Financial Services Arranged Via Omega Wealth & Finance 

Are you hiding from the financial truth?  
Are you a member of ‘the savings gap’ club ? 
Are you one of the large number of people in the UK who have no savings whatsoever?  
Are you one of the millions of people not paying into any form of pension? 
All recent financial research confirms the horrible truth that a large proportion of people are failing to plan adequately for their futures and an increasing number of people are heading for financial meltdown as a consequence of not planning at all. 
Not having any spare money is the excuse most people put forward for failing to save, but you could put this another way and say that this is a sign that they are currently living beyond their means and are spending too much! 
We all want the best life we can, but the good times will end if you fail to plan your finances and do not set something aside.  
Depending purely on the state pension will leave you with severely limited financial options and a corresponding lifestyle. Is that what you want for your retirement? 
Failing to plan for your future is becoming an ever more dangerous strategy, as state retirement ages increase and peoples expectations from life expand. 
Depending purely on the state pension will leave you with severely limited financial options and a corresponding lifestyle. Is that what you want for your retirement? 
But, it isn’t just your retirement you need to focus on – it’s also the decades ‘in between’. 
It’s an increasingly rare person who enjoys an uninterrupted career from the school gate to the receipt of their pension, and there are an increasing number of people who are effectively forced to ‘retire’ early as they come out of work in middle age. 
Without something ‘behind’ them in the form of savings, adapting to life with very little income comes as a very sharp lesson indeed and is very difficult to escape from once you become ensnared. Many pople have discovered this, to their great discomfort, during the Covid pandemic. 
If you’re starting to feel uneasy whilst reading this, it’s not too late to change your course and achieve a better balance in your current and future planning. 
An independent financial adviser can help you to re-appraise your financial life, help you avoid haemorrhaging money, set up simple savings habits and implement protection programmes that put you back in charge of your destiny. 
Omega Wealth & Finance have a presence within our Cottingham office, but will also see you in your home if you prefer. 
They can help you with a variety of financial arrangements including: 
Lump sum and regular savings schemes - such as ISAs - help with investing new money or reviewing existing investments 
Setting up a new personal pension plan - including Self Invested Personal Pensions 
Reviewing your existing pension arrangements 
The various ways of taking retirement benefits – such as Flexible Access Drawdown (FAD) and annuities 
The protection of your mortgage and family with life assurance and critical illness cover. 
The protection of your family's lifestyle in the event of your death - or, if applicable, your partner. 
The protection of your income in the event of long term illness or incapacity 
A mortgage for your next property or a re-mortgage for your existing one* 
* Your home may be repossessed if you do not keep up repayments on a mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but we estimate that it will be £300. Omega Wealth & Finance is a Credit Broker and not a lender and any fees are charged solely for Credit Broking Services, not lending services. 
For further details of how to link up with an independent financial adviser, locally, please contact any one of Hedon Insurance’s offices 
Omega Wealth & Finance is a trading name of Sandringham Financial Partners Ltd (“Sandringham”) which is authorised and regulated by the Financial Conduct Authority. FCA Number: 581304. Registered Office : 5th Floor, 30 Market Street, Huddersfield, HD1 2HG. 
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