Financial Services

Authorised and regulated by the Financial Services Authority

Civvals has offered financial services since 1988 and to demonstrate our continued commitment we have set up a separate company, Civvals Financial Services Limited to advise our clients.
Our advice is given in an efficient professional manner based on our understanding of current laws and practice.

We advise individuals, families and small/medium sized companies. Our advisors are qualified in all aspects of personal and corporate finance. All our advice is tailored to personal circumstances and based on a thorough analysis of present and future requirements.

Our scope of advice covers the following areas:

Personal Financial Planning: life assurance, pensions, investments, savings, income protection, private medical insurance. We are also licensed Estate Planners and can prepare for you either a basic or inheritance tax efficient will.
Tax Planning: We can advise on how to mitigate income tax, corporation tax, capital gains tax and inheritance tax.
Corporate Financial Planning: share and partnership protection, pensions (including Stakeholder Pension Plans), group life, group critical illness, group income protection and group private medical insurance. We can advise on how to put together employee benefit packages to help you retain your most valued staff.

We agree with our clients in advance on the way in which we are remunerated for the advice we provide. This can be either on a fee basis, commission only basis or a combination of both. If we charge a fee, all commissions are rebated back into the contracts arranged to enhance the benefits or reduce the cost.

For a free, no obligation meeting to discuss how we can help you or and or your business please feel free to telephone Phillip Fisher to arrange a mutually convenient appointment.