Savings and investments for yourself and your family are much easier with a little knowledge, and some good financial advice. Here is our jargon-free round-up of savings and investments, showing the advantages and risks of each investment type.
Independent Financial Advice Service from Principle First
Financial Planning
Because things happen
Because things happen
Pensions
Get ready for tomorrow today
Get ready for tomorrow today
Investments
With you at every step
With you at every step
Financial Planning
INHERITANCE TAX
Many people spend all their life building up their fortune, for 40% to be taken by the tax man on death, in the form of INHERITANCE TAX.
Principle First will assess your finances and make recommendations, ensuring that you mitigate your beneficiaries' INHERITANCE TAX liabilities.
Inheritance Tax CalculatorPersonal Insurance 
FAMILY PROTECTION
For most people, family is the single most important thing. However, few people have the correct family protection in place.
We will demonstrate through simple calculations what life insurance, critical illness insurance and income protection you will require for a secure future.
Insurance CalculatorInvestments
INVESTMENT EVALUATION
Not getting good growth on your investments?
At Principle First, we will evaluate your investments to ensure the best chance of growth. We will also educate you about your investments and the funds in which your money is held - giving you the confidence and knowledge to get a better return.
Investment PlannerPensions
RETIREMENT INCOME
People are not saving for retirement, or they do not review their existing pension to maximise their growth or minimise their risk.
Like all investments, Principle First will review your investments annually and advise you on how to ensure that you have an adequate income in retirement.
Pension PlannerMortgages 
MAKE THE RIGHT MOVE
Finding the right mortgage does not just mean going for the deal with the lowest interest rate.
There are many factors to take into consideration, when choosing a mortgage. We believe that with the right advice you can get the best mortgage deal that suits you. We are with you every step of the way!
Mortgage PlannerThe OnePlan™
GET READY TO TAKE CONTROL OF YOUR MONEY
Ensuring your finances are in order can be a tricky task. Do you have bits here, and bits there?
At Principle First, we understand the importance of customers taking control. We have created OnePlan™ to allow you to take control of every aspect of your financial world in one space.
Coming soon...
Latest News from Principle First
Savings and investments made simple
March 12th, 2010Ethical Funds must dig for detail
March 11th, 2010
Ethical funds watchdog EIRIS has found that 45% of companies have no management systems in place to check labour standards among their suppliers, and therefore fail to report on the issue. Worst offenders on worker exploitation are consumer goods makers, particularly of clothing, toys, and electronics.
High earners tax may miss target
March 11th, 2010Government plans to review tax on high earners could hit many on salaries lower than the £130,000 target group. Those who receive a performance-related bonus, for instance, could be subject to hefty tax recovery charges.
Pension Schemes still best savings option – NAPF
March 10th, 2010
Pension schemes have come out tops with the majority of workers as being far ahead of other forms of saving. In a new survey, pensions came first with 44% of respondents, far ahead of property (18%) and well ahead of any other form of saving. Over three quarters of workers (77%) said they would regard a workplace or occupational pension as a significant plus point, when looking at any prospective employer.
Constant pension reviews needed to protect income
March 9th, 2010
Maximising the performance of your pension savings requires regular reviews and quality independent pensions advice. By constantly reassessing your pension investments, a good adviser can add thousands to your annual income in retirement. New figures from Aon Consulting use 3 scenarios to show the savings that are possible.
ISAs perfect for children’s savings
March 9th, 2010Why lose this year’s allowances for tax-free savings in ISAs? With just weeks to go before this year’s ISA allowances of £7,200 expire, you could set up ISA accounts to save for your children’s education.
Pensions rush as minimum age rises
March 8th, 2010The minimum age for taking company pensions and personal pensions rises from 50 to 55 on April 6th. Numbers of those retiring were up by over 20% in January, as many rush to retire before the deadline.
Critical Illness Cover protects your children for free
March 5th, 2010
If you are one of the13% of people in the UK who have taken out critical illness cover to protect themselves against losing their income through ill-health, you are probably aware that critical illness insurance offers identical cover for your children – free of charge.
State Pension changes penalise women
March 5th, 2010Women turning 60 and claiming their basic state pension before April 6th stand to lose up to £20,000 of retirement income, compared to women turning 60 later this year. New rules that will apply after 6th April significantly relax the requirements to receive the full basic state pension for women.
Mortgage rates stable as Bank of England holds fast
March 4th, 2010
The Bank of England has today decided to hold interest rates at the historic low of 0.5%. Customers seeking first time buyer mortgages right now are being advised to seek quality independent financial advice. An independent mortgage advisor, with their ‘whole of market’ approach, can find the very best mortgages based on the whole of the UK market, and will on average save you almost £1,000 on your annual mortgage repayments.
Income Protection Insurance for skilled workers
March 3rd, 2010
Income protection insurance policies now allow skilled workers more control to clearly define events covered. You can now receive a payout if you are no longer able to perform your own specific job or activity, rather than having to be incapable of all activities within your profession.
Basic State Pension no longer meets needs
March 3rd, 2010Are you one of the 27% of people soon to retire, who will rely on the basic state pension as their main means of support? If so, then you could be receiving basic state pension benefits that currently stand at less than £5,000 a year.
0800 678 5929
7 Racecourse Road,
Derry,
Northern Ireland
BT48 7RB
Email: info@principlefirst.co.uk
Principle First Financial Services is a trading style of GMF Marketing Services Ltd. which is authorised and regulated by the Financial Services Authority. Principle First Financial Services is entered on the Financial Services Authority's register under reference number 409667.
Investments
- Ecclesiastical Amity International A Fund
- Henderson Industries of the Future A Fund
- Henderson Global Care Growth A Fund
- First State Investments Global Emerging Markets
- Our Investment Portfolios
- Investment Planner
- Baillie Gifford Emerging Markets
- Fidelity South East Asia Fund
- Cazenove European Fund
- M&G Recovery Fund
Loans
Financial Planning
Mortgages
Savings
Pensions
Annuities
Personal Insurance
Sustainovation
PAST PERFORMANCE IS NOT A GUIDE TO FUTURE RETURNS & INVESTMENT RETURNS MAY FALL AS WELL AS RISE - Risk Profile must be clarified before proceeding with any investment advice. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. We offer the option to pay for mortgage advice by way of a fee. This may vary depending on circumstances but is typically £500, contact us to discuss your remortgage and mortgage options with one of our mortgage brokers.