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Scottish review warns of job cutsUp to 60,000 people working in the public sector in Scotland could lose their jobs, according to an independent review commissioned by ministers.
California in 'fiscal emergency'California governor Arnold Schwarzenegger declares a fiscal state of emergency, putting pressure on lawmakers to pass a budget.
China allows IMF report releaseChina allows the publication of an International Monetary Fund staff report on its economy for the first time since 2006.
Greek police clash with hauliersGreek police fire tear gas to disperse hundreds of lorry drivers protesting in Athens against a government order to end their strike.
Cameron launches India trade pushDavid Cameron begins a two-day visit to India with the aim of strengthening relations and creating jobs back in Britain.
House prices 'now at 2006 levels'House prices in England and Wales are now at similar levels as seen in the summer of 2006, says the Land Registry.
Bank head hints rates to stay lowThe governor of the Bank of England says he is more worried about slow growth than inflation, suggesting rates will stay low.
July retail sales see sharp riseHigh Street sales in July grew at the fastest pace since April 2007 and are set to keep growing, a CBI survey suggests.
Bangladesh increases minimum wageBangladesh is nearly doubling the minimum wage for its millions of garment workers, a wage board official says, after months of violent protests over pay.
Russian GDP growth 'accelerates'Russia's economic growth accelerated in the three months to June, mainly due to rising consumer demand, an offical says.
Omega Consulting (Norwich) Ltd, Registered in England No: 3876001, Sackville Place, 44-48 Magdalen Street, Norwich, NR3 1JU 01603 62 72 72 office@omega-consulting.net |
Throughout the website you'll find links to information and calculators that we hope will be useful in thinking about your financial planning. We are highly experienced Consultants offering advice about: Protecting (link) **Read our jargon busting glossary (link) ** Retirement planning (link) **If you know how much you want - work out (link) how much you need to save** Investment & Saving (link) **What effect will inflation have on your money? (link) ** Mortgage, or Equity Release (link) **Work out what your repayments (link) will be on a mortgage** Debt reduction **Work out how long it'll take to pay off your credit cards or loans (link) ** And all of this, when necessary, with a wary eye on the taxman; where can we benefit from his generosity? Where can we properly avoid the painful 'sting' of tax payments?
'A Safe Pair of Hands' Are we the right people to advise you? Do our attitudes and values fit with yours? Unless you know where we all stand in the financial consultancy marketplace, choosing the right consultant can be difficult.Here then, is what we are and what we proudly stand for: Independent or Tied? Very Independent indeed. Typically, the 'advice' Bank and Building Society employees give is limited; they can only talk to you about products within their own company's range. We believe that this is rarely real advice – except in the sense that you are usually 'advised' to buy something. Doesn't that sound more like selling than advising? Omega Consulting is an Independent Financial Adviser (IFA). We are fiercely independent; we work only for our Clients, never on behalf of financial institutions. We will always advise clients in their own (not our own) best interests – even if that means advising them to do nothing at all. We do not, any longer, belong to one of the IFA 'clubs' or 'networks' because we really do not want to have to fit our business model into someone else's construct, or have our client relationships dictated by someone else's idea of what it's 'safe' to say or do. Instead, we are directly authorised by the Financial Services Authority (FSA). So we are beholden to no-one - except our clients. We always try to form long term relationships with clients so that we are there to offer guidance and advice as life situations develop and change. Small or Large? Small enough to offer a very personal service. Large enough to have a good deal of specialised knowledge and expertise in some of the increasingly complex subjects that make up the Financial Planning world. We are a Limited Company with 4 fully qualified and highly experienced advisers; at the moment we are 3 men and 1 woman. We have been this size for the past 4 years and because, in the past, we've all worked for large impersonal organisations where administration and systems became more important than clients, we have no plan or desire to 'grow' a great deal. We just want to keep things as simple as we can - and be good at what we do. Expertise Each of us has more than 15 years experience in advising people across a broad financial spectrum and we would all, as a consequence, regard ourselves as good 'General Practitioners' with a healthy practical knowledge of our subject. We are not unique in believing that acquiring this greater depth of knowledge is essential for the future good of our clients, but you may find our ability to interpret and present the technical in words that are easily understood unusual, and appealing. It may be that you have a particular problem or area you need to discuss; just that and no more. If so, we promise to focus our energy on it and not to waste your time discussing all the other areas of financial planning that might be interesting, unless, in the process of gathering information from you, we become aware of some actual or potential danger in your present financial arrangements. If we do, we will flag up a warning (a red flag warning!) but whether you take it up will be entirely in your hands. It may be that it's just been too long since you last carried out a full financial review; you may be in need of what we call 'a wash & brush up.' Here we'll look at what your goals are in relation to your income, expenditure, assets and liabilities – and then set these in the context of every investment, pension, savings plan, mortgage, loan and life/health insurance protection policy that you already have – to produce a detailed snapshot of how things really are. Many of our clients live in We understand that financial planning isn't everyone's idea of a good time; but we know that it's important to do it, and to get it right. Whether face to face or electronically, our advice process follows the same tested and logical path. We:
Costs & Charges Beyond that we offer a choice in the way we are paid. This is always discussed at outset so we promise no sudden surprises. Clients stay with us because we offer real value for the money we charge. See Key Facts about our Services and Costs. Help is at hand We hope you find this website a useful tool and that it helps your thought process in whatever area of financial planning you are considering. We look forward to hearing how we might be of help.Back to Top
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