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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Workplace pensions are the cornerstone to any employee benefits package. Whilst they are a legislative requirement, it is essential that they not only meet your objectives and budget but are also seen as competitive and attractive to your employees.

Our dedicated team of pensions experts and independent financial advisers can help you with all aspects of workplace pensions, from establishing new schemes to servicing and adminstering an existing scheme.

We can also support scheme transfers and Trustee training.

Establishing new workplace pension schemes

A workplace pension needs to be tailored to your business to suit you and your employee’s needs.

When recommending the best solution for you we search the whole of the market and consider cost, tax relief methods and compatibility with your payroll system, as well as your overall people strategy and how you want to support your employees.

Servicing, administration and governance of existing schemes

Our dedicated pensions administration team provides a range of services to relieve the administrative burden of running a workplace pension.

Pension fund accounting and treasury services

Our trained professionals can prepare the draft annual scheme reports and accounts and manage the audit process as well as deal with the day to day management of the scheme financials.

Pensioner payroll services

Fully integrated with our primary pension administration software, we can offer a full pensioner payroll facility to deal with all the necessary requirements including a helpdesk for pensioner queries.

Web-based member and client services

This service provides clients and members with web-based access to the latest scheme information and documents.

We take the strain of administering workplace pensions, ensuring you have the right solution for your business.

Pensions scheme transfers

Most pension schemes enable members to transfer their pension pot from one scheme to another. This may occur if an employee leaves one company to join another.

Our highly experienced independent financial advisers will provide the appropriate advice and planning for individual members to ensure their pension pot(s) are invested in the right places.

Trustee training

Our team of pension's experts can provide you with the relevant training and guidance to ensure your board of trustees have the appropriate knowledge and understanding to effectively manage and administer a trust based occupational pension scheme.

We will provide training on all aspects of the law relating to pensions and trusts to ensure you are compliant.

It’s essential that you review your workplace pension arrangements to ensure legal compliance.

Workplace pension contributions

As an employer, you are required to make contributions to your employee's pensions, along with the Government, which contributes in the form of tax relief.

The level of contribution you choose can form a valuable part of your employee benefits package and help to attract and retain employees.

Auto enrolment

We support our clients in selecting a solution that best suits the business needs in line with their staging date and provide ongoing support and advice.

We can also review your existing auto enrolment solution to ensure it continues to meet your needs. It may be that a new arrangement will be able to provide you with a more comprehensive structure.

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

A good workplace pension scheme improves staff retention.