Our services

Hereford Pension Investment & Mortgage Centre LLP is able to act on your behalf in advising you on investments and non-investment insurance contracts. We offer products and services as follows:

  • Pensions – we offer a restricted advice service.
  • Investments - we offer a restricted advice service. We will recommend investments from the whole of the market but do not currently advise on specific types of investment i.e. unregulated collectives and structured products. You may ask us for a list of the types of products we advise on.
  • Non-investment protection contracts - we offer non-investment protection products e.g. term assurance, income protection and critical illness from a range of insurers.
  • Mortgage Advice - We advise on mortgage products from the whole of the market. This means that we source the recommended mortgage from the range of mortgages available to “intermediary” firms. Certain lenders may offer products directly to the public, rather than via an intermediary firm, with more favourable terms. 

We will provide you with a separate ’Key Facts about our services’ document detailing the services we offer and the costs of those services. 

We offer you an initial discussion (without charge) at which we will describe our services more fully and explain the payment options. If you decide to go ahead, we will:

  • Gather and analyse personal and financial information about you and your needs and objectives;
  • Ascertain your investment knowledge, attitude and tolerance towards investment risk;
  • Recommend an asset allocation model that matches your investment risk profile and the subsequent assessment and suitability of any existing investments;
  • Analyse and design your investment strategy
  • Recommend and discuss any action we think you should take and, with your agreement, arrange relevant solutions for you.

Contact us to arrange a no-obligation consultation.