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d.write("var wordMap = new Array(\" personal financial planning become increasingly complex intimidating recent years charting path through pensions savings insurance maze leaves most confused frozen into inaction cullen unlock problem provide customers with best effective financial advice possible increasing regulation control reducing number genuinely independent advisors turn proud truly professional services rapid growth depended happy looked after long term relationships continued efforts have been made successive governments close pension increase level security retirement some which became april 2006 addition greater obligations being placed employers employees sensitive these pressures offer companies opportunity knowledgeable partner delivering those their behalf under contract commitment service underwritten investment technology people sustained means that continually added team consultants planning wholly company based north west offering wide range advisory \",\" cullen financial planning leading regional firms independent advisors based north west england company offers extensive range financial planning services both individual corporate organisations much work delivered personal level one-to-one advice sessions approach centred comprehensive understanding your attitudes risk needs future deliver tailored plans long term relationship help achieve them since establishment 1998 have also been working with owners businesses wealth management mitigation protection advising take time understand issues facing business working accountants legal helps identify prioritise goals depth experience knowledge then allows recommend appropriate team over years between dedicated providing highest standards service clients forge relationships upon trust professionalism rapidly changing sector keep ahead changes that invested heavily technology become paperless which enables more effective efficient administration customer this track action points ensure plan date fully actioned about people direct consultants focus wide wide personal consultation truly independent providers manage pension schemes pension investment transfers annuity wills protection \",\" personal level peace mind knowing that your finances will meet needs into future demand lifelong financial planning without sustaining desired lifestyle dealing with life events like marriage children retirement painful process personal smoothes journey through cullen financial planning understand change over time they have designed service portfolio ensure right outcome whatever stage life's lifes build long term relationship help plan mortgages pensions insurance protection investments they place when need them also advise inheritance management small business investment salary from employment cornerstone most people's peoples pensions related benefits important part recent upheavals pension market meant fewer people final defined benefit scheme onus risk responsibility often falls individual expectations income private clients this forms standard companies large where administer staff provider offer managed provide consultancy support effective running schemes this ensures members receive same care attention annual meetings track progress towards target minimises cost provision company whilst enhancing quality advice normally provided without charge ideal solution looking discharge their obligations under accounts regime being implemented next couple years services \",\" cullen financial planning have operated financial services industry years that time steadily increased number individual customers serve over most work comes through reference based reputation service excellence that been built recognition every different needs also recognise people meet private individuals moment often meeting employees executives next they even startup entrepreneur come doors whilst value relationships realise main task should focus those inevitably become increasingly involved customers' businesses expanded listened understood commercial sector experience driven establish range quality hard pressed smaller business overlooked sought close recent development areas pension wider employee benefits meant found valued larger companies good advice excellent personal delivery cost aren't arent mutually exclusive something relief some whatever your current role life speak discuss believe solution that's thats right customers \",\" cullen financial planning provide customers with best most effective financial advice possible proud truly independent professional services corporate enterprises read managed pension service usually cost company that provides regular employee consultation review well improvements scheme management performance owner business example have helped business conduct bottom planning across pensions investments protection structured private individuals benefited from couple lifestage needed help family future manner consistent their view life's lifes risks where they wanted grew these examples very small selection many people organisations every year mature grow towards goals would delighted share more approved case studies develop your ideas about call talk consultants arrange convenience case studies \",\" cullen financial planning progressive growing company depend excellence consultants support staff deliver values professionalism integrity independence means that limited range products services provide unrestrained tied relationships house will truly able recommend right solution customer's customers needs course this places responsibility knowledgeable informed about financial market only recruit best ever same consultant's very varied interesting constant challenge recognise contribution made offering excellent basic salary with opportunity enhance earnings through performance related attracted idea being released work directly help plan their futures organise finances investment back office systems able handle portfolio regular clients well qualified numerate have good people skills energetic self-motivated enough find interested rapid personal growth high potential then would like hear from tell more opportunities offer equal employer welcome applications anyone ability fulfil role please contact online call andrew shaun 0161 6700 careers \",\" would like contact please complete submit following form call 0161-975-6700 speak someone directly contact take advantage free obligation consultation name address