Our Services

In this current economic climate, it is more important than ever to ensure that you monitor your financial situation. With so many areas to assess such as Savings, Mortgages, Pension Planning & Investments, many people find it beneficial to have these essential financial areas reviewed on a regular face to face basis, in the comfort of their own home, with someone they can trust. This is where we can help you.

The biggest advantage to a client who is dealing with Vale is the fact that we are Independent Financial Advisors and thus the client will be receiving unbiased advice along with a product that has been selected from the entire market.

This differs when compared to Bank or Building Society staff who may only be able to provide products, such as Pensions or Mortgages, from their own range or from a limited number of provider ranges.

  • Retirement Planning:

    After you've retired you'll still need an income. A pension can provide you with that. The state pension provides some level of income, but if you're looking for more than that you might need another pension of your own. A Pension is a tax-efficient investment, meaning when you make a contribution you receive tax relief at your current rate - no other investment offers this advantage.

  • At Retirement:

    Deciding how exactly you should draw your benefits from your pensions is a daunting task and one that shouldn't be taken lightly. We will ensure you are spending your retirement provision in the correct order, as tax efficiently as possible.

  • Savings and Investments:

    Whether savings for the short, medium or long term, we can help you to realise your long term investment goals. Whenever we invest for clients we ensure we understand what the money is for and what level of risk you wish to take with the funds.
  • Mortgages:

    Buying your first home? Remortgaging for a better deal or to release funds for home improvements? Looking for investment with a Buy to Let property? We can assist with these and many other situations. We hold your hand through the entire process and ensure you get the best deal possible.
  • Estate Planning:

    Why give more tax than you need to? Without proper estate planning, individuals can end up leaving a substantial tax liability on their death, reducing the value of the estate they pass on to their beneficiaries. At Vale Insurance we offer a range of solutions to help reduce or cover any likely Inheritance Tax but still give you a degree of control of your assets.
  • Equity Release:

    Many people in the UK don't have as much money in retirement as they would like, but could well be sitting on hundreds of thousands of pounds of equity in their own home. We can advise on how best to release this so that your retirement goals can be met.
  • Protection:

    The UK is renowned for being underinsured. We help our clients gain peace of mind by ensuring they are well covered in the event of serious illness and death.

Our Advice Process

The financial planning process would start with an initial meeting either at our client's home, place of work or Vale's offices in Market Street Altrincham. There would be no charge for this initial consultation, which is essential to allow us to gather the relevant information to form a firm basis for the advice being sought.

Normally at this point, an agreement may be reached regarding our remuneration i.e. by fee, commission, or a combination, for the work we are about to undertake. If it is complex we may need to write to you when we have a clearer idea of what the cost is likely to be. No fee-generating work would be undertaken without your prior agreement.

We would analyse this information to clearly define a client's aims and objectives and create a formula for meeting those. Research of the various companies in the marketplace and a recommendation of the most suitable products would then be incorporated into our written report, which may be dispatched by post or presented in person at a second or subsequent appointment.

When a client is satisfied that this accurately meets their criteria we would prepare the relevant application paperwork for completion at a second or subsequent meeting.

Your Vale consultant would conduct this process personally from start to finish, involving colleagues with specialist knowledge in specific areas if required.

  • Telephone:

    0161 941 5972
  • Address:

    Vale Insurances Services Ltd
    22-24 Market Street
    WA14 1PF
Vale Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority. Registered Address: 22-24 Market Street, Altrincham, Cheshire, WA14 1PF. Tel: 0161 941 5972