Services

T&R provides financial advice across a wide range of services. With its wealth of experience from industry trained Consultants, backed up by a highly qualified team of administrative staff, we are able to offer clients a professional approach to meet their requirements.

We benefit from offices based in the centre of Lincoln. With the use of up to date technology, we are able to offer a fast and efficient service in all areas of our business.

Pensions
We can advise on the use of pensions, providing a tax efficient way to save for retirement, whilst at the same time, ensuring individual investment strategies are met. We advise on all aspects of retirement planning. With our qualified administrative team providing technical back up, our aim is to provide first class levels of advice required by individual and corporate clients in the ever-changing world of pension’s legislation.

We constantly review our clients’ planning for the future and work towards improving the pension arrangements that are already established.

Investments
Advising on Investments is about formulating a plan for the individual, built around attitude to investment risk, tax position and financial objectives for the future.

This area of advice can be confusing and we aim to work closely with clients not just in giving the initial advice, but also ongoing for the future. As part of the service we offer, our Consultants provide regular reviews, and ways of improving investment performance to meet client’s expectations.

Please note that the value of investments and any income from them may go down as well as up and that you may get back less than the value of your investment.

Mortgages
Mortgages can be one of the most important financial decisions taken. Our Consultants are industry trained, having all worked many years in either Building Societies or Banks. They are professionally qualified and are held in high respect with solicitors, accountants and other introducers.

We offer advice on mortgages across the “whole of market”, and we aim to find a mortgage solution to all enquiries we receive.

We use the most advanced technology to support our advice, and have the use of convenient city centre offices to meet clients at their convenience.

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

Commercial Finance
We aim to provide a unique service in assisting clients through the process of acquiring commercial property, expansion of the business and purchasing going concerns or start-ups. We act for businesses in raising finance and work in partnership with established professionals such as Accountants and Solicitors to provide the best financial package.

We also are particularly interested in assisting clients who need asset finance for plant machinery and equipment, as well as car finance, and where traditional methods of borrowing are limited, we have built excellent relationships with invoice discounting and factoring institutions.

It may be however, that business clients are simply looking for a better deal all round – an overall review of the businesses financial circumstances to achieve better value for money.

Not regulated by the Financial Services Authority, and consequently not covered by either the Financial Ombudsman Service or the Financial Services Compensation Scheme.

Protection
Both individual and corporate clients benefit from advice on life protection. We look at the financial implications of illness, injury or death, of private individuals or key people within a business, and provide solutions to help reduce the possible financial impact.

We include effective tax planning, particularly with regard to inheritance tax, by the use of wills and trusts. We work closely with solicitors to meet client’s wishes in the event of their death.