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P.I.M Financial Services

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P.I.M Financial Services

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One of the South West’s premier Financial Services Providers

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Our aim at P.I.M.

Approved by The Openwork Partnership on 02/06/2026. Financial Services is to provide our clients with fair, honest advice you can trust. Treating our customers fairly is of the utmost importance. We pride ourselves on having over 50 combined years of financial experience in our team. We take the time to appreciate that all of our clients have different needs, goals and aspirations. We appreciate that you’re looking for a company you can trust when making important decisions regarding your money matters and we take this to heart. Our advisors and staff are amongst the most dedicated, hard working and professional in the industry, and with a whole host of products available at our fingertips, we’re confident that we can help meet your financial needs and make your dreams come true.

01/11/2026

They are both forms of financial protection, but they work differently.

Critical illness cover is generally designed to pay a lump sum if the insured person meets the policy definition for a specified critical illness.

Income protection is designed to provide regular payments if illness or injury prevents someone from working, subject to the policy terms.

The purpose, payment structure and circumstances in which each may pay are different.

Understanding those differences is an important part of understanding protection planning.

P.I.M Financial Services is a trading style of Joanne Margaret Pond which is an appointed representative of The Openwork Partnership, a trading style of
Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 07/09/2026

01/11/2026

This Movember, we're shining a light on the connection between men's mental health, financial pressures and employment uncertainty.
Recent headlines about Microsoft offering voluntary exit packages to thousands of employees, including UK workers, are another reminder that even established careers can face unexpected change.
Losing your job, or simply worrying about the possibility, can have a significant impact beyond your bank balance.
The pressure of meeting mortgage payments, supporting a family and managing everyday household bills can take a toll on mental wellbeing.
At Walsham Brothers, we believe financial protection is about more than money. It's about helping people prepare for life's uncertainties.
Accident, Sickness and Unemployment (ASU) insurance can provide financial support when eligible circumstances prevent someone from working, helping to ease some of the financial pressures during an already challenging time.
This Movember, let's encourage more open conversations about mental health, money worries and the importance of planning ahead.
Because looking after your financial wellbeing is part of looking after yourself.
Find out more about Movember: https://uk.movember.com/
Cover is subject to policy terms, conditions, exclusions and eligibility.

31/10/2026

Are you firmly on team spooky or team silly?
Some people plan elaborate costumes weeks ahead. For others, a pair of vampire teeth is plenty.

What is the best Halloween costume you have ever seen?

29/10/2026

Saving a deposit is often one of the biggest hurdles facing first-time buyers.
But a 10% deposit is not always the minimum required.

Some mortgage products may be available with a deposit of around 5% of the property value.
For example:
A £200,000 property
5% deposit = £10,000
Mortgage required = £190,000

A smaller deposit generally means borrowing at a higher loan-to-value, which can affect the range of products and interest rates available.

Affordability, credit history, income and the property itself will also form part of a lender’s assessment.
So for first-time buyers, understanding the deposit is only one part of understanding the overall buying position.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

P.I.M Financial Services is a trading style of Joanne Margaret Pond which is an appointed representative of The Openwork Partnership, a trading style of
Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 08/09/2026

28/10/2026

Today, Chancellor John Healey delivered the Autumn Budget, outlining the Government's plans for the economy, public finances and future growth.
With a number of announcements that could affect individuals, families and businesses, the Budget introduces changes that may have implications for financial planning.
Swipe through to explore some of the key announcements from today's Budget.
Get in touch with us today to discuss how these changes could affect you and your finances.

Approved by The Openwork Partnership on 28.10.2026

P.I.M Financial Services is a trading style of Joanne Margaret Pond which is an appointed representative of The Openwork Partnership, a trading style of
Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

£1,000 today may not buy the same amount in 10, 20 or 30 years.
That’s why inflation matters when planning for retirement.

If prices rise over time, the income needed to maintain the same lifestyle may also increase.
Retirement planning therefore involves more than asking:
“How much money will I have?”

It can also mean asking:
“What might that money actually buy?”

When you picture your retirement income, are you thinking in today's prices or tomorrow's? It’s an important distinction.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

P.I.M Financial Services is a trading style of Joanne Margaret Pond which is an appointed representative of The Openwork Partnership, a trading style of
Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 10/09/2026

26/10/2026

Have you lost track of a pension from a previous job?

The free government Pension Tracing Service can help you find contact details for an old workplace or personal pension scheme. It cannot confirm whether a pension exists or tell you its value.

Find out more: www.gov.uk/find-pension-contact-details

25/10/2026

Interest rates naturally receive a lot of attention.
But a mortgage needs to fit the household behind it.

Over time, things can change:
• Income
• Family size
• Future plans
• Monthly budget
• Intended retirement age
• Plans to move home

A mortgage arranged several years ago may therefore be sitting alongside a very different life today.

Reviewing a mortgage can be as much about checking that it still fits those circumstances as comparing rates.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

P.I.M Financial Services is a trading style of Joanne Margaret Pond which is an appointed representative of The Openwork Partnership, a trading style of
Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 07/09/2026

24/10/2026

UK clocks go back one hour at 2am on Sunday 25 October.

Most devices will update automatically, although the oven clock may have other ideas.

How will you spend the extra hour?

23/10/2026

Today, people across the UK are wearing pink and raising money for Breast Cancer Now. The funds raised help support breast cancer research, information and support for people affected by the disease.

Whether it’s a bright jumper, a pink ribbon or the only pink socks you own, every show of support helps bring attention to the cause.

Are you wearing pink today? Tell us what you’ve chosen or share a photo if you’d like to.

Address

Falcon House Business Centre, Eagle Road
Plymouth
PL75JY

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 3pm

Telephone

+448001697254

Website

https://www.pimb.co.uk/

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