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	Services Audit General & Business Advice Insolvency, bankruptcies & recoveries Financial Reporting Forensic Accounting IT Investment & Financial Advice - Business & Personal Business & Employee Taxation Personal & Family Taxation Consumer Tips				Financial, Investment & Pensions Advice Whether you're looking to review your personal or business finances, speaking to an accountant or financial advisor may highlight areas of opportunity that you hadn't previously considered. Financial Advice & Planning Financial advice and planning for you or your business is something that many people simply choose to ignore. It's been well documented in the press that many UK residents aren't doing enough to save for their retirement or wouldn't be able to cope financially if they were to lose their jobs. Expert financial advice & planning will help you look at the long-term picture both personally and professionally rather than just getting by day-to-day. Investment Appraisals When your business is planning on making a significant investment, then careful investment appraisal can help you determine whether or not it's the best option; Can your company really afford to invest? What timescale are you looking at for a return on your investment? How long will the investment take to pay back? What profit is the investment projected to make? Are there better investment opportunities available? Answering these questions will help you build up a detailed investment appraisal so that your company's money is put to the best possible use. Pensions Advice Pensions advice is very important for your future financial plans; Will you be able to afford to retire? How much should you save each month? What type of pension scheme is right for you? If you're an employer and don't provide an occupational pension scheme for your staff, then you may be legally obliged to offer them a stakeholder pension scheme. There are some exemptions though, for example if you employ less than 5 people, you're not legally obliged to offer a pension scheme. For personal and employer pensions advice search our network of advisors to find one local to you. Investment & financial advice tip: You can get a state pension forecast online which will help you assess how much of a private pension you'll need to be able to afford to live when you retire.