About Langtons

The firm was originally formed in 1982 by Colin Langton.  Langtons is now a limited company, trading as Langtons (IFA) Ltd which is authorised and regulated by the Financial Services Authority.  Langtons IFA Ltd is a non-national firm of Independent Financial Advisers based throughout the Southwest. There is a tremendous depth of experience and expertise across the full range of financial matters for private and commercial clients with experienced finiancial advisers based throughout Somerset, Devon & Cornwall.  The administration is handled from our offices at 46 St. Peter Street , Tiverton, Devon and 44a South Street , St Austell, Cornwall.

Now semi-retired Colin runs the Langtons office in Sotogrande, Cadiz, Spain. This office was opened in January 2005 to provide Financial Advice and services to the growing number of people moving to Spain from the UK.

You may have read our financial articles in a wide variety of magazines and newspapers. We also provide a selection of literature which includes our regularly issued Langtons News Bulletins. If you would like to register to receive these please use our online sign up, Keeping you posted with the latest financial news.

We advise companies and businesses on pre-retirement counseling, Group Pensions, Income Replacement Cover, Group Medical Insurance schemes etc. Naturally, however, the majority of our clients are individuals, living in this country or abroad. Many are introduced to us by other satisfied clients or referred to us by solicitors & accountants. The latter appreciate our breadth of experience, professionalism and true independence - a rare commodity today.

Not all firms charge for financial advice in the same way. You can have the option of paying by fee, commission or a combination of the two. We are usually remunerated by commission, paid to Langtons by the product provider. Alternatively, financial advisers can work on a fee basis if you prefer. Either way, we offer an initial discussion (without charge or obligation on your part) when we will describe our services more fully and explain the payment options. If you decide to go ahead, we will gather and analyse personal information about you, your finances, your needs and objectives; recommend and discuss any action we think you should take and, with your agreement, arrange relevant investments/policies for you. We will not charge you anything until you have agreed how we are to be paid.

WHY CONSULT AN INDEPENDENT FINANCIAL ADVISER?

Since June 1st 2005 there have been four types of Financial Advisor.

• A Tied Agent is the agent of an insurance company and can only sell products provided by that insurance company only.
• A Multi Tie Agent is the agent of a number of different insurance companies and can only sell products provided by the companies they represent.
• A Whole of Market Advisor is the agent of the client and is legally bound to access and recommend the most suitable product or service from the whole marketplace to suit the client’s needs.
• Independent Financial Advisor (IFA) is the same as a Whole of Market Advisor except remuneration can be on a fee basis instead of commission if the client wishes.

In today’s fast moving world, individually tailored and independent expert advice is essential.

Langtons is directly Authorised and Regulated by the Financial Services Authority (FSA), which ensures high standards of professional advice. All our advisers are qualified and approved by the FSA.

We have our own internal Compliance department based at our Head Office in Tiverton, which together with regular training of advisers to keep them up to date with ever changing legislation, ensures the high standards of professionalism.

We hope that you have found this website to be of interest and invite you to contact us for further information, or a meeting with no cost or obligation. Please use our contact page or e-mail: enquiries@langtons.co.uk

SERVICES

Langtons are able to provide financial advice and assistance on the following key areas:

Investment - Investments for growth and/or income, regular savings, Savings for Children’s education, Child Trust Funds and Tax efficient Investments.

Protection – Protecting your family with Life Assurance and Private Medical Insurance, protecting your home with Life Assurance and Mortgage Payment Protection, protecting your income with Income Protection Plans, protecting your business with Key Man Cover and Shareholder Protection, Long Term Care Provision.

Mortgages – New Mortgages, Assisting first time buyers, Re-Mortgages, Buy to Let*, Mortgage Payment Protection and Mortgage Life Cover.

Retirement Planning – All aspects of retirement planning, Individual Pensions, Group Pensions, Alternative Investment for retirement, Alternative savings for Retirement and Options on retirement.

Releasing Equity – Options to Release equity from your home, Mortgages, Lifetime Mortgages (Formerly known as Equity Release), Home Reversion Schemes and Investment options for Income.

Download Langtons new Guide to Releasing Equity from your home.  Or Request to receive a copy using our contact page.

Will Writing – Writing a Will*

Personal Tax Planning – Inheritance Tax Planning*, Tax efficient Investments*,

* All or part of these services may not be regulated by the Financial Services Authority.