Happy New Year and best wishes for 2012 to All our clients.

Axess Financial Services

	Income in retirement/ Annuity and Open Market Option Find the best rate to maximise income from your pension fund.  Higher rates available for those with impaired health.
	Mortgages and secured loans Whole of market mortgage search.  Best Buy deals based on not just the rate, but also fees and charges.  First time buyers, home movers, remortgages, Buy to let and overseas.
	Life and Critical Illness insurance. Protecting yours and the family's standard of living if the breadwinner is to die.  Also protecting a mortgage or other loan.   Find the best quote for short term and long term life assurance all leading UK insurers including Aviva, Bupa, Legal & General, Prudential, Scottish Widows, Zurich etc.
	Inheritance tax planning. Protecting a loved one or ensuring your legacy is for the family and not for the tax man.  Using a Will, Trust or tax efficient investments can reduce death duty or inheritance tax. Current IHT nit rate is £325,000.