Mortgages from Brighter... with a little more planning
Financial planning for business owners...
A Final Salary Pension scheme is one where the amount...
Pensions need to be reviewed periodically...
Our Approach to investments is simple. We believe...
At retirement and into our later years our priorities change...
When we arrange a mortgage for you, this is what you can expect to receive:
Standard Mortgage Service
Standard mortgage service and home-buyers financial review
But our business is about financial planning and so we want to offer our mortgage clients more at no additional charge to you
There is no obligation to take this service alongside the standard mortgage service but if you want to know more then click here
A new way for you to work with your independent financial adviser. You think about what you want from your life. We’ll think about how you can get there.
Feedback about Exchange from our clients:
Rosie Bhattacharjee “I have found the online portal and fact find really easy to use. The flow of sections has helped me focus on my priorities and inform discussion with my adviser, who can access the information ahead of our meeting.”
Jackie Hutton “I found the system really user-friendly and simple to follow and it meant that we could use the time during our meeting more productively having gathered all the relevant up-to-date data. “
Brighter Financial Services Ltd have one aim. To support you, the client, with a comprehensive financial plan that helps achieve your financial aspirations, at every twist and turn of life’s journey.
We offer the full range of financial planning services from mortgages and insurance to pensions and investments. We can also help with IHT tax planning, Trusts, Equity Release and Wills.
We are specialists in occupational and personal pension advice and are one of the few companies in the country to have been granted authorisation from the FCA to provide advice on final salary pension schemes.
Whether it is advice you require or product management, we will ensure that when you work with us the result will be (taking account of market fluctuations) a financial portfolio that exactly matches your needs.
Margaret is 54 yrs old. She has worked in a stationery shop for the past 7 years but before this, worked for Social Services and Calming Places, a private nursing home, as a support worker, before the job became too much for her. She has a small personal pension and a final-salary pension scheme.
Margaret would like to speak to a financial adviser. These are the reasons why:
Can she get all this from an Independent Financial Adviser? With Brighter she can.
Josh is 27 years old. Josh finished university 5 years ago and decided to travel around South America and Patagonia for two years before returning home to look for a job .
Josh didn’t realise it would be so hard to get a job. Well hard to get a job in something he was interested in. There wasn’t much available in art or music and he didn’t fancy training to be a teacher. For the last few years Josh has been working in temporary positions in insurance services but is hopeful that he will be able to find something permanent and that suits him better in the future.
Recently however, he has been faced with a tricky decision. His Grandad has died and left him £5,000. He would love to set off again, exploring the World—yes the States or Canada---but he now has a girlfriend and one day thinks she will want to settle down. Is this the time for him to be sensible and save the money? Reluctantly he tells himself it is and decided to look on Facebook for a recommendation. There he found Brighter Financial Services Ltd who were offering low-cost on-line investments .
He decided to look into the company and what the on-line tool had to offer ……………
We know that financial services and products can be complicated and confusing to people. That’s why we want to invite you to look through a window to our business, giving you a pre-view of how we will work with you plus an idea of our approach to finance—clear and simple wherever and whenever we can make it like that for you.
We believe in being open and honest with our clients and so it is fitting for us to support a charity that aims to push mental health—one of the least talked about health conditions—into the spotlight.
Mind are part of the “Head’s Together” campaign, spear-headed by the Duke and Duchess of Cambridge and have been instrumental in campaigning against prejudice levied at those with mental health problems. Only as recently as 2013 have we had laws to ensure that those with mental health issues can service on a jury, be a director of a company or be an MP.
Common mental health disorders such as depression and anxiety are tipped to become the leading cause of ill health by 2020 but mental health trusts see their income falling year on year. More needs to be done.
We support our local Calderdale Mind charity with a monetary gift four times a year.