Client area

For individuals

Through face-to-face or telephone based financial advice, we help you develop lifetime financial plans that factor in your short, medium and long-term objectives.

Building your financial plan with the right advice. Effective financial planning will protect you now, and in the future, and prepare you for whatever lies ahead.

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Investments help you grow your wealth to fund what you want to do later in life.

Whether you are new to investments or want to re-evaluate your portfolio we can help you.

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A pension plan is designed to help you to retire when you want to and provides you with the income you need to live the life that you desire after retirement.

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Taking on a mortgage whether to buy your own home, or for investment reasons is one of life's biggest financial decisions. The mortgage market is complex, competitive and selective. We can provide independent mortgage advice and help you find the right product to suit your specific needs.

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No-one likes to think about the worst happening and it can be easy to put off arranging cover until it's too late. However, having the right cover in place will ensure you're protected should the road ahead get bumpy.

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For business

As a business we can help you grow and protect your profits, attract and reward your employees and achieve your financial goals.

Financial planning for a business will help you create a personally crafted financial plan that can help with decisions that enable your company to utilise unused capital to your best advantage.

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Workplace pensions are a complex subject and, if you get it wrong can lead to legal and financial difficulties. Learn more about our services for workplace pensions below.

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Group Employee benefits can not only attract the right candidates to your company but also help retain your best people.

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By spreading the risk of relevant insurances throughout the whole company, cost savings can often be made.

These safety nets protect the company and the staff.

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Business protection is a range of insurance products to help protect your company and its directors, assets and employees.

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In an uncertain world it is imperative that you protect what you have created or what you are responsible for.

We take time to get to know you and your business to find the right policies that provide you with all the protection you need. We will research the whole of the market and ensure that any arrangements are set-up in the most appropriate way for your business.

Shareholder protection

Shareholder protection is designed to ensure business continuity in the event of the death of a shareholder. Insurance can be taken out by fellow shareholders or the company.

The policy proceeds are then used to help buy the share of the business owned by a shareholder that has passed away.

Business loan protection

The policy proceeds are used to help pay off any outstanding loans your business may have should a key individual die or be diagnosed with a critical illness.

These could include bank loans or directors loan accounts which need to be repaid on death.

Business protection can help deal with unexpected circumstances that can affect your business.

Key person insurance

There is always an element of uncertainty in running a business: premises can be rebuilt, contents can be replaced, but the recovery of a key individual is not nearly as certain.

Having the right business protection policies in place helps to ensure your company can survive the loss of a key individual.

Death in service benefits

These benefits can be offered to both the directors of a company and the staff. It is also useful for smaller companies who may not be able to obtain group terms.

It’s set up by the company and pays out a tax-free, lump sum on the death (or diagnosis of a terminal illness) of the person insured.

It is also a good way of providing additional life cover for the beneficiaries of a company owner over and above any group arrangement that may be in place.

How to access our independent financial advice

Advice at home

Arrange to see an independent financial adviser at home, work or your local Ascot Lloyd office.

How to access our independent financial advice

Advice over the phone

Receive independent financial advice over the telephone or video call when convenient.

Request a callback

Business protection is an essential consideration for most businesses