Speaking up for Annuities

Solomons-financial-advisor-wimbledon-blogger

Speaking up for Annuities

OK, let me be clear. I have long wished that the compulsion for people to buy annuities would be abolished. It seems that sometimes wishes do come true…as the Chancellor did precisely this in his Budget last year and on 6th April 2015 the new rules begin. However the general level of financial knowledge is very poor in this country… little wonder as its a dull subject for most people and full of very unhelpful jargon… and some maths… the perfect ingredients for neglect.

Annuities aren’t “bad”

Annuities aren’t good or bad. They are simply a financial product, designed to provide a guaranteed income for life. It is very true that annuity rates have fallen heavily over the last 20 years. This has nothing to do with “greedy insurance companies” but is due to low interest rates, low inflation, low gilt yields and increased life expectancy.

So when I came across an item from the Telegraph “I spent £100,000 on an annuity” I was drawn to it…. well.. thought I should read it anyhow. This is the sad story about Mr Archer, who following his purchase of an annuity decided to see his doctor, who suggested he has a scan and, as it turns out, had a large tumor growing and therefore posed some serious questions about life expectancy.immortals

Now, we have probably all made decisions that we would like to reverse with the advantage of hindsight, but in truth the only real “mistake” made by Mr Archer was to fail to see his doctor and get a full medical prior to buying his annuity. Armed with such information his adviser would probably have provided him with different options.

A clean bill of health…

Normally in the world of financial services, you want a nice clean medical history… relevant when applying for any sort of financial protection (life assurance, critical illness cover, income protection and even private medical insurance). However when it comes to annuities you are more likely to have better options if your health looks… well not so good. In both instances you must be entirely honest, but quite obviously it would make sense to have a medical before an annuity application is made. This could lead to being offered an “enhanced” annuity (sometimes called an “impaired life” annuity). In short, meaning that your life expectancy is below average, so you are offered a higher income… perhaps 30%-40% more. Many retiree’s will qualify for an enhanced annuity.

You cannot change history… but can alter the future

This is not the fault of the annuity provider, or indeed the product. It is sadly a case of “if only I’d known”. Whilst some clamour for annuities to be unpicked, I think this very unwise. The new rules result in greater flexibility, but there are serious concerns that some will simply blow their pension. Indeed just because a doctor or insurer says you have a reduced life expectancy, does not mean that its a certainty… its all about likelihood and probability. The only certainty you can give yourself at retirement, is to book a medical with your GP first, then get a decent financial planner to outline your options. Please learn from the very understandable mistake that Mr Archer made and don’t make the same one. None of us are immortal, with age comes greater health problems… death is not a question of if, but when.. so please add some advantage to your hand.

Dominic Thomas

Speaking up for Annuities2023-12-01T12:39:54+00:00

Dispatches: How to Blow Your Pension

Solomons-financial-advisor-wimbledon-blogger

Dispatches: How to Blow Your Pension

Last night Channel 4 showed a 30 minute programme called “How to Blow Your Pension”. The premise being that the new pension rules might result in thousands of “pensioners” cashing in their pension pots, blowing the lot only to run out of money. You can see the show on the 4OD website should you wish to. The intention was good, but the execution rather miserable and once again missing the opportunity to educate people and whilst Michael Buerk had a good reputation as a BBC newsreader, clearly he doesn’t appreciate that a document from a pension provider is not actually advice – but information about options. Frankly it isn’t that much of a jungle out there, but you will need proper advice, this is not the time to become a DIY internet “expert” it has to work and last. Just because someone has teeth that they care for, doesn’t mean that they should do their own dentistry. Just because you earn, handle and spend money does not make you best placed to do a proper job of planning and generating income for the rest of your life… So I thought I’d have a go at explaining the issues.Dispatches Blow your pension

New Pension Rules – Simple

Pension rules are changing, from April 6th 2015 anyone aged 55 will be able to access their entire investment based pension pot should they wish to. There will be no compulsion to buy an annuity (an income for life). The principles have not changed – in that 25% of the pot is treated as tax free and the remainder is treated as income when you take it, however you take it – and so subject to income tax at your relevant rate of tax. You can still buy annuities should you want to. That’s it.

