Devine Financial Management Ltd Southend on Sea - Products

Auto-enrolment services Group Life (Death in Service), Group Income Protection, Group Private Medical, Key Man

Advice on the appropriate levels and type of cover to take out Life and life / critical illness cover on level, increasing and decreasing terms Income Protection

Advice on Gifting, family trusts, use of investment bonds, niche products, underlying investments Appropriate use of Trusts: Discounted Gift Trust, Gift, Loan Trust, Discretionary and Absolute Advice on maintaining access to capital at specified intervals (niche products) Tax and cash flow planning

NISAs / ISAs and other Collective Investments: OEICs and Unit Trusts Risk-rated, multi-asset, multi-manager Onshore and offshore investment bonds Investment Trusts and Exchange Traded Funds (ETFs) Structured Products Venture Capital Trusts (VCTs

Retirement planning: Advice on accumulation of funds / appropriate types of pension contracts Pension investment - ongoing advice Close to /at Retirement - advice on retirement choices: Tax planning, income drawdown, annuity