Charles Derby Group is a national planning business with over 400 financial advisers throughout the UK, offering advice across the full spectrum of financial services. We pride ourselves on service, and aim to be recognised as one of the very best advisory businesses in the industry. We believe in a personal face to face service, so wherever you live, we will provide you with a local adviser.

All our advisers are appropriately qualified, and are kept abreast of market changes through a comprehensive training and competence scheme. We always aim to meet or improve on the highest professional standards.

Our Senior Management team has an average of over 25 years’ experience in the industry. So in addition to the skills and competency of our advisers, you can rest assured knowing that our company has the depth of experience and knowledge to provide the best services to our clients. We pride ourselves on providing an ongoing service, and always aim to maintain long term relationships with our clients. This commitment provides the security and continuity needed to help our clients set and review plans with confidence.

Charles Derby has the support of one of the UK’s biggest Financial  Advisory Networks – Intrinsic Financial Services. Our membership of Intrinsic provides a wide range of client benefits, including cost efficiency through the centralisation of resources.

(Will Writing is not part of the Intrinsic Financial Services offering, and therefore Intrinsic Financial Services accept no responsibility for these aspects of Just Wills business).

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Working in partnership with Age Partnership.

Due to a variety of circumstances, in the past few years we have seen year-on-year growth throughout the equity release/life time mortgage market.

There are several reasons as to why customers use equity release as their retirement finance option. In recent years the following circumstances have fuelled the demand.

Interest only mortgages – We are working with several introducers and building societies helping clients on their base, find a solution to service their Interest only mortgage. Customers are finding that they are coming to the end of their mortgage term with no repayment vehicle. Releasing funds from their home can be the answer to avoid customers losing their home.

Insufficient funds for retirement – Thanks to amazing technological advances, as a whole the population in the UK are living longer. Customers want to travel the world, do up their houses, maybe purchase a new car etc. But it’s not their health stopping these things from happening. It’s the fact that they don’t have the funds readily available to meet these goals.

Helping children onto the property ladder – Being able to afford their own house is becoming increasingly difficult for the ‘Millennials’. Deposits, house prices and the cost of just renting accommodation is raising. Many rely on the support from the ‘Bank of Mum and Dad’ which lent/gifted around £6bn in 2017 alone.

At the beginning of the year, the Equity Release Council revealed that 2017 reached new lending records with customers releasing £3.06bn from their homes.

Age Partnership is one of the UK’s leading later life leading experts, specialing in equity release.

By choosing to work with us, you will be giving your clients access not only to equity release advice, but to a wide variety of retirement financial solutions, ensuring the outcome is tailored specifically towards their needs.

If you’d like to find out how we can support you and your clients, please call us on Freephone 0330 159 9122 or email [email protected]

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Just Wills and Legal Services pride themselves on securing a future for our clients and their loved ones. That’s why we’ve teamed up with the independent mortgage experts at John Charcol to offer you access to the best advice when arranging a mortgage.

Established in 1974, John Charcol are the UK’s original independent mortgage expert. With over 40 years’ experience in the industry, they understand the challenges clients face, and have the experience and expertise to help guide you through the complex process of arranging a mortgage.

At its heart, John Charcol is a people company, home to a diverse range of talented people. They have more expertise across more market segments than the majority of other brokers. They understand the intricacies of the market and have both the knowledge and experience to cover the full spectrum of their clients’ needs. From those looking to move home, remortgage or borrow more into retirement, to those looking for advice when investing in the buy to let market, advice on how you can cover a shortfall in an interest only mortgage or releasing equity to fund home improvements, or help a loved one onto the property ladder.

Their team are here to help you get the best deal so that you can live in the home that you love.

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ESMI are delighted to be given this fantastic opportunity to partner Just Wills & Legal Services. Not only do both companies provide a range of products to protect you and your loved ones, both companies strongly believe in providing the highest standard of service to their customers.

Based in the city of London, ESMI are a breath of fresh air to the insurance industry, where many products come with complicated terms, or high premiums. Many people have been declined, or restricted cover due to past or ongoing ill health. ESMI offers affordable Sick Pay, Life and Critical Illness Insurance to customers regardless of their medical history. ESMI’s aim is to make purchasing insurance clear and stress-free. Insurance is purchased online, within minutes, without having the stress of completing any medical application forms.

On top of this, every customer is given instant access to thousands of offers and discounts to UK’s biggest and favorite brands-This is a FREE rewards scheme that has recently been set up, to thank all their loyal customers for choosing to insure with ESMI. A perfect bonus for making a wise decision to protect themselves and their loved ones.

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Owned by an association of independent UK funeral directors, Golden Charter was founded in 1989 with the aim of safeguarding the future of local, often family- run businesses. They’ve been in business for over 25 years – and many of the funeral directors they work with, are also long standing with a trusted place in their communities. It’s important to everyone at Golden Charter that your family receives a genuinely personal service when it matters most. As one of the UK’s leading funeral plan providers, they work with over 3,000 independent funeral directors all over the UK, and over half a million people have already trusted Golden Charter to take care of their funeral arrangements.

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Safe Hands are one of the UK’s leading providers of funeral plans. They are almost exclusively sold through direct consultation with professional will writers, estate planners, and independent financial advisors – all of whom have been carefully trained to give advice on, and sell Safe Hands products – products that have saved bereaved families, quite literally thousands of pounds, and that could save your family thousands of pounds too! Safe Hands Funeral Plans are dedicated to ensuring customers receive the best and most accurate advice possible – and ensuring customers are matched to the plan option that most closely meets their needs.

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Just Wills & Legal Services Ltd has grown over the last year, building up solid relationships with well-known businesses. We all share one thing in common, providing our customers with expert advice and quality customer service.

Spring Chicken is a group of like-minded people, based in Oxford, building a company that will make getting older better for everybody. Life expectancy has increased by 10 years in the last 60 and they have made it their job to help everybody make the most of this amazing gift of ten more years.

They scour the world for the newest products, the latest research and the most up-to-date thinking and deliver them through their website to anybody who needs them. Their customers are mostly older people who need products or advice, but they also help the many people who care for an older person. They are fanatical about finding well-designed products that look good and work well.

Their team have decades of experience in e-commerce, product sourcing, and customer service whose job is to make life better for older people.