Fraser Spy Financial Services Ltd
Fraser Spy Financial Services Ltd
Home Page
Our Services
Our People
Client Links
Contact Us
Fraser Spy Financial Services Ltd

Fraser Spy Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register number 170969

Fraser Spy Financial Services Ltd

Our Services

Pension & Retirement Planning

In this ever-changing environment Pensions & Retirement Planning is an important and often complicated area for individuals and companies alike. Fraser Spy has considerable experience in the implementation of Pension Plans, their maintenance and improvement, continuing through to eventual uplift of the pension and cash benefits. Gordon Spy holds the highly regarded G60 professional qualification which allows him to provide advice in the most complex pension areas.

The introduction of Government legislation revolving around Stakeholder Plans and the various options on retirement make this a primary area of business and warrants the professional guidance offered by Fraser Spy.

Increasingly, it has become essential that pension advisers react and implement opportunities that are often missed by individual clients or even companies.

The delivery of information on changes, which may affect clients, must be rapidly available via computer or hardcopy in order that opportunities can be maximised.

University Superannuation Scheme (USS)

Gordon Spy is one of only a few individuals recommended, by the USS, to give advice to members in this highly technical and important area.

Investment Planning

Investment planning can take many forms, from the modest to the most elaborate. Fraser Spy can provide advice on all sectors of the investment market.

Particular pride is taken in being able to ensure that selected products match the risk profile of any individual or corporate client. Suitable regard is taken to maximise the advantages of both tax efficiency and many other beneficial elements when making recommendations.

The varied nature of individual investment portfolios ensure that we undertake a regular appraisal of the many types of existing and new products to reassure clients that they will be made aware of changes and developments that may affect them in the future.

Savings Plans

Various savings vehicles for future requirements such as children’s education, wedding expenses or deposit on a first home.

Life Assurance

Term Assurance, Whole of Life, Family Protection or Mortgage/Loan Protection.

Inheritance Tax (IHT) Planning

Arrangements which will minimise any possible IHT liability and preserve capital for future generations. (Not all inheritance tax planning is regulated by the Financial Conduct Authority.)

Income Protection

Replacement Income in the event of sickness or accident.

Critical Illness Protection

Provides a Cash Lump Sum on the diagnosis of a qualifying illness.

Business & Keyperson Protection

To protect a business from the effects of losing a Key Director or Key Employee through death or illness.

Annuities

A capital investment to purchase a guaranteed income.


Registered in Scotland No. SC152046 Registered Office: 180 Hope Street, Glasgow G2 2UE