About Langtons

Langtons have provided financial advice to clients in the Westcountry for over 25 years as  Langtons origins can be dated back to the firm Colin Langton originally formed in 1982, which over the years grew to became a large non-national firm of Independent Financial Advisers based throughout the Southwest.

Langtons is now a trading style of the Clarkson Hill Group Plc, one of the UK’s largest growing National IFA Companies.

In establishing a business association with The Clarkson Hill Group, Langtons management have been able to retain the unique and personal culture of the company.  At the same time, enhance the service that Langtons currently provides to all our valued clients as Langtons clients will now also have access to even more competitive investment contracts and services.  This association provides the best of both worlds whilst clients benefit from the local small company feel that Langtons have always provided.  At the same time, clients will know that there is a substantial company behind the scenes. 

Within Langtons, 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 Dorset, Surrey, Somerset, Devon and Cornwall.  Langtons administration is handled from our offices at 46 St. Peter Street , Tiverton, Devon.  However we do have clients based Nationally.

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?

There are currently several different types of financil adviser:

• 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. 
• An Independent Financial Advisor (IFA) can access solutions / contracts from the Whole of Market and advice accordingly.  Remuneration can be on a fee basis and/or commission if the client wishes.

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

The Clarkson Hill Group Plc have their own internal Compliance department based at their Head Office in Wisbech, 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.

Will Writing – Writing a Will

Personal Tax Planning – Inheritance Tax Planning, Tax efficient Investments

Your home may be repossessed if you do not keep up repayments on your mortgage.  The value of your investments and any income from them can fall as well as rise and investors may not get back the amount invested.