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Client Testimonials
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Ian, Merseyside - November 2019
Allie and I spoke at length about my SIIP, company pension etc. Allie didn’t sway me away from how I invested and do something else instead. I really felt she was thinking of my personal interests. I feel I’m on the right track and I have taken her advice on setting up a will.
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Lindsay, Merseyside - November 2019
Allie got us a fantastic mortgage and explained all aspects of the deal. The flexibility of the mortgage was really important to us as we were keen to over pay. Allie is thorough, knowledgeable and very easy to deal with, we have been very happy with her services.
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Janet, Cornwall - November 2019
Allie helped with every aspect and gave sound advice regarding investment and mortgages.
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Jill, Merseyside - November 2019
Allie actually visited us at our home address and fully assessed our needs then conducted a risk assessment on both of us to see how it might affect us on a non financial way also. I honestly can’t fault the service Allie and her staff have provided, from the minute you go in the office you are made to feel very welcome and nothing is too much trouble. I would highly recommend Allison’s financial services.
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Sue, Cheshire - November 2019
Allie listened to my concerns and advised in the best possible way where my divorce settlement pension and my own pensions would work best for me. I am financial better off now than when I worked. Allie truly had everything covered.
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Ann, Merseyside - November 2019
Retiring and having several pensions I wanted them to work as effectively as possible. Also advice on how to get the best return on our savings. Allie listened to us and asked pertinent questions about what was important to us.
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Robert, Merseyside - November 2019
I was coming up to retirement age and needed some expert advice on my future pension income. Allie visited my wife and I at home and we discussed everything regarding our finances. She took all our details away and returned with several plans for our future income and wellbeing. I cannot speak highly enough about Allie's friendly personality and totally professional attitude.
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Tessa, Devon - November 2019
Allie has been advising me on numerous areas since I purchased my very first home back in 2004. Allie takes the time to run through all options, there is nothing I would ask her to do differently.
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Marcus, Merseyside - January 2019
Used Allison's to help with getting a mortgage sorted for a quick turnaround, and was very happy with the results. Got multiple choices for our mortgage that were tailored to our situation, with friendly staff and quick responses, using Allison as our financial advisor was the perfect choice.
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Josh, Gloucestershire - March 2018
Sarah has been an absolutely superb financial advisor. She has been so prompt, efficient and professional and has really taken the time to give thoughtful advice. Highly recommended.
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KIMBERLEY, MERSEYSIDE – OCTOBER, 2017
It was our first mortgage and needed someone to remove the jargon and help us understand the process. As my husband was a student, our situation was a little bit more difficult than the average application and we wanted to make sure we were getting the best deal.
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PIERCE, MERSEYSIDE – JUNE, 2017
We were looking for a mortgage as first-time buyers and also to get buildings and contents insurance.
Allie and her team helped find a number of mortgage options to suit our circumstances and helped to explain each. They also helped us to find appropriate buildings and contents insurance as we exchanged. Allie also ensured that our Mortgage Decision in Principle was ready in a very short space of time so that we could have our offer considered - and that ultimately helped us secure the house.
We were delighted with the support provided and they made the whole process simple at a stressful time. -
John, Merseyside - July, 2015
I needed advice regarding long term savings / saving for retirement. Explained everything in plain English, didn't over promise and gave me a clear understanding of what I need to do to achieve my goals. An investment strategy has been put in place and I am happy with and understand the plan.
WHAT COULD THEY HAVE DONE BETTER?
I don't feel I could suggest anything else Allie could have done better, she is a pleasure to deal with and I always know where I stand.
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Marta, Lancashire - July, 2015
Looking for advise to re-mortgage. One consultation put me on the road to a much more secure financial situation. Allie was understanding, put me at ease and offered extremely professional and clear advice. The outcome of the consultation was beyond what I was looking for. I was very negative about my situation, but Allie turned that around and has given me renewed confidence, I left that office with a BIG smile on my face.
WHAT COULD THEY HAVE DONE BETTER?
I can honestly say, from the moment I walked in nothing could have been done better!!!
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Robin, Lancashire - November, 2014
Allie is very approachable and quite charming. This is supported by a sound knowledge of the subject. She shares her knowledge in a very reassuring style and has inspired great confidence in her advice. She is more than willing to come to see you at your convenience. I feel my money is safe in her hands.
WHAT COULD THEY HAVE DONE BETTER?
Difficult to see failings although during recent move of office communications were slightly delayed but that has now been resolved.
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Emily, Merseyside - November, 2014
Allie was extremely helpful and just knew exactly what we needed and what would be best for our situation. I was completely confident that Allie would carry out all our requirements. She was so helpful and never minded me continuously contacting her to clarify my understanding of any issue. Everything was delivered on time and completed on time. The after service we received was personal and made me feel a valued customer. I would recommend using Allie and will definitely be contacting her for any further financial service we need.
