Facebook LinkedIn Twitter Login
Nov 102016
 

Mike Oliver was nominated by Haywards Heath Town Council for a Community Service Award.

The award is in recognition of his year round commitment to raising thousands of pounds for local charities.  He was presented with the award by the High Sheriff of West Sussex, Mark Spofforth OBE FCA CTA, at a special ceremony hosted by the Chairman of Mid Sussex District Council, Cllr Peter Reed.

Wealth Preservation

 

Protection from ATTACK!

WASP

 

How to preserve your wealth for future generations….

Everyone should have a Will, but 2 out of 3 people have not yet made a Will, and those that have, may not have the correct Will in place.

A few simple strategies from MOA Estate Planning Ltd could ensure the full protection of your property and investments. MOA Estate Planning Limited specialise in asset protection, using simple but effective strategies ensuring the financial security of your home, property, savings and investments.

We can arrange to visit you in the comfort of your own home to assess your current situation, answer your questions and provide peace of mind for the future. We work in association with Countrywide Tax & Trust Corporation Ltd, who are full members of the Society of Trust and Estate Practitioners (STEP).

Have you seen the cartoon on our new website? www.moaestateplanning.co.uk

Are you sure that your family will benefit totally from the inheritance you have planned?

What would happen if they were to separate or divorce?
Half of what you intend them to receive could disappear in any settlement made.

What if they inherited from you at a time in their lives when they were having financial difficulties?
Their inheritance could be lost to creditors.

Protecting your children’s inheritance
Effective ‘Bloodline Planning’ from us will ensure that your children and grandchildren are able to benefit completely from the inheritance you want them to receive.

The strategic use of trusts will remove the risks for the benefit of your loved ones after you are gone. There are a number of ways in which your home and savings are vulnerable to attack.

• Long Term Care
• Creditors & Bankruptcy
• Taxation
• Divorce or Separation

We will safeguard these hard earned assets for you and your family.

* Source: Counsel and Care

An estimated 60,000* people per year have to sell their homes to pay for Care

You can avoid having to do the same should you have to consider Long Term Care in the future.

Act now to protect the inheritance you wish to pass on to your loved ones.

How do I protect my home and assets from care costs?

Unfortunately, the costs involved in moving into a Care Home can literally wipe out your entire savings and your home may have to be sold to pay for care fees. This could mean that your loved ones could receive very little, or even nothing at all of what you originally intended them to have.

When someone enters care they are automatically “means tested” and ALL of your assets, including your home are taken into account. Only those who have very few assets will escape the costs of care.

Further planning in difficult times….

The loss of a loved one can be a very difficult and stressful time, but even at this late stage, it’s not too late to plan step by step. In association with Countrywide Tax & Trust Corporation Ltd, our qualified team offer more than just help dealing with obtaining the Grant of Probate. We can offer independent advice on the will itself and may even recommend that the Will be varied (Deed of Variation) to ensure that the assets being passed through the will to the Beneficiaries are protected from Care, further Inheritance Tax, Divorce, Creditors and Bankruptcy.

• A friendly and sympathetic team of staff will keep you informed at all stages of the process.

• Professional Advice – in association with Countrywide Tax & Trust Corporation Ltd, whose Directors are full members of the Society of Trust and Estate Practitioners (STEP).

• Initial meeting is free of charge and arranged in the comfort
of your own home.

• Fixed Fee – Unlike most Solicitors and Legal Firms, we do not charge by the hour but offer a competitive fixed fee based on the value of the estate and which is disclosed prior to any work being undertaken.

MOA Wills & Trusts Estate Planning Team

The company’s guiding principles are to be ethical, knowledgeable and professional in all dealings with its customers. The company, in association with Countrywide Tax & Trust Corporation Ltd, and its staff, are bound by and comply with the Codes of Conduct of the various professional and regulatory bodies they are members of.

