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Aspects Financial Ltd

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Aspects Financial Ltd

Let’s be honest the majority of us shy away from reviewing our finances, whether it involves pensions, investments, or protection. You don't have to. NI69363).

We at Aspects Financial are here to listen and help you with all of your financial needs. Independent Financial Advisers & Employee Benefits Consultants

We specialise in pensions, investments and protection for individuals and businesses. Aspects Financial Ltd. Registered Office: 24 Shore Road, Holywood, BT18 9HX. Aspects Financial Ltd is registered in Northern Ireland. (Company Reg No. Aspects F

inancial Ltd is an appointed representative of Ralston Bennett Financial Planning Ltd. which is authorised and regulated by the Financial Conduct Authority.

31/03/2023

It’s easy to dismiss income protection as something you’ll need later in life when age-related illnesses and conditions become more prevalent.

However, Income protection not only protects you and your family if a physical condition means you can’t work, but it also pays out if you suffer with mental ill health.

In recent years, mental health was the most common cause of claim on income protection policies in the UK, according to the Association of British Insurers.

It doesn’t matter how much you try to stay healthy and steer clear of danger. While we like to deny it, many things operate outside of our control. There will always be risks you simply can’t avoid.

Sometimes, all your careful planning and smart decision-making can be for naught if you don’t have the right protection.

For further information visit our website at www.aspectsfinancial.com or give us a call to speak to an Experienced Independent Financial Adviser.

20/03/2023

Loyal Employees are Assets - Not Liabilities!

Train people well enough so they can leave, treat them well enough so they don't want to.

A modern benefits package is a tried and tested method of increasing staff loyalty and recruiting and retaining top quality staff.

Forward thinking employers understand the value to the company of a first-class employee benefits package not only to meet corporate, financial, operational and HR objectives but also to develop a committed and dedicated workforce and senior management team.

At Aspects Financial we provide an impartial, independent and bespoke service to companies of all sizes through the provision of employee benefits and financial services tailored to the requirements of your company and to the needs of your staff.

Give us a call or visit our website at www.aspectsfinancial.com

17/03/2023

Have you considered what would happen to your business if you became ill?

Could your business continue to run without you?

In most small and medium sized companies the success of the business depends on just one or two key people.

If you’ve worked with these people for many years it’s easy to underestimate just how valuable they are, how much they know about the company, how many extra hours they put in. But we can never be sure what’s around the corner.

Sometimes, without warning, life throws the unthinkable at us. And that’s why business protection is so important. You can’t predict what will happen in the future, but you can make sure you have the right protection in place to help keep your business afloat if a key person becomes critically ill or dies.

To arrange a virtual coffee with one of our Independent Business Protection Specialists give Sarah a call on 02891 3103 42 or email [email protected] ☎️✉️

13/03/2023

Why Protect Your Income?

Over your working lifetime, your income is worth far more than your car, your home or its contents. You insure them but without an income, you can’t afford them. Why leave yourself exposed!

Ask yourself these questions ⬇️⬇️⬇️

What happens if you can’t work because of an accident or illness?
How would you pay your bills?

The most common response we hear from people is "I don't need income protection, I'm employed, my employer pays me sick pay." But for how long?

What happens if you can't return to work after this time?

Income Protection is a means to safeguarding your family.✅

Why not drop us a DM, email or give us a call to speak to an Experienced Independent Financial Adviser to get a quote. 📲💻☎️

07/03/2023

The day has finally arrived; you’re going to be retiring soon.
You probably have an alarm set on your phone and you are counting down your last working days, your making plans to book a luxury holiday, days on the golf course, maybe even a new car. ✈️⛳🚘

However, the question isn’t at what age do you want to retire, it’s at what income?

With many different types of options available for your retirement it can be an overwhelming decision to make the right choice for your needs. We can help you understand all the options open to you and help you avoid risks such as the impact of poor investment, market performance both in the run-up and early in retirement or potentially running out of money.🤔🤔🤔

For further information or to speak to a Financial Adviser give us a call on 02891 310 342. ☎️

04/03/2023

Why choose private health care over the NHS?

With free medical treatment available on the NHS, paying for private medical insurance to cover private healthcare may seem like an unnecessary luxury.

But can it offer you value for money?

Private medical insurance is not designed to replace NHS treatment completely, many people choose to take it as a complementary service which offers them more choice of when and where to have their treatment when they need it.

Perhaps the main reason that someone would choose to take out a private health insurance policy was the worry of having to wait for essential treatment.