Running out of Money

The difficulty is that for most people their pension needs to last as long as they do…. ideally a bit longer if they have a spouse that outlives them too. So in practice you need to be careful about how much you take, its got to last and once its gone, its gone. So you have to guess how long you and your spouse might live (clue – actuaries do this for a living and designed annuities).

Make a Plan

So you will also need to reflect on how much income you need, what plans you have and it would be sensible to allow for some unexpected costs. You may need to pay for your own care or medical treatment – if you wish to choose how this is provided to you. You will also need to reflect on the impact of inflation, which at the moment is at record lows – but do the things you pay for really have such a low rate of inflation? and making a guess now for the next 20, 30 or perhpas 40 years of retirement needs some proper thought. If you don’t buy an annuity (which for many will be a very sensible option) the fund will need to grow (just to stand still and keep pace with inflation at the very least) – so how much investment risk is appropriate? what returns do you really need? what happens if these aren’t achieved? how will the portfolio be looked after? … and so on.

Review the Plan

As a result of these new “freedoms” (which some already enjoy anyway) you have a plethora of choices and the truth is that these need to be reviewed – in fact thats the beauty of it all, you get to alter your decisions (unlike simply buying an annuity and having to live with the consequences for the remainder of your life). The ability to access the money means that the crooks are on the scent… be it “pension liberation” or rubbishy investments that aren’t regulated and promise more than they could ever deliver. An independent financial adviser can sort the wheat from the chaff, but a financial planner, will do that and also help you plan your income requirements to suit your unique requirements.

Was that really so hard?

Dominic Thomas

Dispatches: How to Blow Your Pension2023-12-01T12:39:51+00:00

Annuities

Solomons-financial-advisor-wimbledon-bloggerAnnuities

An annuity is an income paid for life. Simple. Generally people buy an annuity with a pension fund, which for the vast majority of people is when they retire. The rules changed recently with George Osbourne’s Budget in the Spring, this meant that from 6th April 2015 nobody has to buy an annuity if they dont want to.teh big steal

Why?

This is an acutaries field day, but let’s keep things simple. Annuity rates are closely linked to interest rates, investment returns and life expectantcy. Over the last 20 years interest rates have fallen considerably (as anyone can observe) so too has inflation and with that investment returns, though “real” (after inflation) returns have been fairly constant over the long term. People are also living longer (on average) – meaning that any income needs to be paid for longer. So actuaries do their sums and review their sums based on these factors.

As a result annuities have fallen from double-digit rates in the 1980’s and early 1990’s to very low and comparativley measly figures today. As a result people understandably look at the size of their pension pot and the projected annuity income and don’t like what they see. Hence pressure over the years to abolish the requirement to have an annuity, which is essentially a decision made once at 65 that cannot be altered and one you have to live with for life.

Regulatory Review MS14-32

The current regulator (my fifth!) has recently published its findings about annuities and how they have been sold. Most of the report is nothing new, myself and other advisers have been calling for change for years. The main problem being that the vast majority of people do not think to consider the options at retirement properly. Far fewer still do any proper planning (working out how much income is needed, when and for how long etc). Most assume, rather strangley, that their existing pension company is simply offering them the “best deal” which is rarely the case… I’m reluctant to say “never the case” but I am tempted to do so. This is why people need to “shop around” but more sensible still – engage a financial planner to properly assess and explain your options. There can be enormous differences from simply getting a better deal, let alone the most suitable, which takes account of your needs, tax and so on.

Whilst the press have been covering Mr Osbourne’s pension freedoms, annuities certainly still have a place and are one of a number of “tools” to consider. For starters, of all the options, they are the only ones to provide guarantees. So if you know anyone that is in the process of retiring don’t let them get confused by the media noise, but encourage them to seek advice from a financial planner – like me.