Mike Oliver MD
Dulcie Brookfield, Director
We can arrange:

• Wills Trusts Lasting Powers of Attorney
• Professional Trustees Professional Executors
• Probate Service Deeds of Variation Funeral Plans
• Conveyancing Deeds of Severance Trust of Land
• Business Succession Cross Option Agreements
• Tax Advice Estate Planning Reports
• Prenuptial Agreements

dead wasp

 

MOA Estate Planning Ltd
Preserving your wealth for future generations

Selling your annuity

 

Chancellor George Osborne took the opportunity during his recent Budget announcements to unveil yet more pension freedoms, the majority of these due to take effect from April 2015.  From April 2016, the Government will allow individuals who are already in receipt of an income from an annuity to potentially trade this in for cash or to move into a more flexible income drawdown arrangement. For clarity, annuities are a form of insurance or investment allowing the payment of an income to an individual typically for the rest of their life and have previously been very inflexible.

Mr Osborne is quoted as saying that “people should have freedom to choose how they use their savings – we will give five million people access to their annuities”. The Financial Conduct Authority will be tasked with creating a regulated secondary market with further details of how this will work to be announced in due course.

This will be a very specialist area involving the giving-up of an income entitlement for a cash sum and therefore anyone considering the sale of their annuity should seek independent financial advice from a suitably qualified advisor. If you would like to discuss this in more detail, please do not hesitate to contact Mike Oliver.

First Time Buyer Help

 

Need help with your first purchase?

…….then you’ve come to the right place.

Principal: Mike Oliver, Dip PFS Cert CII(MP & EP) has 25 years industry experience as an Adviser, Area Manager, Financial Services Director and Business Owner.

An initial Consultation is totally free of charge and by using our financial adviser services we can offer a huge choice of mortgages (more than 5,000 schemes at a recent count) to suit your precise needs and we can help you quickly.  We will find you the right scheme, liaise with the lender, surveyor, estate agent and solicitor and we will update you at every stage.

Our Purchasing Your First Property Booklet (PDF)  aims to guide you through the process of buying your first home covering the following steps:

  1. Decide what type of property you’re looking for and how much you can borrow
  2. Additional costs
  3. Register with estate agents and visit properties you like
  4. Make an offer
  5. Offer accepted
  6. The best type of mortgage for you
  7. Instruct your solicitor
  8. Survey and Survey results
  9. Exchange contracts
  10. Organise your insurance policies
  11. Completion

For mortgages we charge a fee of at least £600. We will also be paid a procuration fee from the mortgage provider if one is available.

Your home or property may be repossessed if you do not keep up repayments on your mortgage and any other debt secured on it.

Later Life Advice & Asset Protection

 

REDUCING THE COST OF LONGEVITY

For Later Life and Long Term Care advice we act as introducers.

Long term care is a hot news topic at the moment, with the government looking into how much individuals should be expected to contribute towards their own care should they need it, and how much should be funded by the state or local authority. Long term care means the provision of services to help an individual, often a senior citizen, with a chronic illness or disability who cannot care for themselves or who needs some level of assistance with daily practical matters such as eating, washing and dressing. This kind of care can be given at the person’s own home or in a nursing or residential home, according to the needs of the individual.

Funding for long term care is not straightforward, and there are several different ways it can be paid for.  Depending on the type of illness and your financial situation, long term care may be completely or partly-funded by the NHS or your local authority. To make sure you qualify, your financial means will be assessed, with your income, savings, pension and value of your property all taken into account.

Should you not qualify for funding, you would currently be expected to fund long term care entirely by yourself, so it’s a good idea to think about how you would manage this. Long term care can be paid for out of your income, or assets,for example by releasing equity for your home, or selling your home. Alternatively, you may wish to protect your assets and any inheritance you would like to leave your family, by taking out long term care insurance. Talking to an IFA or financial adviser can help you plan ahead and prepare for this, and help you choose an insurance scheme which is the most cost effective for you.

With the government currently responding to the Dilnot report on reforms to the funding of adult social care, this is an area that may be subject to change over the coming months or years. Once it becomes clearer what the government’s own proposals will be, it’s highly likely that insurance companies will start to offer new schemes to help people plan and prepare for their future. Your financial adviser who specialises in long term care will be able to advise you on latest developments and what is best for you.

Home reversion plans and lifetime mortgages are complex products.  To understand the features and risks, ask for a personalised illustration.

