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Copyright 2017 - JPM Group

Financial Services

At JPM, our purpose is to work in partnership with our customers, providing the most appropriate solutions for their individual and business needs. This is done with the highest level of service, delivering effective and efficient financial services that exceed customer expectations. We believe that Treating Customers Fairly is about delivering fair outcomes to our customers whilst offering first class business service.

 

JPM are governed and regulated directly by the Financial Conduct Authority. We offer a complete range of Independent Financial Advice and believe in a holistic approach to servicing our customers.

 

Our WRAP Platform allows us to collate all our clients’ investments in one place and offers clients Personal Pensions, ISA’s, Unit Trusts, Investment Bonds and Shares. To compliment this we run a number of Model Portfolios constructed and reviewed quarterly by Morning Star to cater for all levels of risk.

 

At JPM we have a bespoke service to deal with your Auto Enrolment requirements and can offer Corporate Solutions such as Private Healthcare, Group Life and Group Income Protection.

 

In addition, we offer the complete suite of protection polices to cover both clients, families and businesses. These range from Basic Life Cover to Relevant Life Assurance and Critical Illness Policies. We also specialise in Commercial Property purchase via Pension Schemes.


 

 

 

There are many different Financial Services available at JPM. Here are some of the areas which JPM specialise in:





























 

Flexible Pensions & Retirement Planning

A pension allows you to build up a sum of money, in a tax efficient way, which will be used to provide an income for your retirement, with the option to take part of your plan value as a tax free cash sum. It is a very complex arena with numerous matters to discuss.

 

JPM will complete a full fact find around your requirements for taking income at and around retirement.

 

Our clients save all their working life and it is important for them to make the correct decisions when it comes to their retirement. We have the experience to provide the target income required in the most tax efficient way. Potentially saving both income tax on their retirement income and inheritance tax on their assets.

 

With the changes to pension legislation, there is no longer a need to purchase an annuity, and income can be taken when and how a client may require. Tax saving incentives can be maximised and pension benefits passed to beneficiaries, outside of the members’ estate.

 

JPM is well placed to advise and support the needs of the individual and their dependants.

 

We provide advice on:

 

  • Commencing a New Pension
  • Drawdown
  • Carrying out Pension Reviews
  • Annuities
  • Pension Switches
  • Alternative Retirement Options

 

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Commercial Property via Pensions

This has become increasingly popular, clients can use their pension funds to either buy their own commercial buildings or new buildings which offers benefits for both the pension scheme and their company.

 

With the new flexible pension, this reduces the requirements for commercial property to be sold at or close to retirement.

 

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WRAP Investments

This allows clients to keep and maintain all their major investments within one platform, therefore eradicating the frustration of having to keep track of all these investments individually.

 

We can work with the client to target benefits and retirement income.

 

JPM currently run three platforms:

 

  • Zurich
  • Standard Life
  • Nucleus

Types of investments held:

 

  • Pensions – pre and post retirement
  • Shares
  • Unit Trusts
  • Property via a SIPP
  • ISA’s
  • Investing Lump Sums

 

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Life / Critical Illness

Ensuring adequate protection in the event of death is an important consideration particularly when seeking to protect dependents from the resulting consequences and liabilities such as mortgage and inheritance tax.

 

We can also insure against a critical illness, this cover – sometimes referred to as ‘Living Insurance’, can pay the insured a lump sum upon the diagnosis of specified critical illness such as Stroke, Heart Attack and some Cancers.

 

A relatively new form of cover called Relevant Life Assurance allows the company directors to establish life cover through the company where the main features are:

 

  • Premiums can be paid by the company
  • These premiums are not charged as P11d benefits to the employees

At JPM we can offer independent advice on the different products available to achieve peace of mind.

 

JPM can help with:

  • Life & Critical Illness Cover
  • Mortgage Protection
  • Partnership & Keyman Cover
  • IHT Cover
  • Shareholder Protection
  • Relevant Life

 

 

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Private Medical Care

Ensuring employees are fit and healthy is a vital concern of all employers. Private Medical Insurance ensures that they are provided with the highest quality of care at their convenience through times of need whether it be for a curable, short term illness or injury or for something more serious.

 

Understanding the most essential cover for you or your employees can be a huge minefield which is where JPM can offer their expertise. We can advise and set up the best cover and benefits for yourself on an individual plan or for your company on a corporate scheme.

 

We have links with the top leading Healthcare providers in the UK, enabling us to put you with the provider that best caters for your needs.

 

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Income Protection

Under an income protection plan, an income benefit would be paid to you if you were unable to work because of disability caused by sickness or accident. The benefit is paid, basically, as compensation for loss of earnings.

 

Benefit will normally start at the end of an initial waiting period, which is normally 4, 13, 26 or 52 weeks long and is payable until you either return to work, die or the policy term expires. The policy term is normally linked to your expected retirement age.

 

At JPM we are able to custom build cover to suit all client’s circumstances.

 

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Employee Benefits

Employers are always conscious of the need to both attract and retain high quality people. An attractive employee benefit programme is an excellent way of achieving this.

 

We can offer tailored advice on individual or group benefits that include:

 

  • Pensions
  • Critical Illness
  • Private Healthcare
  • Death in Service
  • Group Income Protection
 

 

At JPM we can offer independent advice on the different products available to providing your employees with peace of mind.

 

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If you have any enquires relating to JPM’s Financial Services, Please call us on 0121 270 4800
or alternatively contact us

ADDRESS

Head Office:
JPM House | Coombs Wood Court | Steel Park Road
Halesowen | West Midlands | United Kingdom | B62 8BF
Worcester:
JPM House | 3 The Avenue | The Cross
Worcester | WR1 3QA

Tel: 0121 270 4800
Fax: 0121 270 4801

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JBW (Halesowen) Ltd T/A JPM is authorised and regulated by the Financial Conduct Authority (FCA) 445837.