FT.com - UK Equities...Banks miss out on FTSE gains...Lloyds TSB slid towards a 16-year low on concerns of further writedowns ...Debenhams shares soar as debt fears recede...Shares in the retailer jumped by a third in early trade as fears the department store chain would launch a rights issue or refinancing faded and Christmas trading appeared better than expected...Tracker aids Pendragon rally...More than 10% – 72m shares – of the UK's largest car retailer changed hands on Monday as an index tracker finished selling down its holdings...Share issue guidelines eased by ABI...Large rights issues could now be more easily conducted with the Association of British Insurers relaxing its stance in a move to reduce exposure to speculative pressures...Asset managers turn to corporate bonds...High-grade corporate bonds were the asset class most likely to see a rally in 2009, a survey has found...Hedge funds face more pain...Hedge funds are suffering a New Year hangover of record proportions after an end-of-year rush to suspend or restrict withdrawals of money and the first of what is expected to be a wave of closures...Conditions ripe for reshuffle in energy sector...Many small players could become potential targets of leading companies as the drop in oil prices and asset valuations creates opportunities for deals...Restaurant Group sales slow sharply...The owner of the Garfunkels and Frankie & Benny's chains of restaurants reported a sharp slowdown in sales in the last seven weeks of 2008 but said it expected to meet full-year expectations...Pfizer eyes merger deal with large rival ...Pfizer is willing to acquire a large rival drugs company to improve its financial health, which could trigger a fresh round of mergers...CFO anger at banks' refusal to loosen credit...The finance directors of Britain's leading companies are becoming increasingly angry with banks over the poor availability and cost of credit ...Base crumbling as companies seek market exit...January sees more evidence of a trend that has big implications for the north-east and Yorkshire regions – the delisting of quoted companies...High street left with harsh hangover...This Christmas, shopkeepers have been forced to swallow a bitter cocktail of sluggish sales and painful price cuts as they grapple for cash to pay their rent bills and fund debt repayments in what is proving to be the high street's bleakest winter in three decades...HBOS pension trustees challenge merger...Lloyds TSB's high profile rescue of HBOS faces a potential delay after the trustees of HBOS's pension scheme decided to press ahead with a legal challenge to the deal...JJB promotes Jones to executive chairman...JJB Sports, one of the high street's most troubled retailers, received a much-needed shot in the arm on Friday after a management reshuffle put Sir David Jones in the driving seat at the sportswear chain...Waitrose feeds John Lewis sales rise ...The department store group saw overall sales surge more than 20% in the crucial Christmas week, although most of its growth came from Waitrose, its chain of upmarket food stores...

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Consultants

Angela Beeton - Senior Financial Consultant

Angela has had 24 years of experience in the financial services industry and prior to joining Unizone worked for Cheltenham & Gloucester for 16 years as a Branch Manager. Angela advises on all areas of financial planning but her specialist area centres around the property market including mortgages and equity release. This proves to be a technical and ever changing market for which Angela’s experience is invaluable to the business.

Rick Patmore – Senior Financial Consultant

Rick has industry experience dating back to 1984 gaining a wealth of experience working for large insurance companies before becoming an Independent Financial Adviser with a locally based firm in 1990. In his advisory capacity Rick specialises in advising corporate clients and Individual clients on all aspects of financial advice including pension planning and portfolio management.

Bob Sparrowhawk – Senior Financial Consultant

Bob started his insurance career in 1982 with Prudential and from there has gained valuable industry experience having worked for several UK based Insurance companies.

He went on to became an Independent Financial Adviser In 1992 and has been successfully advising both individual and corporate clients ever since.

Bob brings with him his existing client base and is a welcome addition to the Unizone team.

Mark Bond – Employee Benefits Consultant

Mark is responsible for providing specialist advice to our corporate clientele covering all aspects of Employee Benefits. This includes Group Pensions, Group Life Assurance, and Group Income Protection arrangements. Having spent 7 years of his career with a large UK based insurer, Mark then moved on in 1998 to become an Independent Financial Adviser with a local firm specialising in the provision of Employee Benefits.

David Mercer – Senior Financial Consultant

David joined Unizone in 2005 and advises both corporate and individual clients on all areas of financial planning including pension and investment planning. David's early career was spent with a large UK based insurer prior to him becoming an Independent Financial Advisor in 1995 with a local firm. David brings a wealth of experience to our team.

Eric Mantle – Mortgage Consultant

Eric joined Unizone in January 2008 after having worked in the mortgage industry for several years. Throughout his career Eric has given mortgage advice from an independent, whole of market perspective and therefore has an excellent knowledge of the entire marketplace. Eric also specialises in all areas of mortgage and protection advice and is a valuable addition to our team.

Copyright © 2007 Unizone Financial Solutions Ltd. | All Rights Reserved | Registered in England number: 4481461
Registered office: The Maltings, Rosemary Lane, Halstead, Essex, CO9 1HZ
Tel: 01376-564640 | Fax: 01376-564641 | Email:info@unizone.org.uk
Unizone Financial Solutions is a trading name of Unizone Ltd which is Authorised and Regulated by the Financial Services Authority, registered number 217699. Unizone Financial Solutions use the systems and services of: