Half of UK pension savers have never reviewed their pension plans, and cannot say how their pension is invested. One in 5 actually make investment decisions without advice. Most of those prudent enough to review seek pensions advice from an independent financial adviser.
Independent Financial Advice Service from Principle First
OnePlan™
Try OnePlan now for free
Try OnePlan now for free
Pensions
Get ready for tomorrow today
Get ready for tomorrow today
Investments
With you at every step
With you at every step
Investments
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 PlannerFinancial 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 CalculatorThe OnePlan™
Would you like to manage your Pension, ISA's, Mortgage, Life Cover & IHT using OnePlan? Start Now >>
Pensions
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 PlannerPersonal 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 CalculatorLatest News from Principle First
Company pensions to suffer as government launches NEST
September 1st, 2010 by John Doherty
One in 10 puts retirement plan on hold
August 26th, 2010 by Gareth Flanagan
Today, 10% of UK workers are revising their retirement plan, believing they will never be able to retire, according to Barings. In the same survey just 2 years ago, 100% of people were confident they could retire. Barings is urging workers to make retirement pension plans earlier, to ensure sufficient income in old age. Read More
Over 40s keep partner in the dark on retirement pension plan
August 25th, 2010 by Gareth Flanagan
A third of couples over the age of 40 know nothing of their partner’s retirement pension plan, and general finances. As a result, there is no coherent financial planning in place, with many ‘living in hope’ that they will have sufficient income in retirement.
More play lotto than buy life insurance cover
August 24th, 2010 by Fiona Coyle
Most of us spend more each month on the lotto than on insuring our life and the wellbeing of our family. Only 41% of people in the UK have life insurance cover, while 68% of people play the lotto or gamble, says Aviva. The average household spends nearly £14 a month on games of chance, while the cheapest life insurance cover can cost just £5 a month.
Read More
Pension Income plans will limit income drawdown
August 24th, 2010 by Gareth FlanaganGovernment is proposing to scrap Alternatively Secured Pensions (ASPs) but offer income drawdown of pension savings subject to new limits.
Investment Funds – invest to beat the bank
August 20th, 2010 by John Doherty
Investment funds offer a golden opportunity to expose your money to the attractive growth rates that can be accessed in stocks and shares. Investment funds generally outperform cash, in the medium term. Here we explain how we create a funds investment that is perfectly suited to you.
Financial planning advice in high demand
August 19th, 2010 by John DohertyDemand for financial planning advice was strongly up in the first half of the year. Pensions and investments remain strongest drivers, but greatest growth was in demand for mortgage advice.
Avoid Inheritance Tax with good financial advice and financial planning
August 16th, 2010 by Gareth Flanagan
Inheritance Tax can apply at 40% to portions of your wealth you intend for your children. IHT is one of the most lucrative taxes for the Revenue, as it applies at 40% to all liable assets. However, it is also one of the most avoidable of taxes, with good financial planning. Read how here – click on the headline above.
Delays in arranging pension income cost pensioners dearly
August 13th, 2010 by John Doherty
Companies dragging their heels in setting up annuities lose one or several weeks’ pension income for pensioners. Just a week’s delay can cost over £100 – the worst offenders can cost you over £1,000.
Proposals will cut private pension income, say experts
August 11th, 2010 by Gareth Flanagan
New proposals to link state pensions and private pensions to the Consumer Price Index will save money at Government level, but could see pension income rising 25% less than expected.
Financial planning with a good ring to it – use your spouse to save tax
August 6th, 2010 by John Doherty
Did you know that if your spouse is not working, they still have a tax-free allowance you can use as part of your financial planning? In a few simple steps, you can make up to £6,475 of income from your savings or investments tax-free. Who said marriage had to be taxing? Read More
0800 678 5929
7 Racecourse Road,
Derry,
Northern Ireland
United Kingdom
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.