Dominic Thomas

Annuities2023-12-01T12:39:43+00:00

Deceit Is Hiding In Plain Sight

1994: True Lies – Cameron
I do recognise the problems that the regulator has. The difficulty for investors or the public at large is to understand what game they are playing – sometimes it really is not clear. Take Saga for example. They have been criticised for sending mixed messages. On the one hand they have been advocating shopping around for a better annuity, using an open market option, yet on the other they have a marketing arrangement to offer Legal and General annuities. Which? have cited this double standard and of course Saga have put their PR machine to work.
Annuities are a “problem area”. Most people don’t have very big pension funds so the scale of the problem may not be fully known. However many people simply opt for what their employer or pension provider offer as an annuity. A proper review of all of your pensions together with a proper assessment of your required income for the remainder of your life is pretty vital when making an often irreversible decision about which annuity to pick. I’m often perplexed at how many companies (big ones) get away with a very reckless approach to these sort of decisions – bar of course the “catch all” disclaimer form that excuses them from any responsibility.
We have been doing some work for a client on this and were surprised to find that the employer’s own annuity was better than anything we could find. This has never happened to me before. So my advice was to go with the better option offered by the employer (because my job is to secure the best deal for the client). However we weren’t informed of an error that the employer had made (an honest one) which we hadn’t made, (our figures were right) this made a significant difference and resulted in the best deal that we secured being 6% better each month for life. So the client has now been able to “switch horses” to get the best possible deal.
Frankly, there was a degree of luck that this was caught, for many hundreds or thousands of people out there, they don’t get a second chance with their financial planning. The jargon is often baffling and I’m sorry to say that I find little to suggest that this is not deliberate. The big scandal in financial planning is not the charges on pensions or PPI but on the deliberate mis-information spewing from the marketing departments of large organisations that is taken at face value. This is not restricted to more complex elements of financial products but even on the very simple ones, such as “guaranteed bonds” that are taken out in conjunction with an investment. Sorry, but this is not good enough and people are being ripped off.

We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
Deceit Is Hiding In Plain Sight2023-12-01T12:22:40+00:00

That’s The Wrong Answer

1966: Carry on Screaming – Thomas

There are days when I’m very much “in the zone” and then there are days like today, when I am thwarted by incompetence. Financial planners rely on good information, the tired phrase “garbage in, garbage out” very much applies within financial planning. It is important that information is accurate. I have been working for a client that is due to reach a milestone birthday next week. We have made repeated requests to his pension company (a well-known Multi-national) for accurate information about what his funds are worth and what their options are for him. I need this in order to do a thorough job, frankly a proper one, assessing all his available options. So it is “disappointing” (one word for it) when we are told conflicting information and sent inaccurate details. This is not for a theoretical analysis, but is vital for something that will happen next week (we have been requesting information for months).

Sadly, its not possible to simply “move on” and dismiss their incompetence, the pension concerned is fairly old (ok very old) and has all sorts of very good “bells and whistles” involving guaranteed annuity rates, which when compared against the market are considerably better (double). So it’s no good me losing my patience and moving on to another option, we need the information. The client of course is simply looking forward to the funds – his pension, which is entirely reasonable, but will be disappointed when they don’t materialise on his birthday because of the delays outside of our control. I would like to think that in this technology based world, that this sort of mess could be easily avoided, but sadly the company concerned cannot even send a fax out on the same day…. hey presto an email to my inbox from a research company asking about annuities…. will I spare my wrath? As a financial planner that attempts to make sure money arrives in the right form, right amount, right place, right time it is deeply disappointing to be at the mercy of product provider incompetence. Sadly, real life experience of service is not regarded as a terribly good way of assessing the most suitable product, so we persist… again…. whilst I carry on screaming.
We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
That’s The Wrong Answer2017-01-06T14:40:03+00:00

Is This A Country for Old Men?

