Contact Us

 

Omni Financial Ltd is authorised by the Financial Conduct Authority.

 

Omni Financial Limited is Registered in England and Wales under reference 05501958. Registered Office: 1 Townsend Road, Harpenden, Hertfordshire. AL5 4BQ.

 

Trading Address: 

 

Omni Financial Ltd

Unit D2, The Courtyard

Alban Park

St Albans

Hertfordshire

AL4 0LA

 

Tel:  01727 223 251

Fax: 01727 853 811

E:     guy.swinnerton@omni-financial.co.uk

 

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. 

By clicking on this link you are now departing from the regulated site of Omni Financial Ltd.  Omni Financial Ltd cannot be responsible for any content created and published solely by a third party outside our regulated site. 

Copyright Omni Financial 2019

 

Privacy Policy

 

Site designed by Created by White and managed by Barker Online Marketing

CII

Omni Financial Ltd

If you require information about the Financial Ombudsman Service you can contact them directly:

0800 0234567
www.financial-ombudsman.org.uk

After Nick divorced a few years ago, he didn’t have too many options and decided to move in with his mum while he got back on his feet. Nick’s two main priorities were to save as much as possible to get a deposit together for his own home and to make a start on being more pro-active about his plans for retirement.

 

My business is my pension – the risks

Nick owns and runs a specialist mini bus mechanics business.  Whilst it pays Nick a reasonable income, it’s unlikely to be of sufficient value to provide the income for Nick when he retires.  Many clients come to us having assumed that ‘their business would be their pension’ only to be faced with the realisation that they had put all their eggs into one basket.  Although Nick did have a pension policy in place, he knew it wouldn’t provide enough, even alongside anything he may get from selling his business, so he came to us to draw up a plan to ensure he would have the income he needed when he retired.  

 

How much is enough?

During our first meeting we discussed Nick’s personal circumstances and what he expected them to be when he retired, including his income requirements.  Nick confirmed that ideally he would like to have around £20,000 a year in today’s terms.  To his surprise, this meant he would need a pension pot of approximately £360,000.  This confirmed his fears that his existing pension provision would not generate that level of income.

We worked with Nick to establish what he could realistically afford to save every month to build up his pension pot. With a savings strategy in place, our next task was to review the pension policy he had in place and then research into the most suitable pension plan available that would meet Nick’s requirements.

 

The solution

Our recommendation was to consolidate Nick’s existing pension provisions into an Aviva Pension Portfolio, which enables Nick to have access to a wider range of funds.  This plan also enables Nick to play a more active role in his retirement planning.  By maintaining personal control over his plan, and with our ongoing support and advice, Nick now has the opportunity to achieve improved fund performance in line with his savings strategy. The plan is also flexible, meaning that as well as his regular monthly personal contributions, Nick is able to top up his funds as and when his budget allows. Most importantly, Nick knows what he’s got and what he needs, and has a plan in place to give him the best chance of being able to enjoy his retirement.

 

 

THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Case Study Four

A saving and investment strategy to

provide for Nick’s retirement income

 

 

pensions

Our Services

Our Independent Financial Advisers offer a comprehensive range of financial services, tailored to your particular requirements. Click on the images below to find out more about the services we provide. 

 

Mortgages
equiry release
IHT and wills
ISAs and Investments
cost of care
pensions

I'm a paragraph. Click here to add your own text and edit me. I’m a great place for you to tell a story and let your users know a little more about you.

Enquiry Form
Enquiry Form

Terms and Conditions

 

We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy.

 

Email communications are not secure and for this reason Omni Financial Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.