Our Services

We are delighted to offer a range of financial and wealth management services to new and existing clients. We are completely independent, so all advice will be unbiased and not restricted to any particular company or provider.

We will research and recommend the best possible solutions for your needs and start with a free, no-obligation telephone conversation or face-to-face appointment.

Wealth Management 

We offer a bespoke wealth management service to ensure you get the most out of your investments. We have relationships with some of the top performing providers and can make personal introductions to leading fund managers. We can evaluate your investment mix and make recommendations based on your goals, attitude to risk and capacity for loss.

Our wealth management service is available exclusively on an invitation or referral basis with portfolios starting from £100,000.

Life & Critical Illness Protection - Personal

Are you and your family protected in the event of premature death or critical/serious illness? Have your policies been reviewed in the last 12 months? Plans are available that could pay out a tax-free, lump sum to cover large liabilities such as mortgages and other debts and still payout if the insured survives. Once we have understood your requirements we will research the market to get the best possible quotes.

Ask us about ways to get Life Insurance and Critical Illness Protection and be rewarded for being healthy.

Pensions, Retirement & Future Income Planning (FIP)

We are amazed at how many people simply do not have a plan in place to provide an income for themselves and their families when they stop working. Importantly, people are unaware how much they will need in retirement, how long it will last and how to fill and potential shortfall. With people living longer and continued uncertainty with state pensions it is important to know all of your options.

If you do have some pension/retirement plans in place then we would be delighted to review them for you to ensure they are still suitable and on track. This can include looking at options if you are 55+ to access 25% tax-free cash.

Savings and Investments (ISA's)

Do you have something specific you would like to save for? Perhaps your children's education, maybe to cover the cost of a child's wedding or an investment to help them get started on the property ladder? You might already have investments or Instant Savings Accounts (ISA's) 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.

Will Writing and Family Protection Trusts

We find that a considerable number of people do not have a Will in place that could greatly affect the financial well-being of their loved ones.

 

We have a specialist in-house Will writing service that is quick, simple and cost effective.

Tax Planning, Estate Planning, Inheritance & Capital Gains Tax Planning

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 extremely 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.

Key Person Insurance - Business

When a key person in a 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.

What is Key Person Protection?

Key Person Protection (also known as Key Man Insurance) is a business insuring itself against the financial loss it would suffer if a key person in your business should die of suffer a critical illness during the length of the policy. it could also pay out if the key person is terminally ill and meets the plans criteria, except in the last 12 months of the policy.

How does Key Person Protection work?

Key Person Protection is a life insurance or life insurance and critical illness cover policy taken out to cover the life of a key person within your business. The policy is owned and paid for by the employer, so any pay-out is payable to the employer.

Why do I need Key Person Protection?

The loss of a key person in your business could have a huge impact with sales and profits falling and increased workloads for the remaining staff. Ultimately, as with all insurance, it offers an element of peace of mind for you and your business.

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.

Mortgages

Are you planning on moving? 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 market to find the best deals for you.

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

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2020 Ashmax Associates

FCA Registration No. 723086

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