town city county country postcode home telephone mobile work e-mail office addresses stockport \",\" history cullen financial planning established 1998 richard andrew tyler business company private ownership limited group shareholders been expressly provide truly independent financial services north west england although often happens geography beginning stretch corporate customers service sites cities such newcastle nottingham growth rapid recent years point where original buildings heaton mersey have nearly become full whilst consists people many partners consultants work remotely subsidiary office liverpool determined keep ahead changes delivered increasing regulation control could make difficult stay focused task serving your needs visit offices would show secure modern technology best support staff ensure that consultant follow fast efficient effective every case reputation delivery keeps bringing opportunities growth slowing next actively plan capacity serve contracts committed providing possible pension investment advice build long term mutually beneficial relationships help achieve predictable rewarding \",\" managed pension scheme providing pension scheme benefits becoming more time consuming risky companies final salary based schemes drawing close most move over provided insurance specialist investment providers some continue offer occupational schemes which involve busy company directors accepting increasingly onerous responsibility trusteeship government response current crisis been less than effective placed further obligation regulatory control trustees sponsoring employers often adding additional complexity expense businesses aiming generous arrangements their staff cullen financial planning's plannings experience this area that running core business spare effort required ensure represents best value alike they have knowledge resources provide advice members employee financial matter concern indeed fail understand therefore important part remuneration package such perceived they should bonus employees representatives instead seen even cause irritation benefit seem unclear solution managed service planning will cost completely independent situation assessment your provision using almost always reduces costs operation advise upon provider circumstances then give individual personal reinforcing extend other planning issues review meetings held annually recognised increased certainty accountability every commitment managing contracted agreed term undertake deliver against defined level agreements account management means regular reports reviews principal employer want reduce risks demonstrate comply with increasing regulations invested focus please contact online call richard 0161 6700 arrange meeting services \",\" investment planning planning hasn't hasnt been easy recent years possible show satisfactory growth only paying constant attention investments having nerves stay with some long term managing finances means different things people attitudes risk vary widely whereas happy idea using debt carry them over expensive times life others cannot entertain such some trust cash property like stock market even look riskier potentially higher return options cullen seeks understand your attitude money will detailed evaluation independent service process fact finding clarifies stage situation objectives obligations dependencies then work closely make best efficient pension plans funds other schemes create diversified well managed portfolio matched profile always achieve right balance between living today providing future regular savings lump goal progressively increasing wealth recognise that moves needs change therefore regularly review accommodate school children university fees re-mortgaging bigger properties help down-size towards retirement whatever brighten financial prospects call contact online take advantage totally free obligation initial consultation services \",\" pension planning provisions crisis this undeniable when state pension single person represents only income deemed poverty level over those retiring will have additional enough meet their retirement hopes independent personal action taken reward lifetime work constant battle against inadequate enjoy your freedom from daily grind much been said about declining annuity rates increasing longevity enormous sums necessary create workable steady much that many people resent loss control investments poor returns fund generated cullen take pragmatic approach planning understand pensions comprise element future wealth pensions should considered alongside broader both capital needs paid employment comes close different options unlock value assets maximise cash arrange considered' course employer offers increasingly rare beast final salary scheme advantage don't dont this luxury then choices more complex benefit some detailed analysis ensure match intentions most advice given where maximising contributions avoidance often recommended whilst taxation important consideration flexibility with customers design into effective overall investment strategy delivers objectives piece consistent advisors offer don't dont wait contact online call obligation assessment situation services \",\" financial protection risk often talked about seldom understood acted arranging suitable protection against consequences risks becoming real events essential cullen used arranging types people businesses part detailed investment planning reviews regularly research available products each type market check rates ensure that premiums competitive personal personal level unexpected such serious illness redundancy bereavement have financial well very human cost recognising these possibilities then taking measures mitigate makes sense ensuring arrange plans navigate your financially through sorts difficulties work undertake with during review business manage business more complex great impact bottom line probably worked hard build team competent colleagues around losing manager long term incapacity death severely profitability insured experience tells cash flow king buying back shares shareholder prove much arrangements made inject from those inherited them also protect profits period stress services \",\" larger enterprises 2010 sees start personal pension account regime npss ready enrol your staff build contribution over next years? retaining good people become more difficult recent years recent graduates particular have much fluid attitude their careers assess employment wider