Private medical insurance can also lessen the waiting time for diagnosis – waiting for a scan to diagnose the problem can be a frustrating and worrying time for most, but if you can have this done sooner privately this may reassure you that you can receive treatment sooner should you need to.

Some of the other benefits of private medical insurance include:
• Ability to choose your surgeon, and location
• Private room
• Specialist treatments or medication – some treatments may not always be available on the NHS due to expense but may be covered privately.

For further information on products and services available visit our website at www.aspectsfinancial.com or give us a call to get a quote. ☎️

We look forward to chatting with you.

28/02/2023

Financial advice is not all about money, at Aspects Financial we have three roles.

Coach – making sure you get started and have a plan.
Navigator – Guiding you through the potentially difficult times.
Protector – Protection of your wealth by aiming to minimize tax and maximize growth.

The skills of our advisers are to understand your goals and desires and help keep you on track to achieve them.

✔️ Helping you recognize what you want in life, for the short, medium or long term.
✔️ Reviewing your goals as your family or financial circumstances change.
✔️ Supporting you if you face difficult life events such as the death of a loved one.
✔️ Guiding you through the bumpy times so you don’t panic and make poor financial decisions, for example, selling when there’s a fall in share prices.
✔️ Using a blend of technical and practical steps we can help develop a plan to ensure these strategies are implemented.
✔️ Making practical provisions to protect your family, such as taking out life insurance.
✔️ Working out how much you need to save today to meet the aspirations for your future.
✔️ Making the most tax efficient decisions.
✔️ Making sure investment plans are structured correctly and you stay the course.

For full information on the services we provide visit our website at www.aspectsfinancial.com or give us a call. ☎️

04/02/2023

Top Reasons Why Life Insurance Is So Important

Pay Off Debts - A life insurance policy can pay off any debts that you leave behind that would be a burden to your family. Debts such as a mortgage, credit cards, car loans and even your funeral expenses can have a dramatic impact on your family and their lifestyle.

Provide for Your Kids - A life insurance policy will ensure that your children can go to college, buy a home and even pay for their wedding if you die unexpectedly.

Peace of Mind - A term life insurance policy is an inexpensive way to give you and your family members peace of mind, knowing that they will be protected if something happens to you. You will no longer have to worry about their financial future and can rest easy knowing they will be able to continue their current lifestyle.

Funerals Are Pricey - Even a basic funeral can cost thousands. A small life insurance policy will make sure your final expenses are covered so your family doesn’t have one more worry at an already stressful time.

Protect Your Business - Regardless of whether you are using a life insurance policy to insure a key employee or a relevant life plan, life insurance can be a major asset to your business.

Give us a call to speak to an Experienced Independent Financial Adviser.

31/01/2023

Retirement Planning For Your Future - Hints & Tips!!

✅ Start early - It sounds a little obvious but the earlier you start saving, the easier it will be to grow a sizable nest egg.

✅ Increase Retirement Contributions Every Year - Once you are in the habit of saving for retirement, you will almost certainly keep it up. You shouldn’t simply leave it at that, though, as increasing your contributions each year will only get you there quicker.

✅ Diversify Your Investments - You’ve heard the saying “don’t put all your eggs in one basket” many times throughout your life. However, it’s vital when dealing with retirement savings.

✅ Get an estimate of your state pension.

✅ Re-balance Your Investments Annually - Re-balancing ultimately means taking stock of your portfolio once a year to ensure that it follows the same allocation you initially set out with.

✅ Saving for retirement is an immensely important part of your life, and it’s crucial for protecting your future for you and your family. It may feel like a lot of effort now, but it could be the key to making your golden years, feel golden.

✅ Ask for Help from a Financial Advisor - They say that a problem shared is a problem halved, and those sentiments can ring true when it comes to your retirement saving endeavour's and support is available, so take advantage of it.

Aspects Financial Ltd can offer a full review of all existing pension plans - advise on suitability of pension transfer - make sure fund choices are appropriate to your tolerance for risk - take care of all the admin.

Give us a call or send us a DM to speak to an Experienced Independent Financial Adviser. ☎️📲

24/01/2023

At Aspects Financial UK, we pride ourselves in providing an impartial, professional service, in a time where it can be difficult to decide who to trust.

Our business is built around the needs of our clients and our core values of trust, transparency and honest advice.

Check out some of our client’s testimonials at: http://ow.ly/QosB50E4Tid

For full information or advice on the services we offer, or if you have a question about your business, your family, living longer or investing in a more sustainable future, together we can find an answer, give us a call today.

Address

16 Jubilee Road
Newtownards
BT234YH

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.aspectsfinancial.com/

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