For equity release we can be paid by commission, or a fee of usually £600 or a combination of both.

solla

For a confidential chat call Mike Oliver direct on 01444 449222

The Later Life Academy

The Society of Later Life Advisers

imagescanhpfqa

Welcome To:

 

home commercial mortgages pensions protection savings & investments wills & estate planning about us contact us Equity Release Long Term Care & Asset Protection

Guides & Information

 

Guides and InformationWant to do some research before you see us?

We have developed our own explanatory leaflets and guides, just call or email us and we will ensure you receive the latest up to date information and we are here to answer your queries.

Mike Oliver Associates are directly authorised and regulated by the Financial Conduct Authority.

Speak in confidence to us on 0845 4021757 or tell us your requirements here and we will get straight back to you.

Contact Us

 
We’re on the high street, drop in and see us….

MIKE OLIVER ASSOCIATES
55 Perrymount Road,
Haywards Heath,
West Sussex, RH16 3BN

Call: 0845 4021757 or o1444 449222
Email: advice@moaifa.co.uk

“We grow our business by referrals, 
don’t keep us a secret!”

 

Contact Us

View larger map

Mike Oliver Associates comply with
Information Commissioner’s Office (ICO) guidelines
and the Data Protection Act 1998.
Information supplied to us on the electronic form
will not be shared with third parties.

 

Or please fill out the contact form below:

Contact Us

 

Verification

 

Why choose us?

 

Mike Oliver Associates an independent advisory firm authorised and regulated by the Financial Conduct Authority.

We are a multi-award winning company, recently winning an award at the Burgess Hill Business Parks Association and were awarded Sesame ‘Firm of the Year 2012’ and Mike Oliver, was Runner-Up for ‘Independent Financial Adviser of the Year 2012’.  The citation says MOA showed a commitment to the profession, excellent client service, high compliance standards, and effective use of technology.

Dulcie Brookfield currently heads up Business Development and Operations and was a finalist ‘High Achiever’ at the Venus Awards 2013 in recognition of her part in the company’s success in forging innovative relationship strategies and service delivery to enhance the company’s private and commercial business.

We are a progressive leading firm of long established national company of Independent Financial Advisers offering a comprehensive range of financial services to private clients and commercial organisations.

Our in house team of experts specialise in a range of financial products and we offer a huge choice.  For example, we have access to over 5,000 mortgage schemes. This means we will find the most suitable product to meet your needs, whether they are immediate, medium or long term.

Call or email to tell us your needs or arrange to come and visit us. There is no charge for this initial exploratory consultation.  Next we will analyse and consider your position and then:
•    Research the market as a whole
•    Recommend the best products and providers

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

For mortgages we charge a fee of at least £600.  We will also be paid a procuration fee from the mortgage provider if one is available

Speak in confidence to us on 0845 4021757 or tell us your requirements here and we will get straight back to you.

Welcome to Mike Oliver Associates, we are a firm of Independent Financial Advisers directly authorised and regulated by the Financial Conduct Authority (FCA)

 


We’re delighted to be headline sponsors for the Business Matters Annual Awards 2017, supporting, recognising and promoting local businesses and their achievements.

We’d like to wish everyone taking part the very best of luck!

 

 

 

 

 

 

Wouldn’t it be great if I could contact an experienced

Independent Financial Adviser who is:

  • From a multi-award winning firm and respected member of the business community
  • On the high street, so that I can drop in for a chat when I want to
  • Available to call out of normal working hours, if I need to talk in confidence
  • Able to visit me at home or at my business, when it is convenient to me
  • Understanding of my budget and aspirations, but doesn’t put me under any obligation
  • Able to research the whole of the market for me
  • Able to advise me on all aspects of my finances, throughout my life
  • Able to assist with my savings, investments and taxation planning
  • Prepared to explain any fees up front and in writing, in a way I understand
  • In regular contact with me to check if there are any changes to my circumstances
  • Able to update me with the latest financial developments.

Here for me………for life

 

What is an IFA?

10 Reasons to use an Independent Financial Adviser

 

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Where you have a compliant or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details:  http://financial-ombudsman.org.uk/

The Financial Conduct Authority does not regulate taxation & trust advice, will writing, some aspects of commercial mortgages, buy to let mortgages, finance and secured loans.

We are entered on the Financial Services Register No 646955 at www.fca.org.uk/register/ and further information can be found on the FCA’s consumer website ‘The Money Advice Service’