Malcolm Kyle

Plan – Protect – Preserve

I help people:
Save money today
Plan for the future
Protect their life savings and estate
Protect and energise their pensions, and
Preserve their dependants’ inheritance

Wills, Trusts  and Lasting Powers of Attorney. 
It’s estimated that over 70% of UK residents who should have a Will do not. By not having a Will your estate will be divided according to the rules of intestacy and, if you do not have a family, the state will get everything. Only by careful planning and making the right provisions can you be sure that on your death your wishes about your money, property and other assets (your estate), are carried out.

Funeral Plans
Taking a decision now to plan for your funeral and to lock-in the cost at today’s prices allows you to relieve your loved ones of a huge financial burden and a great deal of stress at a time when they are least able to cope.

Is your Pension Plan going to produce the income you need in retirement?
Your pension income and consequent lifestyle are directly proportional to the amount of money in your Pension fund when you reach retirement, so it’s vital to maximise the growth of your fund. Recent press coverage has highlighted the importance of maximising growth, which has become more and more difficult in recent years due to; low growth, fund taxation and significant fluctuations within the stock market.

Insurance
Insurance must be cost effective, simple to understand & designed for your needs. My Home (Buildings and Contents) Insurance packages provide the best level of cover at the very best rates. Working with the UK’s No.1 General Insurance Broker with Home Insurance being our core service, we guarantee to beat any UK household quotation

Utilities
My main purpose is to make the process of comparing & changing domestic energy suppliers as easy and secure as possible. I undertake a whole of market comparison but often I save people most, by changing the way they look at Utilities through the Multi award winning Utility Warehouse Discount Club.

Everything I do is underpinned by 6 core values:

• Incorruptible integrity “Have the courage to say no. Have the courage to face the truth. Do the right thing because it is right. These are the magic keys to living your life with integrity.” – W Clement Stone
• Extraordinary service “Service to many, leads to greatness”  – Jim Rohn
• Best value
• Open, honest relationships and clear communication
• Growth and Learning “Learning is not a product of schooling but the lifelong attempt to acquire it” – Albert Einstein
• Positive, passionate determination with compassion