Current Location:

Northumberland

Localise Me


Family Finances

90c476170cf90a1c2298ca3de19cf2cf.jpg

2ea7da511052c15a6ddb279f2b4dea47.jpgWith a highly qualified team of advisers, with a wealth of experience, and compassion; we are able to help each individual through what can often be a stressful experience.

Whether you are just reviewing your finances on a regular basis, or going through a life changing experience; we are here to help.

As we have always been fully independent, we can search the entire market; always ensuring we find the best product; or service for you.

Our Financial Planning Service is designed to give you the freedom to plan ahead with confidence, covering all   aspects of personal finance. From your bank accounts to your mortgage, your pension, investments, tax, school fees, university plans, personal protection and long-term care.

PROTECTING YOUR FAMILY

Raising a family takes time and energy and life assurance isn't always top of the €˜must-do' list.  There may no longer be two incomes and there will be extra expense.  For the main earner it's a time to think about increasing life cover and consider insuring against unwelcome and unexpected events such as a life-threatening illness, accident or unemployment.

If you're the main carer, it makes sense to ensure that money would be available on your death to meet the cost of the many services you provide for your family, like housekeeping and child care.  Life assurance can be combined with other cover, so as well as providing a lump sum on your death, you can also protect against loss of income due to unemployment, accident or critical 2c6260393c3f258e8f3d1a19a0e8e042.jpgillness.  Policies can be tailored and cover combined into the right plan to meet your needs at any stage of your life. 

Reviewing your insurance cover regularly will help protect your family from financial hardship.  It's also an opportunity to check your existing policies are still right for you and represent good value for money.

Finances on Divorce

It's a fact of modern life that as many as 40% of all marriages in the UK end in divorce.  The break-up can be a traumatic time for all concerned and brings with it the need to make financial arrangements that can have ramifications for years after the settlement is made.

There are no hard and fast rules governing how assets should be divided, although there is a broad starting point of 50 : 50.  If the divorcing couple are unable to come to an agreement on the division of their financial assets, the court will decide how these should be apportioned between them, based on factors such as their age, earnings ability, property and investments and role in the relationship (e.g. breadwinner or primary carer).  The needs of any children of the marriage are always considered paramount.

At AYP Financial Planning we specialise in providing advice on divorce and can offer sympathetic, patient and pragmatic support throughout the whole process.  You will need help to decide on your future financial goals, review your mortgage, life insurance, savings and investment plans and you'll need to remake your will.  Post-divorce, reorganising your finances is an essential step in moving forward to a new life.

Contact AYP Financial Planning for a confidential review now.  First meeting is without charge but could prove to be the best time you ever spend.  We can help, contact AYP Financial Planning on 01434 607808 or email info@aypfinancial.co.uk

Tighter Regulation of the Children’s Footwear Industry

Tighter Regulation of the Children’s Footwear Industry

Leading Biomechanics Coach and Chartered Physiotherapist, Martin Haines is working with Start-rite Shoes and www.healthylittlefeet.com to raise awareness of how poorly fitted footwear can affect children’s overall development and impact on their adult health.

Kids crying out for a dog? Can't commit to full-time ownership?

Kids crying out for a dog? Can't commit to full-time ownership?

Why not become a host for Barking Mad, the leading alternative to kennels? Look after family-friendly dogs in the school holidays and, if you are a stay-at-home parent, other times too.

 

Business Tips for Mothers

Business Tips for Mothers

Independent Avon Sales Leader Carrie Twining, 31 from Rugby is currently pregnant with her second child. 3 years ago she was working full-time as a buyer for Claire’s Accessories when she fell pregnant with her first child, and found herself in a tricky position having to choose between going back to full-time employment, or spending time with her new baby.

The Simple Art Of Crabbing

The Simple Art Of Crabbing

New Video Explains The Basics Of Crabbing To Kids

Eurocamp

Eurocamp

We build holidays around you. Not us. And with over 175 parcs in wonderful locations throughout Europe, we're sure we've got the perfect place for you.

Wherever your're headed, you'll find the possibilities are endless! So why not make the most of our flexible travel dates and find the perfect holiday for your family?

What's more, you can save £££!

Autumn Activities

Autumn Activities

Now that we are in autumn everyone is looking for things to do with the kids to celebrate this lovely colourful season. Here we have some great ideas, and they don't all involve being cooped up indoors! Get out and enjoy the cooler, fresh air and the crunchy leaves under foot - you can always return home afterwards for a hot chocolate and a snuggle