Autumn Winter 2016

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Pensions freedom We are delighted to introduce Tami
Barton who has recently joined our
team at David Allen Financial Services. It is now some time since the introduction of the pensions
freedom legislation brought in by the Government in April
2015. There has been much speculation in the media on
this subject from extremes, such as being able to purchase
a Lamborghini with the accumulated pension pot to the
lack of clarity and availability of advice for people looking
to discuss the options available to them.
Tami is a CeMap qualified Mortgage Adviser with more
than 15 years’ experience in providing mortgage and
protection advice.
To assist people the Government
introduced Pension wise, which is a
free and impartial service that helps
people approaching retirement to
review their options so they can go
on to make an informed decision
about their pension pot. The service
provided by Pension wise is part
funded by levies charged by the
Financial Conduct Authority on
financial services companies such as
David Allen Financial Services. Clients
who are aged 50 years old or over and
have a defined contribution pension
can book an appointment with a
Pension wise specialist and they will
receive guidance on:
• pension options
• tax implications of the options
• what to do next
Pension wise guidance specialists
cannot and do not recommend any
products or providers and they won’t
tell clients how to invest their money
or which is the best option for that
individual’s circumstances. They will,
however, explain the importance
and the benefits of going on to seek
regulated financial advice where
relevant, such as when a client wants
help to purchase a retirement income
product. It often becomes apparent
as part of their guidance sessions
that clients who have large sums in
their pension pots and possibly a
range of other investments, including
properties, would benefit from
specialist investment and tax advice.
We are Independent Financial
Advisers and as such have no
product and provider bias.
We will also explain things to you
in an easy to understand manner,
without the use of confusing jargon
or technical terms.
To benefit from a free, impartial review
of your existing pension provisions,
then dig out your old paperwork and
contact our team on 01228 711881
for a no-obligation discussion or to
arrange a meeting with one of our
highly qualified advisers.
During her career to date she has gained invaluable
experience. Originally working for a local building
society, she then went on to work as a Mortgage Broker
before joining the global brand of HSBC as a Financial
Planning Manager where she looked after a portfolio of
clients, covering all aspects of financial advice including
investments and pensions. It became very clear to Tami
that she wanted to specialise in one area and become an
expert in her chosen field of mortgages and protection.
Tami joins the team to support the continued growth of the
business and with her wealth of knowledge she will deliver
an outstanding service experience that is rarely seen in
the sector. Whether it’s at your home or your workplace,
in your office or during the evening, the team at David
Allen recognise that clients shouldn’t have to spend their
precious spare time in endless appointments trying to sort
their finances.
Tami will provide solutions for all your mortgage needs.
As well as sourcing your new mortgage she will also ensure
you and your family are financially protected in the event
of illness whether short term or long term, critical or life
threatening. This is very important to Tami as she has had
first-hand experience of critical illness and appreciates the
importance of securing financial stability and having peace
of mind during such a difficult time. Even if you are unsure
of what protection you currently have, Tami will complete a
comprehensive review of your existing policies to confirm
they are up to date and still provide the level of cover you
require.
Tami was born in Penrith, raised in Appleby and now
lives in Kendal with her husband and three daughters.
In her spare time and when not with her family, her other
passion is finding the next physical challenge. In July she
successfully completed the Yorkshire Three Peaks challenge
raising money for charity and previously she has climbed
Ben Nevis for Cancer Research.
Call Gary on 01228 711881 to find
out he can help you achieve your
retirement goals.
Call Tami on 01228 711881 to find
out more about our mortgage and
protection services.
Gary Jackson
Independent Financial Adviser
Tami Barton
Mortgage & Protection Adviser
For more information
on how we can help you
achieve your retirement
goals call Gary on
01228 711881 to
book an appointment.
For more information on Pension wise
please visit their website at
or phone
0800 138 8292 to book
an appointment.
This is where our team
at David Allen Financial
Services will help.
We offer:
• a free initial consultation to
discuss the available options
• a detailed, tailored and impartial
recommendation
• an ongoing service to regularly
review those recommendations,
which is particularly useful
when considering a change in
circumstances or any legislation
changes.
Let Tami do the hard work for you by
searching the whole of the market to
ensure that you receive the best deals
available, all of the time, every time!
To arrange your FREE review call
01228 711881.
Your home may be repossessed if you do not keep up repayments on your mortgage.