Browse through our frequently asked questions (FAQs) below to see if we have already answered a question you may have had about our services or about financial advice in general.

Also, be sure to check out our blog for more helpful information, free tips and news about how financial matters can affect you.

We are always here to help. If you have an investment or pension with us then we will always have an annual review to go through things with you. If it’s more urgent then just give us a call and we will make sure everything is taken care of.

Most investments don’t come with guaranteed returns and the increase or decrease will depend on the performance of your individual investments. We will carry out an annual review with you to make sure your investments are always working towards your goals.


That depends on how much they’ve got, how much they need, and who they want to leave it to. We can meet with you and your parents to discuss all of their options and help put a plan in place which is suitable for their objectives.

There’s no legal requirement to protect your income, but what would you do if your income suddenly stopped?

Everyone’s circumstances are different. We want to help you ensure you have the right level of insurance for you and your family/ business at an affordable premium.

If you have contributed less than the annual allowance in any of the previous three years (£50,000 for each year), you can carry forward the unused portions and add them to your contribution for the current year.

You can pay as much as you like into your pension, but there are limits to how much tax-relief you can receive. Currently the limits on contributions for tax relief are the lower of 100% of your earnings in the year or £40,000. You can pay in more than these limits, but will not get tax relief on these additional contributions.

No. It’s use it or lose it.

You have an annual allowance which is set each year. Currently that allowance is £20,000 for the 2017/2018 tax year.

ISA stands for Individual Savings Account. It is a very tax efficient way to save and invest as you don’t have to pay any income tax on the interest generated nor any capital gains tax on profits made price increases. The 10% tax credit on dividends is not reclaimable.

The simple answer is yes. However, before doing so, we will analyse every one of your pensions to make sure it is in your best interests to do so and that there are no hidden costs of doing so and no hidden benefits that you could miss out on.

We often have clients come to us who have been told they can’t have what they want. With our vast experience, connections and knowledge of the market, we are able to look at the bigger picture. If there’s a lender out there for you, we will find them.

Yes, as long as you have disclosed all relevant information to us. Please ask us for our Mortgage and Insurance Proposition for full details.

A fee of £435 is payable upon agreement to use our services. Please ask us for our Mortgage and Insurance Proposition for full details.

We’ll have a face to face meeting with you to get to know you, your circumstances and your financial position, listening to what you want to achieve and ideally how you would like to achieve it.

With pleasure. Just give us a call and we’ll do all the hard work for you.

This is the size of the loan/mortgage expressed as a percentage of the value of the property. For example, if you have a mortgage of £750,000 on a house that’s worth £1,000,000 you have a loan-to-value of 75%.

We are based in Borehamwood. Our offices are directly opposite Elstree & Borehamwood rail station so we are easy to access if you would like to come and meet us! Click here to find us.

Our full contact details are:

The Orchard Practice
2 Penta Court, Station Road
Borehamwood WD6 1SL

Phone: 020 8953 8687
Fax: 020 8953 6994