprised, to say that Brian Kerr was featured. To be included Brian was highly recommended by 42 of his[…]