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Gail, Merseyside - October, 2014
I can not recommend Allie & her team highly enough..! They assisted with all aspects of our mortgage application & worked so hard to ensure we got the best one for our requirements! They took all the hassle out of what would have been a very stressful process for us. They were on hand to deal with all our queries, no matter how silly and we would have been lost without them..! They also sorted out our mortgage protection cover and home insurance..! If you are looking for financial advice of any kind, then look no further than Allie - I doubt you would find anyone better or more dedicated..!
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Sarah, Merseyside - October, 2014
Allie was recommended to us and we wish we had took her advice sooner. She helped us sort all our finances out and helped us choose the correct mortgage for us. We had policies in place for life cover etc but after speaking to Allie we changed all these to suite our needs. She was very helpful and patient with us and explained everything to ensure we understood. We are now very happy with everything we have in place because what we had was totally wrong for us and thankfully Allie reviewed everything for us.
WHAT COULD THEY HAVE DONE BETTER?
Nothing all went very smoothly
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Graham, Cheshire - October, 2014
The service that myself and my family have received over the years that we have been with Allisons Financial services have been second to none.The care and attention to detail is excellent and I would not hesitate in recommending all the services they offer.
WHAT COULD THEY HAVE DONE BETTER?
Nothing
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Sarah, Lancashire - October, 2014
Fantastic service from start to finish and everyone goes that extra mile to help. All enquiries and queries dealt with promptly and I wish we had found Allie Baglow sooner. We would definitely recommend Allie to everyone and I am sure like myself they will not be disappointed by the excellent service. All the team that work with Allie are a credit to her and In the future I will not hesitate to use Allie Baglow again.
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Al, Merseyside - October, 2014
Allie and her team handled our finances in our attempt to get a help to buy scheme mortgage. They provided one of the most professional services I or my partner have ever come across and will be happy to recommend them to anyone who is seeking financial advice. A pleasure to deal with and nothing we could ask of them was too much trouble.
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John, Cheshire - August, 2014
Allie contacted us promptly by telephone and took down the details of our query. She then responded by email and reassured us that our financial strategy was sound and that we should contact later to discuss Equity Release. This was free advice...!!!
WHAT COULD THEY HAVE DONE BETTER?
Nothing could be better.
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Joan, Cheshire - May, 2014
Never having dealt with an IFA I was a little apprehensive as the world of finance leaves me baffled, but from our first meeting Allie was very approachable and made me feel at ease. She explained everything simply and clearly and consolidated my messy finances with complete professionalism. I would highly recommend Allie and Allisons Financial Planning.
WHAT COULD THEY HAVE DONE BETTER?
Nothing
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Christine, Devon - May, 2014
Allie has always been very patient and helpful to me. She understands my situation and never tries to push me to take any steps I am not completely happy with. I am only a small investor but she treats me like a personal friend and seems as pleased to act for me as I would expect an adviser to be for someone investing millions! Everything is clearly explained and Allie is always happy to answer any queries I may have, however trivial they may be. I understand she monitors the markets constantly and I believe she really knows her field and works hard for her clients.
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Roger, Cheshire - May, 2014
Allie has the expertise and knowledge to listen to what you you want from your pension pot. Then she will put forward several options and ask you to decide which one or more than one, you feel is right for you. She then explains each in great detail so that you can reconsider or go with your first option. Each option is carefully formatted so as to be understood by anyone whether extremely well educated or like me a school leaver at fifteen. You are able to make an informed decision by using Allie's guidance and opinion but without being channelled down one road or the other.
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Amy, Staffordshire - May, 2014
Allie keeps me up to date with all the latest mortgage news and replies promptly to my questions. She has helped me every step of the way by re-assuring and going through all of the available options.
WHAT COULD THEY HAVE DONE BETTER?
To be honest, nothing! I would highly recommend her.
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Ian, Flintshire - May, 2014
Excellent service all round, helped get everything sorted.
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Chris, Cheshire - March, 2014
I cannot speak highly enough about the service I was given not only by Allie herself but by Helen and Sam her two highly efficient and friendly assistants. I have known Allie for years and yet again she made the whole process of sorting out my mortgage and life assurance so straightforward and easy. The team kept me up to date and took away all the stress!!I always recommend Allie to any of my friends who need someone to help them find their way through the financial maze .... she makes it all so easy. Thanks Allie
WHAT COULD THEY HAVE DONE BETTER?
I cannot think of anything she could do better
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Amy, Staffordshire - March, 2014
Thanks to Allie for advising me of my options. She was fantastic at explaining things and keeping me up to date.
