Category: Improving Your Saving Skills

Teenagers & Making Decisions About Money: A Guide

While 13 to 19-year-olds are undoubtedly becoming more tech-savvy and perhaps more independent as a result, one thing that hasn’t changed is a need for some friendly but vital money-related guidance.

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How to Save Smarter in 2020

Make 2020 the year that you give over-spending the heave-ho with our new year saving tips - because everyone feels better when their bank balance is looking good; are we right?

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What’s the Average Post-Christmas Debt – and How to Manage Your Money to Reduce the Fallout

Christmas spending got you feeling the pinch? You're not alone. Our latest blog explores how we can better manage our Christmas spending plans.

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What can I do to save for my child?

Wondering about your savings options for a child? There are a number of approaches you can take. Here are a few things to think about to get you going.

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Which ISA is Right for Me?

Understanding which Individual Savings Account (ISA) is the most suitable for your needs can take some serious thought. We've created a page to help you with a few questions you may want to consider.

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Me and My ISA

As the 2017/18 tax year draws to a close, we take a look at how ISAs can help you achieve those long term saving plans.

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Planning Your Finances In Retirement

Wondering how to plan your finances now you're retired?

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New Year Budgeting Tips From Kingston Unity

Read our top tips for getting your finances in order to help you meet your 2018 goals.

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Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.