Whatever your aims, good financial planning based on sound impartial advice is the key to success. Regardless of your circumstances, there is a product or combination of products that will suit your needs.

Of course, we cannot hope to plan for every eventuality in life. However, common sense tells us that there are certain things for which we really ought to make provision.

The following are just a few examples of the services we provide that can assist you in planning for your future, and that of your dependants:

Investment Management Service - We can advise you on new investments, and on existing investments that could be doing better. Once we arrange an investment on your behalf, we will regularly monitor performance and advise you accordingly.

Pension & Retirement Planning - We can provide expert impartial retirement advice to those funding for the future - as well as those who have already reached retirement age. This includes Capped Pension Drawdown and the new Flexible Access Drawdown.

Annuities - When you wish to arrange an annuity, make full use of your Open Market Option (OMO). Let us shop around for a better annuity rate for you. In most cases, we can use the Open Market Option to find you a better monthly pension than the figure offered by your current pension company.

Enhanced Annuities - You may also qualify for an "Enhanced Annuity". This could mean a bigger pension for you if, for example, your health is not good, or if you smoke.

Life Assurance - Unfortunately, too few families have adequate life assurance. Yet for just a few pounds a week you can be secure in the knowledge that you have made provision for your loved ones.

Company Pensions - These include Directors Pensions and Group Schemes for employees. We have considerable expertise in this important area.

Business Protection - This includes (a) Key-Man Insurance and (b) Share Protection. The true value of this vital protection is often only recognised on the sudden death of a business partner or co-director.

David Dougan Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA number: 734887.