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Gavin, Cheshire - February, 2014
Allie has been supporting us for many years and we have total confidence and trust in her guidance and advice. Her friendly and patient approach makes her the perfect advisor. Would be lost without her! Highly recommended.
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Dave, Merseyside - January, 2014
Very organised and straight to the point and always makes me feel reassured with her advice. Very much recommended.
WHAT COULD THEY HAVE DONE BETTER?
Nothing at all.
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State Pension
(Please note – this is for information only and does not constitute advice. This is a potentially complex area and for further information or to obtain a State Pension statement please visit the government website at https://www.gov.uk/browse/working/state-pension)
About the state pension
A State Pension is a regular payment made by the government to people who have paid or been credited with Class 1, 2 or 3 National Insurance Contributions and have reached State Pension age.
State Pension Age
The State Pension age is now the same for men and women and is gradually increasing from 65 in November 2018 to 66 by October 2020. It will increase again to age 67 between 2026 and 2028.
Under the current law, the State Pension age is due to increase to 68 between 2044 and 2046. However, the Pensions Act 2014 provides for reviews of the State Pension age at least once every 5 years, taking into account a range of factors that are relevant to setting the pension age, one of which will be changes in the life expectancy of the population. Following a review in 2017, the government announced plans to bring this timetable forward, increasing the State Pension age to 68 between 2037 and 2039. At present, this is the government’s intention, and will need to be voted into law.
The State Pension is paid whether the claimant is working or not and is paid regardless of any income and/or existing savings or capital the claimant may have.
Claiming the State Pension
The State Pension must be claimed — it is not paid automatically. The claim can be made online, by calling 0800 731 78098 or by downloading a form and sending it to a pension centre. N.B. Different arrangements apply in Northern Ireland.
Payment frequency
The State Pension is usually paid every 4 weeks, in arrears, directly into the claimant’s bank or building society account.
Working beyond State Pension age
The State Pension can be claimed even if the individual chooses to work beyond State Pension age.
The State Pension may be taxable
The State Pension is considered part of the recipient’s earnings and may be subject to income tax.
Postponing the State Pension
It is not compulsory to claim the basic State Pension at State Pension age — it can be deferred until the claimant chooses to receive it. In return for ‘postponing’ his or her claim (and providing the claimant lives in the EU, European Economic Area, Gibraltar, Switzerland or any country the UK has a social security agreement with) the pension payment will increase by 1% for every 9 weeks it is deferred.
Claiming the State Pension while living overseas
Although the State Pension can be claimed while living outside of the UK, it will only be increased each year if the claimant lives in the EEA, Switzerland or in a country which has a social security agreement with the UK.
Basic State Pension on death
Any surviving spouse or civil partner that is over State Pension age and not already receiving the maximum payment may be able to increase their State Pension by using the deceased’s qualifying years. If the spouse or civil partner is under State Pension age, any State Pension based on the deceased’s qualifying years will be included when he or she claims their own State Pension.
There are currently two State Pension systems — each system has different rules.
The State Pension for individuals reaching State Pension age prior to 5 April 2016 ('old' State Pension).
This summary applies only to women born before 6 April 1953 and men born before 6 April 1951. Different rules and benefits may apply for people living in the Isle of Man, Northern Ireland and abroad.
Maximum payment
For the financial year 2020/2021, the full rate of benefit for women born before 6 April 1953 and men born before 6 April 1951, is £134.25 per week.
The payment is increased every year by whichever of the following three percentages is the highest:
- the average percentage growth in wages in Great Britain
- the percentage growth in the Consumer Price Index
- 2.5%
National Insurance Contribution record
The amount of State Pension a person receives is based on the total number of annual National Insurance Contributions (NICs) paid in the UK by him or her prior to reaching their State Pension age.
To be entitled to the full State Pension, it is necessary to have 30 ‘qualifying years’ of NICs or credits. A qualifying year is a tax year in which the claimant has paid or been treated as having paid or has been credited with sufficient NICs to make that year qualify in State Pension calculation terms.
Each qualifying year entitles the claimant to 1/30 of the full State Pension.
If there are ‘gaps’ in his or her NIC record, the claimant will get less than the full amount of £134.25 a week. NIC gaps can be caused by being employed but with low earnings, being unemployed but not claiming benefits, caring for someone full time, being self-employed and choosing not to pay NICs, or living abroad.
Bridging the contribution gap
Depending on the claimant’s age, it may be possible to pay voluntary NICs to bridge some or all of the gaps in his or her National Insurance record over the past 6 years or beyond.
