Based in Midlothian, we have clients throughout the Lothians and Fife. With our expertise Face 2 Face can help you with your financial planning requirements making sure you make the right decisions. We pride ourselves on plain talking and a first class service, ensuring that the advice we give is tailored to your own needs. To make things even more straightforward, we arrange to see you at your home or work place at a time convenient to you.
How much cash would your family need to maintain their current lifestyle if you die prematurely?. Would you require a regular income or a cash sum if you suffered a serious illness or disability?. Are you making the best use of any spare capital or surplus income? The value of investments and pensions and the income they produce can fall as well as rise.
You may get back less than you invested. We hope you find the site both useful and informative. The General Insurance Services that are made available to you through our website are introduced by ourselves to a third party, however you can be assured the quotes you will receive will be some of the best available in today's marketplace.
How much cash would your family need to maintain their current lifestyle if you die prematurely?. Would you require a regular income or a cash sum if you suffered a serious illness or disability?. Are you making the best use of any spare capital or surplus income? The value of investments and pensions and the income they produce can fall as well as rise.
You may get back less than you invested. We hope you find the site both useful and informative. The General Insurance Services that are made available to you through our website are introduced by ourselves to a third party, however you can be assured the quotes you will receive will be some of the best available in today's marketplace.
Services
Our people are very important to us, as is making certain we provide you with the best possible professional financial advice.
Below is a short biography for each of our colleagues together with their contact telephone number.
As a Director with Face 2 Face Financial Planning and Mortgage Solutions, I am committed to delivering better value and choice for my clients, working with them in a very modern way that is easy to understand.
With over 20 years of experience in Wealth Management and Retirement Planning, I have developed many lifelong relationships with clients, helping them to secure their financial futures for themselves and their families through the breadth of wealth management and financial planning services that I offer.
Below is a short biography for each of our colleagues together with their contact telephone number.
As a Director with Face 2 Face Financial Planning and Mortgage Solutions, I am committed to delivering better value and choice for my clients, working with them in a very modern way that is easy to understand.
With over 20 years of experience in Wealth Management and Retirement Planning, I have developed many lifelong relationships with clients, helping them to secure their financial futures for themselves and their families through the breadth of wealth management and financial planning services that I offer.
This section contains miscellaneous & general financial information that you may find useful when dealing with certain life events.
This document contains a short explanation of Capital Gains Tax, the allowances available in the 2021/22 tax year, and how you can use it in your year end tax planning.
Civil partnerships in the United Kingdom, granted under the Civil Partnership Act 2004, allow same-sex couples to obtain essentially the same rights and responsibilities as marriage.
Designed to be very much equivalent to marriage for same sex couples, a civil partnership carries both rights and responsibilities, in very broad terms, attracting the same legal and tax protections/advantages/disadvantages as a traditional marriage.
This document contains a short explanation of Capital Gains Tax, the allowances available in the 2021/22 tax year, and how you can use it in your year end tax planning.
Civil partnerships in the United Kingdom, granted under the Civil Partnership Act 2004, allow same-sex couples to obtain essentially the same rights and responsibilities as marriage.
Designed to be very much equivalent to marriage for same sex couples, a civil partnership carries both rights and responsibilities, in very broad terms, attracting the same legal and tax protections/advantages/disadvantages as a traditional marriage.
Investing money needs careful consideration and you need to be absolutely sure of the risks involved.
This section provides generic information on different types of saving & investment.
You should seek advice appropriate to your specific circumstances prior to making any decisions.
The value of investments and the income they produce can fall as well as rise.
You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.
Investors do not pay any personal tax on income or gains, but ISAs do pay tax on income from stocks and shares within the funds.
This section provides generic information on different types of saving & investment.
You should seek advice appropriate to your specific circumstances prior to making any decisions.
The value of investments and the income they produce can fall as well as rise.
You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.
Investors do not pay any personal tax on income or gains, but ISAs do pay tax on income from stocks and shares within the funds.
Not only do you need to consider which mortgage is most suitable for your current needs and circumstances, you also need to think about which interest rate options are most likely to suit your needs.
This section has information on the various types of mortgage product which are available.
Buy to let mortgages are not regulated by the Financial Conduct Authority.
Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.
This section has information on the various types of mortgage product which are available.
Buy to let mortgages are not regulated by the Financial Conduct Authority.
Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.
These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.
It's important to plan ahead for your retirement.
Here, we explain why pension planning is so critical, and describe some of the options available to you.
This information is intended only as guidance.
For advice on your specific circumstances, please get in touch.
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide.
However, it's unlikely that they will continue to account for as high a proportion of retirement income products as they have in the past.
Here, we explain why pension planning is so critical, and describe some of the options available to you.
This information is intended only as guidance.
For advice on your specific circumstances, please get in touch.
Annuities are historically the most popular option in retirement, with a great many looking for the security that they provide.
However, it's unlikely that they will continue to account for as high a proportion of retirement income products as they have in the past.
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