Personal Matters

Tailored financial solutions for individuals

Pensions Planning

Whether retirement is a long way off for you, or just around the corner, having an adequate pension plan in place is absolutely crucial.

We can now expect to live well into old age, but the state pension can no longer be relied upon to support us. To enjoy the fulfilling and active retirement that you deserve, you need to make provisions today, so that you can be sure that tomorrow is taken care of.

It is never too early to start paying into a pension and never too late to boost an existing one. We can help you with both of these areas.

Perhaps your existing pension could be better invested, giving you a higher return on retirement, with a less expensive provider? Maybe you feel confused by the dizzying array of options and complex landscape?

Let us guide you to the best option for your circumstances and make providing for your future as pain free as possible. We can help you to find the plan that will allow you to achieve the lifestyle that you want.

Income Protection

Income Protection Insurance and plans from Ascendis FP

Looking to provide replacement income in the event of long term illness.

Income Protection/Cover for Sickness pays out a monthly income if the person covered is either unable to work because of an illness or injury or is unable to carry out a number of everyday tasks and meets the providers definition of incapacitated.

We use our independent status to obtain competitive premiums for cover and also handle any claims which may occur.

 

Life Cover

Using our independent status we research the market to provide the most competitive premium for individual life cover. This can provide funds on death to protect against loss of income, capital liabilities (e.g. mortgage) or tax liabilities such as inheritance tax.
Once implemented we regularly review costs based on continuing needs and current market prices.

 

Critical Illness

Advising individuals on a policy which pays out a tax free lump sum on the diagnosis of a specified critical illness. This will protect loss of income and facilitate changed circumstances for individuals and family against diagnosis of such illness. Our independent status allows us to not only analyse cost but also the policy features to ensure a wide range of conditions are covered.

Investments & Savings

Investment Saving Advice

We regularly review your savings and investments strategy, ensuring that it still meets with your requirements well into the future, taking into account any change in your circumstances.

The impartial advice we offer is tailor made for your individual circumstances, ensuring the options we offer are right for you and as tax efficient as possible. We will take into consideration how long you wish to save for, whether you want to make regular savings or invest a lump sum, and your attitude to investment risk.

We offer advice on the following:

  • ISAs
  • Investment Funds
  • Investment Bonds
  • Mutual Funds
  • Offshore Bonds
  • Guaranteed/Structured products

What underpins the Ascendis WM investment proposition is our robust investment process.

1. Assessing clearly and accurately the client’s risk profile and needs.
2. Determining the most appropriate type of product and tax efficiency.
3. Concentrating on appropriate spread of asset classes.
4. Determining the most appropriate spread of classes.
5. Researching which funds to select using respected independent research.
6. Active monitoring and management of the portfolio on an ongoing basis.

Insurances

In addition to insurance protection for individuals or businesses we also have strong links with a general insurance provider whom can also provide any of the following:

  • Professional Indemnity Insurance
  • Public Liability Insurance
  • Employers Liability insurance
  • Fleet Insurance
  • Buildings and Contents Insurance
  • Assets Insurance
  • Business Interruption Insurance
  • Bespoke Insurance for different sectors/industries

 

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