range measures than past employees appropriate benefits package part deal that attracts them then keeps interested taking care employee planning longer straightforward providing company large companies turnover causes major expense frequent disruption business building scheme reduces cost acting retention device isn't isnt simple task offering financial remuneration delivers tailored solution assist valued cullen worked with number substantial improve restructure schemes benefiting parties process typically reducing charges costs operation also introduced annual reviews help determine goals make sure they sensibly forward this aspect tangible valuable addition provide both increased certainty reduced risk directors ensure adopted accountable protect future doing likely will decide lies would like join clients gain benefit experience contact online call richard 0161 6700 customers \",\" owner managed business running smaller business very demanding just dealing with customers administration often means that forward planning shifts down to-do list feeling something done doesn't doesnt away though thought i'll around never leaves cullen serves over businesses your situation experienced sorting financial priorities putting right actions place make sure move towards goals besides company protection services such insurance regularly review small pension arrangements reduce costs well increasing benefits employees investments come part service includes comprehensive assessment report follow meetings annual reviews ensure stay track don't dont delay join rest have discovered advantage contact free obligations find onto pile customers \",\" private individuals cullen have individual customers using financial planning services each their needs circumstances requires regular review consideration customer relationships long term based professionalism truly independent objective what will carry reviews with chart progress work result keep many years your same time different life stage your situation changed understand manage health attitude risk change plan this listen shift approach investing pensions consider whole arrange savings investments trust funds education inheritance mortgages insurances types very directed that helps achieve want each contacting costs nothing having could best move year especially considering rapidly changing market don't dont delay contact today customers \",\" large corporates 2004 cullen financial planning limited were appointed administer group personal pension plan company employing people across five locations over north england employer contributed generously provided ancillary employee benefits such death service time their employment they uncertain that employees properly valued understood addition problems with scheme provider meant extortionate amount internal administration being invested oversee entered into year agreement explicit brief provide guaranteed standards would increase significantly perception value same reducing level administrative support required initial programme meetings members commenced quickly identified through research feedback major reservations existed charging structure investment performance capability originally selected this turn detailed analysis report company's companys board directors decision taken ultimately change providers place which encompassed road show group presentations ourselves membership offices explaining reasons behind this bring them charges have been enhanced range better performing products will available reduced burden already seen progresses raised profile pension amongst raising awareness very generous large number also taking opportunity take advice other financial planning matters these proved further area benefit terms willingness opened access quality clients case studies \",\" owner managed businesses client question tour operator employing about staff based south manchester cullen financial planning were initially introduced advise company's companys group personal pension plan scheme with poor performing provider members been receiving individual advice this turn lack understanding amongst membership value benefits that company providing part their remuneration package limited undertook review market providers putting forward recommendation change significant improvements gained both efficiency administration charging structure investment performance funds invested annual programme meetings also place running four years provided number crucial individual have opportunity ensure matches attitude risk valuations reviewed each member annually projections retirement undertaken allowing access whether contributions adequate found awareness increased significantly employees along perception appreciation other employee such death service income protection individual's individuals appointed look after personal financial planning affairs directors owners advice focused unique opportunities available owner managers carry effective pension this case small self administered scheme ssas used build portfolio commercial property including properties from which operates monthly held manager provision date valuations gives constant investments overall products continues meet manager's future aspirations proactive approach management provides disciplined within busy targeted case studies \",\" private individuals years were introduced young couple general insurance broker contact they wished undertake full financial health check light recent birth their first child meeting outlined process that would follow which cost obligation analysis current position highlighting areas consider such family protection retirement planning investment opportunities mortgage advice within completed questionnaire collated details circumstances existing plans order gather greater understanding also discussed some length client's clients immediate longer term aspirations during this initial became apparent main concerns baby daughter until reaches independence both them life respect provide enough cover protect against loss future income event death illness gentleman small pension with company closed funds business provided extremely poor returns over past four partner provision whatsoever letter authority enable collate date information plan agreed report back recommendation regarding appropriate course action regard sales support research department assurance produced findings recommendations presented adviser second recommended replaced more competitive premiums