2007: No Country for Old Men – Coen’s
As an Independent Financial Adviser with a focus on pension planning, today’s news that the Bank of England are going to throw yet more money into the economy (some £50bn worth) is a mixed blessing. In theory the purpose of the exercise is to stimulate economic activity and help get banks lending and people spending. Yes, more of the “same old, same old” and single-track thinking. An economy built and fuelled by debt cannot really be good for anyone in the long-run. However, for those approaching or in retirement, one does begin to wonder if this is actually helping.
It is particularly unhelpful to those about to retire and are considering buying an annuity. An annuity is one of a range of options at retirement. In essence it is nothing more than an income paid for the remainder of your life in exchange for your pension fund. You can build options into the annuity – have it rise each year so that it keeps pace with inflation, have it continue payment to a spouse in the event of death. The more bells and whistles added the worse (smaller) the annuity (income) you get.
So how is this connected to quantitative easing? well there’s a very good brief interview with Roz Altmann, someone that I respect enormously and who has done a huge amount of good work to improve and explain pensions. She is interviewed briefly on the BBC today and discusses how more quantitative easing leads to lower Government Gilt yields, which leads to lower annuities, which is bad news for anyone planning to take an annuity right now. There are alternatives, but these are thin on the ground and in reality there is no certainty that delaying taking your pension (by buying an annuity) will be any better. It ought to be (because you would be older) but it might not be – depending on interest rates, gilt yields and so on.
This is precisely where a proper discussion with an Independent Financial Adviser can be vital, ensuring that your options are properly explored. Of significant value is a cash-flow plan which enables you to identify stress points and enables me to help find solutions for clients. A pension is one way of building up income for retirement, a good way (because of tax relief) but not the only way.
We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
Is This A Country for Old Men?2017-01-06T14:40:09+00:00

The £billion Retirement Swindle

2011: The Great Magician – Tung-Shing Yee
As an Independent Financial Adviser, I act in the best interests of my clients. At the moment, and for as long as I have been advising clients, the term “Independent Financial Adviser” or IFA means that as your adviser I have to represent your best interests, selecting the most appropriate and suitable products from the entire market. In many respects, the financial service  product providers of all types (pensions, insurance, investment) has to convince advisers to use them. This, if you will, should keep the market competitive and honest. Sadly, this system has flaws as different products pay different levels of commission as do different providers. This is why when I set up Solomons in 1999 I set the firm up so that there was no bias between products or providers, as we would be paid the same irrespective of product or provider. This fee-based system has worked very well and saved clients thousands of pounds.
As a generalisation, the financial services industry tends to rely on fear, greed and inertia. One area where inertia and financial literacy become highly significant is that of actual retirement. This has received considerable media attention of late. In essence, when your pension reached the scheduled retirement date, historically pension companies provided a quote for the pension (which is actually an annuity). Many people opt for this thinking that there is little point making any further investigation. However, this is an area of financial planning that needs particular care. This is something that the NAPF (National Association of Pension Funds) is concerned about and in a new report estimate that collectively people buying annuities could be better off by £1bn each year.
For starters, using the “Open Market Option” means that you are able to buy your annuity from any annuity provider. Some are considerably better than others – providing significantly more money each month. It is often an epiphany like moment, when you see how much more your pension can provide with exactly the same pot of money. The FSA want pension companies to be clearer in the information that they provide that their information is just a quote and better deals might be found elsewhere (you can imagine that most pension companies would not be that keen to promote this concept).
Secondly, should you have any form of medical or health condition, you might qualify for an impaired life annuity or sometimes called enhanced annuity. This will also provide more money each month for the same fund. This is because as a group, actuaries believe that you will not live to the average age (because of the medical condition). This is of course often not what happens in reality. An enhanced annuity can provide 30% more income and it is estimated that something like 40% of people taking an annuity would qualify.
Finally, (well for the sake of brevity anyway) a proper discussion about whether now is the right time to take the annuity, or indeed if an annuity is appropriate at all. There are new options for those considering retiring and these should be explored fully. Getting your retirement decisions right is vital, as it is often a decision that you have to live with for the remainder of your life and invariably that of a spouses too. This is why it is vital to review and plan your retirement options and in my opinion to have a much flexibility as the rules permit.
Call me odd, but I get a real kick from helping clients to get more for their money. It is very satisfying to find the best possible solution that results in more money in your pocket. I would be delighted to help make sure you don’t lose your share of £1bn each year. This is perhaps the only “magic” that I can perform as a financial planner.
We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
The £billion Retirement Swindle2023-12-01T12:47:57+00:00

