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So you can enjoy a worry free life 3 Tudor Court, Opus Avenue, York YO26 6RS Tel: 01904 661140, Fax: 01904 466206, email: Authorised and regulated by the Financial Conduct Authority. Authorisation Number 212972

protection For financial security and peace of mind there are certain steps that need to be addressed in a certain order. We call this the Lifetime Financial Triangle. You wouldn’t start to build a house without secure foundations in place, and it’s the same with financial Tax planning. If you get the foundations right, you can build up planning & a secure financial future and a better quality of life.

wealth preservation

The first step on the road to financial security is protecting you and your family against unforeseen catastrophes. Serious illness or death of a breadwinner can have a devastating effect on a family. Small businesses are particularly vulnerable to risks of unforeseen catastrophes. Yet rarely are these risks protected against.

investments - to build long term security pensions - for a secure retirement savings/emergency fund

mortgages/borrowing to acquire increasing assets protection against unforeseen catastrophes

Life assurance or life insurance? The word “assurance” is generally used for policies that guarantee to pay-out the sum assured provided the premiums are paid. The only type of policy that fits this strict definition is “Whole of Life Assurance”. Provided you keep paying the premium, Whole of Life policies will pay out on death. The word “insurance” is generally used for policies which will pay-out only in certain circumstances, such as dying during the policy term. If you survive beyond the term of the policy, the policy expires worthless. This is a bit like a motor insurance policy. If nothing happens during the period of insurance, you have simply paid the premium for no benefit. We all know, however, that the insurance is critical when something does happen. We can help you assess your biggest risks and, as independent financial advisers, we can scour the whole insurance market for the most cost effective cover to protect you and your family against these risks. Which means you can get on with living your life.

trust me I’m a Financial Planner

In a world of complex and conflicting information it can be difficult to know who to turn to when you need help to make smart financial decisions. That’s why we go out of our way to get independent accreditations and existing client testimonials. And all this means you can be reassured that you’re dealing with advisers with the very highest standards of advice and client care. The Consumer Association “Which” insist on the highest standards when referring its readers for advice, including Chartered Status, the BS8577 Kite Mark and membership of The Society of Later Life Advisers. Pen-Life is one of only a handful of firms to hold these prestigious accreditations.

CHARTERED STATUS We were one of the first practices in Yorkshire to earn Chartered status from the Chartered Insurance Institute, which demonstrates professional commitment to raising standards of knowledge, capability and ethical practice.

BRITISH KITE MARK BS8577 BS8577 is awarded to financial planning firms who can demonstrate they have the operational framework to deliver a first class service to their clients. We believe we are the only financial planning practice in Yorkshire to hold both the Chartered status and BS8577.

SOCIETY OF LATER LIFE ADVISERS (SOLLA) Advisers that attain independent accreditation from SOLLA have undertaken extra training and qualifications to arm them with the particular skills needed to advise on the financial challenges facing people in later life.







NO RISK, 100% MONEY BACK GUARANTEE We’re so sure we can make a difference to your financial future, we offer a no-quibble money back guarantee. If, within the first 12 months, you’re not 100% satisfied with our service, just tell us why and we’ll refund all the fees paid. So you’ve got nothing to lose. Many of our advisers appear on “Vouched For” a website that lists advisers that have received positive reviews from their clients.

“High quality advice delivered in an understandable way.”

Simon, North Yorkshire “Prompt, efficient, good advice which is easy to understand with a thorough knowledge of the ranges of suitable products.”

Dean, York “Straightforward professional approach to advice. PenLife take time to understand my issues and concerns and deliver a valuable solution that I am very happy with.”

John, North Yorks

can you risk getting it wrong? Most people spend more time planning their holidays than planning for their financial future. Most go through life with limited knowledge of financial matters and the way investments work. Many have a mish-mash of policies and accounts they don’t really understand. We spend a great deal of our time finding out what’s really important to clients about money and putting plans in place to improve returns and reduce risks. The stark reality is that you don’t know what you don’t know. Why not spend just a little time getting a grip on your finances so that you can get on with what’s really important —living your life. A discovery meeting is at our expense so you have absolutely nothing to lose.

Don’t put this off - it could be later than you think! Call us now to arrange an informal chat with one of our straight-talking advisers - completely FREE and with absolutely no obligation. Best of all, we talk in your language without jargon or complex explanations. We’re sure we can help you achieve increased well-being and a better quality of life.

01904 661140 3 Tudor Court Opus Avenue York YO26 6RS Tel: 01904 661140 Fax: 01904 466206 Email:

A Helping Hand With Protection Against Unforseen Catastrophes  
A Helping Hand With Protection Against Unforseen Catastrophes