The new State Pension (for individuals reaching State Pension age after 5 April 2016)
This summary applies only to women born on or after 6 April 1953 and men born on or after 6 April 1951. For individuals who are already claiming a State Pension, or reached State Pension age before 6 April 2016, the old State Pension rules apply. Different rules and benefits may apply for people living in the Isle of Man, Northern Ireland and abroad.
Maximum payment
For the financial year 2020/2021, the full rate of benefit for people reaching State Pension age, on or after 6 April 2016, is £175.20 per week.
Unlike the old State Pension, the new State Pension will not be subject to additional pension-related benefits, such as the State Second Pension (S2P) and the State Earnings Related Pensions Scheme (SERPS). The new State Pension will instead provide a single tier of benefit.
The payment is increased every year by whichever of the following three percentages is the highest:
- the average percentage growth in wages in Great Britain
- the percentage growth in the Consumer Price Index
- 2.5%
National Insurance Contribution record
The amount of State Pension a person receives is based on the total number of annual National Insurance Contributions paid in the UK by him or her prior to reaching their State Pension age.
To be entitled to the full State Pension, it is necessary to have 35 ‘qualifying years’ of National Insurance Contributions (NICs) or credits. A qualifying year is a tax year in which the claimant has paid or been treated as having paid or has been credited with sufficient NICs to make that year qualify in State Pension calculation terms.
Each qualifying year entitles the claimant to 1/35 of the full State Pension.
If there are ‘gaps’ in his or her NIC record, the claimant will get less than the full amount of £175.20 a week. NIC gaps can be caused by being employed but with low earnings, being unemployed but not claiming benefits, caring for someone full time, being self-employed and choosing not to pay NICs, or living abroad.
Bridging the contributions gap
Depending on the claimant’s age, it may be possible to pay voluntary NICs to bridge some or all of the gaps in his or her National Insurance record over the past 6 years or beyond.
National Insurance Contributions made before 6 April 2016
The claimant’s National Insurance record before 6 April 2016 is used to calculate a ‘starting amount’ for their pensions. The starting amount will be the higher of the amount he or she would get under the old State Pension rules (less any Additional State Pension) or the amount they would get if the new State Pension had been in place at the start of their working life. If the starting amount is less than the full new State Pension, the claimant is allowed to add more qualifying years to their National Insurance record.
National Insurance contributions made after 6 April 2016
Individuals starting to make NICs from 6 April 2016 onwards, will need 35 years of NICs or credits to claim the full amount of state pension. Those with 10 - 34 years of contributions will receive a proportion of the full State Pension and anyone with less than 10 years of contributions will not be entitled to any amount of State Pension.
INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.
Other Areas of Expertise
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Wealth Management
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
... Read more -
Savings & Investments
When someone talks about savings and saving money, it could be referring to a piggy bank or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
... Read more -
Pensions
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance
... Read more
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Mortgages
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs
... Read more -
Life Assurance
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you.
... Read more -
Household Insurance
There are two types of household insurance - buildings and contents. They are separate entities and you can either search for two individual policies, or buy them as a joint policy from one source, which is a
... Read more
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Health Insurance
Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.
... Read more -
Financial Planning
Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions
... Read more -
Business Insurance
All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.
... Read more
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London Stock Exchange
Value | Move | % |
FTSE 100 | ||
6695.07 | -20.35 ![]() |
-0.303 ![]() |
FTSE 250 | ||
20596.91 | -196.811 ![]() |
-0.946 ![]() |
FTSE 350 | ||
3811.25 | -15.97 ![]() |
-0.417 ![]() |
FTSE All Shares | ||
3786.06 | -16.24 ![]() |
-0.427 ![]() |
Dow Jones | ||
30996.98 | -179.029 ![]() |
-0.574 ![]() |
Nasdaq | ||
13543.062 | 12.146 ![]() |
0.09 ![]() |
Currencies
Value | Move | % |
GBP/EUR | ||
1.1236 | -0.0045000315 ![]() |
-0.39890358 ![]() |
GBP/NOK | ||
11.6274 | 0.08082008 ![]() |
0.69994825 ![]() |
GBP/SEK | ||
11.3471 | -0.011199951 ![]() |
-0.09860587 ![]() |
GBP/USD | ||
1.368457 | -0.0045847893 ![]() |
-0.33390832 ![]() |
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Biggest Movers
Value | Move | % |
Informa | ||
558.0000 | +95.6 ![]() |
+20.67 ![]() |
Taylor Wimpey | ||
157.8 | -11.35 ![]() |
-6.71 ![]() |
Allisons Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. Allisons Financial Planning Ltd is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference 808678. Registered in England and Wales.
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK,
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Contact Details
Allisons Financial Planning Limited
The School House
3 Cross Pit Lane
Rainford
St.Helens
Merseyside
WA11 8AH
Phone : 01744 885 555