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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Building an attractive employee benefits package can help to attract and retain talent.

Each employers approach is different to reflect their company’s ethos and culture.

That’s why we take time to really get to know your business and design an employee benefits package that both you and your employees love.

Designing an employee benefits package

Employee benefits packages can be designed in all shapes and sizes. The best solutions need to be attractive for your employees but also needs to be financially viable for the company.

Group risk policies (also known as employee protection) and workplace pensions are both common financial products that form part of employee benefit packages.

When is a benefit really a benefit?

The tax rules for employee benefits are cumbersome and are often misunderstood.

For example, we often hear that clients are surprised when they find themselves liable for tax on something they never considered a "benefit".

That is why you should seek independent advice about this subject.

It’s not just wages that keep your best staff happy and productive.

Often as part of an employee benefits package, our independent financial advisers can provide one-to-one advice to your employees on all aspects of financial planning.

This includes advice on retirement planning (including pension transfers), investments and protection.

Working closely with you, we can manage the implementation of your employee benefits package.

Why should you consider offering a benefits package?

Offering benefits to your employees is important because it shows them you are invested in not only their overall wellbeing, but also their future.

A solid employee benefits package can help to attract and retain talent.

Benefits can help you differentiate your business from competitors.

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.

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We can tailor the right benefits package for your business