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Live For Today

Plan For Tomorrow 

Independent Financial Advice.

Qualify for a free initial meeting with one of our independent financial advisers

Your initial meeting will be at our expense and without obligation.

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Featured Insight

How long-term home working will affect your finances

There's a chance that many workplaces may never return to the office. The pandemic accelerated an already established shift in the way we work so that a few year's worth of changes happened overnight.

Ashmax Associates is a family-based business offering independent and trusted financial advice.

 

We believe that financial freedom and peace of mind allows you and your family to really enjoy the things that matter in life. We combine good, old-fashioned values with the latest cutting-edge technology to provide our clients with truly unique solutions through friendly, personable and jargon-free service.

There are two sides to pensions, one is if you have more than one pension, how do we know that particular pension is first of all going to provide income for when you retire, but also are you paying 3 x admin costs? should you merge pension, 1 pension report, 1x admin costs. do we know looking a whole of market that oproivide his best on the market? We look across whole of market using intelligent software looking at fdifferent providers,.. 

Pension conversations are about long term retirement planning, what you need and when you need it and how you access it . Having the right provider you are apaying a fair fee for. Having the right facilities in that pension so you can access your money when it suits you. It is important to keep track of pension policy which can change and are continually update. Something you may have been able to do with a pension two years ago may not be the case today.

 

@nd layer, is down to the actual investments themselves. Investment management - advised using expertise.  

There are two sides to pensions, one is if you have more than one pension, how do we know that particular pension is first of all going to provide income for when you retire, but also are you paying 3 x admin costs? should you merge pension, 1 pension report, 1x admin costs. do we know looking a whole of market that oproivide his best on the market? We look across whole of market using intelligent software looking at fdifferent providers,.. 

Pension conversations are about long term retirement planning, what you need and when you need it and how you access it . Having the right provider you are apaying a fair fee for. Having the right facilities in that pension so you can access your money when it suits you. It is important to keep track of pension policy which can change and are continually update. Something you may have been able to do with a pension two years ago may not be the case today.

 

@nd layer, is down to the actual investments themselves. Investment management - advised using expertise.  

Our Services

Wealth Management

We can help you achieve your wealth management ambitions with a bespoke, independent financial service that is objectives-based and tailored to suit your personal aspirations.

 

As independent advisers, we have access to the whole of the market providing you with greater choice. We will work to deliver the opportunities that enable you to achieve your goals.

We can help with your wealth management objectives, whether that is protecting family wealth, growing assets, leaving a legacy, passing wealth onto future generations or looking at your retirement from a wealth planning perspective.

 

We take a holistic view of your assets placing an emphasis on an objectives-based approach to management of your wealth. 

Savings & Investments

Do you have something specific you would like to save for? Perhaps your children's education, maybe to cover the cost of a son or daughters wedding or an investment to help them get started on the property ladder?

 

You might already have investments or Instant Savings Accounts's (ISAs) in place but are unsure how they are performing and if there are better options available.  You might also be aware of guaranteed options that offer more certainty by maximising growth potential while also protecting your money against market downturns.

Life & Critical Illness Protection

Have you considered taking out a life insurance policy and if so, do you know if this is the type of insurance you need for your specific requirements? Do you know what you need this protection for and what your risks and issues are?

Part of our expertise is to delve into these questions and understand what it is you really need, sometimes better than you know yourself. 

Mortgages

Are you planning on moving home? Want to release some equity through a re-mortgage or just want to know that you are getting the best possible rate?

Contact us to discuss your current mortgage plans and we will research the whole of market to find the best deals for you. 

 

 

Your home may be repossessed if you do not keep up repayments on your mortgage.

Pensions, Retirement & Future Income Planning

Your pension conversations should include discussions around long-term retirement planning, what you need from your pension, and how to access it. It is important to have the right provider and to ensure that you are paying a fair fee with the right facilities in that pension so you can access your money when it suits you.

You may have more than one pension fund in place but you could also be paying more than one administrative cost. Using intelligent software, our independent advisers can look across the whole of the market at different providers to see if you could merge your funds into one pension with a single administrative cost. 

It is also important to keep track of pension policy which can change regularly, something you may have been able to do with a pension two years ago may not be the case today.

Will Writing & Family Protection Trusts

We cannot overemphasise the importance of having a valid will in place.

 

If you don't have a will, the law decides how your estate is passed on and this might not be in line with your wishes. Of course, it is possible to write a will yourself, but if you choose not to seek expert advice, you may find that despite your best intentions, the document is open to misinterpretation and ultimately not valid in the eyes of the law.

Key Person Insurance For Business

When a Key Person in business dies it can have a devastating effect on the company financially. 

You can protect your business against the death, terminal or critical illness of a key person with this insurance. Key person protection is designed to pay out a lump sum on the death of the insured key person during the length of the policy. It could significantly help the business to recover with the proceeds being used to help replace lost profit or finding and hiring a replacement. 

Tax, Estate, Capital Gains Planning & Inheritance

The amount of tax you pay will depend on your level of income and what can be offset against it. This can include various expenses as well as tax relief on pension contributions. Inheritance tax planning is also important as it will ultimately be the responsibility of the beneficiary of any assets left to them by others.

If you think you might receive an inheritance or want to ensure your assets are left to loved ones in the most tax efficient manner then we can help. 

Independent & Trusted Financial Advice

01622 370 688

5 Liberty Square,

Kings Hill,

West Malling,

Kent,

ME6 5FY

admin@ashmax.co.uk

Here are some useful websites for further reading and research

Pension Wise

Free & impartial government guidance about your defined contribution pension options.

The Money Advice Service

Free and impartial money advice, set up by government.

Financial Services Compensation Scheme

Set up by parliament and funded by the financial services industry, FSCS is a completely independent and free service.

Financial Conduct Authority

The conduct regulator for 58000 financial services firms and financial markets in the UK.

Privacy & Cookies

2020 Ashmax Associates

FCA Registration No. 723086

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