Talking Money

The latest edition of Talking Money will be posted to clients today. If you cannot wait for your copy, please have a look at the resources section of the main website. This issue covers topics including SIPPs, Annuities, Tax and the new Flexible Draw Down Rules.
We have also added some updated documents regarding NEST, SIPPs and Inheritance Tax. Do take a look.
We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
Talking Money2023-12-01T12:48:44+00:00

Russian Roulette Retirement – Six Bullets

I apologise in advance for the tone of this piece, but find myself outlining some broad details which many will find akin to teaching grandma to suck the proverbial egg. I’m also conscious that having an image of the poster from the 1978 Robert De Niro film “The Deer Hunter” is stretching the point and I don’t wish to offend anyone with the image.
Let me begin with an obvious statement. We don’t get to decide when we are born. As a consequence we don’t get to decide when we become 65. If you are “lucky” you will be 65 at a point in time when the economic cycle is good, when the markets are rising. Many however, will find that 65 comes at precisely the wrong moment. Many people are playing a game of Russian roulette with their future. You can only control so much – so what can be done?
1. Review your pension and investments. It is vital that the investment strategy ties-in with your planned need to draw capital or income (or both) from your portfolio of whatever. This sounds rather obvious I know, but this is a very common mistake that people make. In essence, the closer you get to the day you need your funds most people will want to have a high degree of certainty and not worry about the state of the global markets. As a result the investments should all be in low risk/low return holdings, possibly cash. Most people do not appreciate that their pension or endowment or whatever has a range of funds, OK often very small, but never-the-less there is a range and invariably this includes low risk funds. In an ideal world you should gradually apply “investment brakes” in a 5-year run up to the date you need the proceeds.
2. Consider what retirement will actually mean for you… many people find the transition from work very difficult, some leave high profile positions and describe life in retirement rather like “being invisible”. There is nothing to stop you earning money/working after a certain age. Certainly much will depend on what the role is and your state of health, but this is something that is within your control. It is important therefore to reflect on what you are likely to do in retirement and what income (if any) you need. By way of example, Robert De Niro turned 65 in August 2008. To date he has worked on a further 14 films since then.
3. The State pension age is being moved around all over the place at the moment by Governments that are unable to deal with maths, economics and social planning. The amount of the pension is being “reviewed” as are the qualification rules. The principle is that everyone (UK domiciled resident taxpayers) should get a full State pension, but quite who qualifies and how much tax or exemptions apply is open to debate. I suspect that for poor reasons, the State pension will one day become means-tested.
4. Ignore the impact of inflation at your peril. Good planning means attempting to maintain your purchasing power. In reality basic utilities, transport and food costs all seem to rise faster than any government approved statistic for inflation (you have been warned).
5. The goalposts keep moving. This is of course meant to be a source of great joy to Financial Advisers and Accountants as it means important things have happened which need explaining. I don’t find myself feeling this way, indeed quite the opposite. The BIG new rules are pretty much these:
5.1 From April 2012 your pension funds must not be worth more than £1.5m. There are some exemptions but all come with a catch. This is known as the Lifetime Allowance.
5.2 The amount paid into pensions per tax year per person has altered. £50,000 is the allowance, but you can use up “2 previous unused years”. Those earning good salaries in defined benefit/final salary pensions also have a complicated formula to calculate the amount that their pension increased by over the year which will restrict their allowance and in some case exceed it leading to a further tax charge. This is known as the annual allowance.
5.3 The need to buy an annuity (annual income for life) has been abolished. That said, most people will end up with one. Whatever you do, DO NOT accept the annuity quote that your pension company sends you. There will be others that are MUCH better. An adviser will sort the best for you. It may be that you have a poor medical history – or smoke, this will lead to a better annuity as, to be blunt, you have less chance of reaching the average age of death.
5.4 If you don’t like the idea of an annuity (giving up some or all of your pension fund to an insurance company in exchange for an income for the remainder of your life and possibly that of your spouse) then you can also now defer taking the annuity – potentially for good (known as DrawDown). You can instead take an income similar to that of an annuity and leave the fund invested. The fund almost certainly needs to grow, so you will have to expose the fund to investment risk. The amount of income is determined by your age, gender, size of the fund and the Government Actuarial Department.
5.5 If you have guaranteed sources of income for life of £20,000 which can include your State pension but not earnings or income from investments, then you can strip all the fund as income if you wish, simply paying the relevant rate of income tax at the time. This is known as Flexible DrawDown The £20,000 limit implies that you won’t return cap in hand to the State once you blow the lot – or if you do, you won’t find a sympathetic ear.
6. Finally (yes I cheated a little with the 5.1-5.5 didn’t I) make sure that you have thought about what you want from life. Generally we don’t control the date of our death, so ask yourself some soul searching questions. Having an enormous pension pot that you worked hard to build, depriving yourself of many “good things” only to die three months into retirement is not a good result. That’s why a good financial planner will ask some pretty personal questions. As I have probably said many times before only “magic” in financial planning to to attempt to ensure that your money does not run out before you do. This of course will prompt some very deep and big questions.
A good financial planner is perhaps a little like Joseph – who managed to make sure that enough was saved  from the years of plenty for use in the years of famine, which ended up saving the entire Egyptian nation. A great financial planner will ensure that you handle the question – how much is enough? 
There is no need to play Russian roulette with your future.
We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
Russian Roulette Retirement – Six Bullets2023-12-01T12:49:16+00:00

Lost in Translation: Insurance in chaos?

Yesterday’s ruling by the European Court of Justice is very much in-line with the principles of fairness outlined in EU Directive 2004/113/EC, but ironically fails to be “fair”. Regrettably this is another example of poor thinking and unintended consequences. Not by the judges, who have been left little room for manoever, but by the politicians that failed to see the consequences of their noble aspirations for equality way back in 2004.
From 1st January 2013 (conveniently the same date that the new RDR regime begins) the rule for unisex premiums and benefits will apply – unless this ruling is challenged.

Lloyds Building – UK Insurance Market
On the face of it, it would seem fair that everyone is treated equally regardless of their gender. However, when risk is being considered (risk of death, injury, illness or accident) insurance companies have applied the logic of experience and actuarial number crunching. Lloyds of London is the worlds leading insurance market and will need to think through the implications of the ruling.
It will surprise nobody that women tend to outlive men. It will also not be a shock that young male drivers are more likely to have an accident and a more expensive one at that. I know that this is a long debated and joked issue – “why do women outlive men?” perhaps there is a correlation between life expectancy for males as a direct result of the stress caused from poor driving at speed? I have a rule at home that my daughters are not driven by anyone that has not held a full drivers license for a minimum of 12 months, I digress. As a result of the “evidence” (statistics) the price of risk can be calculated. Young men pay more for car insurance, older ones pay more for life assurance. Men tend to get a higher annuity from their pension pot because they are unlikely to live as long…most will invariably leave all or a part of that income to their spouse, which of course will be detrimental to many women that don’t have very large pensions of their own.
As a result of the ruling, the insurance world is thinking through the ramifications and to put it bluntly is in “chaos”. My own view is that all young drivers will now pay a lot more for car insurance. Men will get worse annuities, as a consequence so will their spouse. Men and women will probably both end up paying more for insurance of any description – after all there is no excuse quite like a legal one for taking the opportunity to whack up the premiums. Unless of course, someone stands up and says this is daft without sounding like a rant from a tabloid newspaper.
So we all lose. Equally – or not so equally, but we all lose.
We are a boutique firm of financial planners. We create financial plans designed to achieve a desired lifestyle. We will craft and implement your plan that will provide you with the greatest chance of accomplishing your unique goals based upon the values that you hold. Financial products are little more than the tools to achieve your required results
Call us today or visit our website for more information and to arrange a meeting
Lost in Translation: Insurance in chaos?2023-12-01T12:51:59+00:00
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