Andrew Cairns Ltd

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Andrew Cairns Ltd Independent Financial Adviser


Protecting our homes and possessions is second nature to most of us.  We should also consider protecting our families, income and health.

We can offer advice on a wide range of products to find solutions to help you, and those you care for, weather some of life's storms. 

Life often throws up unplanned events and preparing for these can provide both peace of mind and much needed help during difficult times.

  • Life Cover
  • Critical Illness Cover
  • Income Protection
  • Family Income Benefit
  • Relevant Life Cover
  • General Insurance

Cover can be more affordable than you think so get in touch today to find out more.

Last Updated on Wednesday, 28 November 2012 10:18

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Wealth Management

Choosing the right investment manager is a vitally important decision made difficult by the vast array of different services and costs.  

We have listened to the needs of our clients and carried out extensive research in this area.  During the course of this research we discovered that there can be hidden charges and different approaches to how your money is managed.  As a result we only work with companies who have the following qualities:

  • Full transparency on charges
  • Expert professional investment team
  • Consistent performance
  • Clear investment philosophy and process
  • Committed to excellent customer service
  • Flexibility
  • Financially stable

Through combining the expertise of an independent financial adviser and a discretionary fund manager we believe we can provide you with the right services to meet your needs and circumstances. 

As independent financial advisers we are free to select from the whole of the market.  We regularly monitor the companies we use and will not hesitate to recommend alternative services if appropriate.

The value of investments and income from them may go down.  You may not get back the original amount invested.

Past performance is not a reliable indicator of future performance.

Last Updated on Wednesday, 28 November 2012 10:15

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Investment Services

There is a vast array of investment services and products in today's financial marketplace.

The key to finding the right investments for you lies in defining your aims, investment timescale, level of acceptable risk and capacity for loss.

It is vital to regularly review this to ensure you remain invested in the right vehicle and at the right level of risk.

We will work with you to:

  • Identify your goals
  • Define your investment timescale
  • Ascertain the level of risk appropriate for you
  • Balance your aims with your circumstances
  • Annually review your circumstances
  • Monitor the performance of your investment
  • Make changes where necessary


The value of investments and income from them may go down. You may not get back the original amount invested.

Last Updated on Wednesday, 11 July 2012 09:37

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Retirement Planning

Your Future

Some of us are natural savers whilst others will often put off planning for their retirement to another

day.  With life expectancy rising, most of us realise that saving for our retirement is an ever more vital part of financial planning.

As an example, a 65 year old man retiring now wanting to secure a lifetime income of approximately £20,000* p.a. would need a pension fund of £380,000If you would like a pension that increases each year inline with inflation the fund required would be £600,000.

A 30 year old today would need to save £546.10** net per month to achieve the same level income at age 65.  An inflation linked pension would require savings of £889.05 net per month.

Retirement Planning Services

Whatever stage you are at in your retirement planning, action now could make a big difference to your future income.

  • Pension Establishment
  • Pension Review
  • Income Shortfall Analysis
  • Fund Management
  • Consolidation
  • Annual Reviews
  • Alternative Strategies

We recommend all of our clients wishing to look at retirement planning have a Pension Review and Income Shortfall Analysis.

State Pension - An Uncertain Future

The pensions landscape has seen dramatic changes and harder times seem set to come.  Final salary pension schemes are now a rarity and there are no guarantees about the amount of state pension that can be expected, or even at what age it will be paid. 

There have been a number of changes to state retirement age in recent years and indications show that there are likely to be further amendments in future.  Changes can be made relatively close to someone reaching their anticipated state retirement age leaving little time to make alternative plans. 

It is more vital than ever to take control of your own retirement destiny. 


A Pension is a long term investment and the fund value may fluctuate and can go down.  Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

* Assumes good health, annuity basis is 0% escalation, 50% spouses pension, 5 year guarantee

** Assumes growth rate of 7% with inflation at 2.5%

Figures have been obtained using independent research tool Selectapension


Last Updated on Friday, 13 July 2012 11:06

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