9 Hilgrove Road


Cornwall TR7 2QY

  • Life Assurance
  • Critical Illness
  • Income Protection
  • Pensions
  • Investments
  • Mortgages
  • Buy to Let
  • Will Writing
  • Inheritance Tax
  • Commercial Finance
  • General Insurance

"Jeremy Martin -Independent Financial Advice in the Comfort of your own Home"

This is a comprehensive Budget Bulletin that delves behind the headlines announced by the Chancellor in his latest Budget:

  • A rise of £400 in the personal allowance to £11,000 for 2016/17 and a further increase to £11,500 in 2017/18.
  • A £615 rise in the higher rate threshold for 2016/17, to £43,000 and a £2,000 increase in 2017/18 to £45,000, clawing back part of the under-indexation of earlier years.
  • A cut in the rates of capital gains tax to 20% for higher and additional rate taxpayers and 10% for other taxpayers from 2016/17. However, the current rates of 28% and 18% will continue for gains on residential property and carried interest.
  • A new Investors’ Relief, similar to Entrepreneurs’ Relief, for lifetime gains of up to £10 million on newly issued shares in unlisted trading companies.
  • A new employer Class 1 National Insurance contribution (NIC) exemption for apprentices aged under 25 earning up to £827 a week.
  • The introduction from April 2017 of a new Lifetime ISA for the under-40s, with a maximum annual contribution of £4,000 and a 25% government bonus.
  • An increase in the main ISA allowance to £20,000 from 2017/18.
  • Reform of business rates and a permanent doubling of the small business rates relief.
  • Two new £1,000 tax allowances for trading income and property income, starting in 2017/18.

Click here for full Bulletin

"Need Help with Financial Planning?"

Click here for up to date advice

"Once I've Gone"

"The Departure Lounge Saturday 19th Sept - 10am to 1pm
Karrek Chartered Financial Planners and the team from onceivegone.cominvites you to join us at our upcoming Departure Lounge at the Roche Victory Hall, Roche.

Take advantage on the day of exclusive Departure lounge offers:
• Discounted Wills with free lifetime will storage
• No funeral plan arrangement fee
• Free membership and use of all services to onceivegone.com
• Free coffee and cakes

Special Guests Clive Acraman from Planning with People Personalised Care and Support Planning Wendy Coulton from Dragonfly Funerals Funeral celebrant"

"Introducing Jeremy Martin - St Tudy and area Senior Advisor"

"Just to say we have just had a consultation meeting with Jeremy Martin, your advisor for St Tudy and the surrounding community, and not only has his advice been well researched, up to date and dare I say "on the money", but the meeting was a real pleasure!" Jeremy and Sarah Northcott.

"Spring Newsletter - Focusing on Pensions"

Click here for Newsletter Spring 2015

"Look After the Pennies - Cornwall Living Magazine"

. . . and the pounds will look after themselves. The team at Karrek Chartered Financial Planners have over 90 years combined experience in the financial services industry, providing financial services to thousands of clients all over the country.

Karrek Chartered Financial Planners are one of Cornwall’s leading providers of financial advice, on pensions, investments, inheritance tax planning, life assurance and mortgages, and has been awarded the prestigious ‘Chartered Financial Planners’ title, by the Chartered Insurance Institute (CII).

Chartered status is an exclusive title only awarded to firms that meet rigorous criteria relating to professionalism and capability. All Chartered Financial Planners commit to the CII’s Code of Ethics, reinforcing the highest standards of professional practice in their business dealings. Andrew Turner, managing director, who holds the individual Chartered Financial Planner title, explained that securing Chartered Financial Planner’s status is a landmark for his company: “We have always prided ourselves on being thoroughly professional in everything we do, and to receive external recognition in this way is very gratifying. As Chartered Financial Planners, we can signal our commitment to the highest levels of service to our customers.” To date, fewer than 400 firms have achieved Chartered status, indicating that this is a highly exclusive award reserved for some of the leading firms within the financial advice market.

When looking at pensions Andrew advises that once you have decided when you want to retire, you should next look at how you’ll want to live. Andrew advocates the importance of life insurance. “If you die, the last thing you would want would be to leave your family facing financial difficulties, but having a cash sum to pay off the mortgage or provide your family with an income is only half the story. You can also use life insurance for inheritance tax planning and pass on more to your loved ones.”

Making a *will is important because you are ensuring that your savings and property (the estate) will benefit those you care most about. Why not discuss the different types of Life Assurance available with Karrek’s advisors who also continue to offer no obligation financial and mortgage review meetings.
*The will writing service promoted here is not part of the Openwork offering and is offered in Karrek Charted Financial Planners own right. Openwork Limited accept no responsibility for this aspect of this business. Will writing is not regulated by the Financial Conduct Authority.