available saving used help towards establishing joint regular free either client should adequate financially independent establish being unable work prolonged period accident importantly highlighted fact neither will existence problems could cause view intestate rules local solicitor suggested situation remedied matter urgency transfer fund provider offering charging structure history class performance commence contribution month into personal same established annual review procedure continue monitor ongoing changes circumstance agreeing each result have competitively charged better performing portfolio comfort knowledge will reappraised basis case studies \",\" contact stockport head office address cullen financial planning riverview embankment business park vale road heaton mersey telephone 0161 6700 6701 liverpool sefton lane maghull 0151 1564 0213 \",\" \",\" government pensions advice entitlements direct website state pension entitlements site 2010 changes page 2009 budget pensions relief changes announced headlines march2010 click clock find your state pension financial services authority calculator much save month reach objective annuity supermarket compare annuity rates comparison forecast 2009-10 view economy video personal investment planning above access latest stock market information cash allowance over 50ies same everyone from april maxi allowance make most available contributions before apply year earn taxable income £100 speak urgently about implications help plan financial affairs next \",\" would grateful your feedback following points please indicate response below choosing most applicable answers each questions when last have pension review? following meeting feel sufficient understanding about consultant terms what think could done improve this meeting? there anything else like discussed? investment risk impact pension? might retirement? state provide? organisation knowledge explanations given date poor very good average company your name name consultant never within last years each year pension meetings feedback form \");");
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d.write("var preMap = new Array(\"Personal Financial planning has become increasingly complex and intimidating in recent years. Charting a path through the pensions, savings and insurance maze leaves most of us confused and frozen int\",\"Cullen Financial Planning Ltd are one of the leading regional firms of Independent Financial advisors based in the North West of England. The company offers an extensive range of financial planning se\",\"At a personal Level:  The peace of mind of knowing that your finances will meet your needs now and into the future, demand lifelong personal financial planning. Without it, sustaining your desired lif\",\"Cullen Financial Planning have operated in the financial services industry for 13 years now. In that time we have steadily increased the number of individual customers we serve to over 7,000. Most of \",\"Cullen Financial Planning provide our customers with the best and most effective financial advice possible, and we are proud of our truly independent and professional services.   Corporate Enterprises\",\"Cullen Financial Planning is a progressive and growing company. We depend on the excellence of our consultants and support staff to deliver our values of professionalism and integrity.  Our independen\",\" If you would like to contact us please complete and submit the following form, or:  call us on  0161-975-6700 to speak to someone directly.  	 Contact us to take advantage of our free, no obligation \",\"Our History.  Cullen Financial Planning was established in 1998 by Richard Cullen and Andrew Tyler as a new business. The company is in private ownership by a limited group of shareholders. The compan\",\"Managed Pension Scheme  Providing pension scheme benefits is becoming more time consuming and risky for companies. The era of final salary based schemes is drawing to a close, as most companies move o\",\"Investment Planning  Investment planning hasn’t been easy in recent years. It has been possible to show satisfactory growth but only by paying constant attention to investments and having the nerves t\",\"Pension Planning  Pension provisions in the U.K are in crisis. This is undeniable when the state pension for a single person represents only 50% of the income deemed to be poverty level. And over 50% \",\"Financial Protection  Risk is often talked about but seldom understood and acted on. Arranging suitable protection against the consequences of risks becoming real events is essential.  Cullen FP are u\",\"Larger Enterprises  2010 sees the start of the “personal pension account” regime.(NPSS)  Are you ready to enrol all your staff and build your contribution to 3% over the next few years?   Retaining go\",\"Owner Managed Business  Running a smaller business can be very demanding. Just dealing with customers and day to day administration often means that forward planning shifts down the to-do list. The fe\",\"Private Individuals  Cullen FP have 7,000 individual customers, using our financial planning services. Each one has their own individual needs and circumstances. Each one requires regular review and c\",\"Large Corporates  In 2004 Cullen Financial Planning Limited were appointed to administer the Group Personal Pension plan for an IT company employing 500 people across five locations over the North of \",\"Owner Managed Businesses  The client in question is a tour operator employing about 50 staff and based in South Manchester.  Cullen Financial Planning were initially introduced to advise on the compan\",\"Private Individuals  In a few years ago we were introduced to a young couple by a general insurance broker contact as they wished to undertake a full financial health check in light of the recent birt\",\"Contact Stockport  (Head) Office   Address Cullen Financial Planning Ltd   2 Riverview    The Embankment Business Park   Vale Road   Heaton Mersey   Stockport   SK4 3GN   MAP     Telephone 0161 975 67\",\"\",\"UK Government pensions advice and entitlements Direct Gov Website State pension, Entitlements.  Go To  Site Direct Gov Website 2010 Changes  due. Go to Site Page 2009 Budget  Pensions tax relief chang\",\"We would be grateful for your feedback on the following points. Please indicate your response below by choosing the most applicable answers to each of the questions. 1. When did you last have a pensio\");");
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