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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Planning for retirement can be one of the most important things you’ll face.

Creating a retirement plan and choosing the right pension products early enough will help to ensure you have regular income to draw on in retirement. An Independent Financial Adviser will help you plan ahead so you keep on track to have the retirement you desire.

Building your pension pot

There are a wide range of pension options available and your employment situation may change many times during your life.

We help you work out how much you’ll need in retirement. As you save, we can help your pot grow by taking into account your work place pension and add any additional requirements you might need to get you where you want.

Adapting as your life changes

We’ll also help you to adapt your pension plan depending on whether your life circumstances change along the way, and how you want to take into account your family and later life plan for yourself. 

If you build a number of pension pots we can advise you on how to bring them together and the best path.

Retirement is a fact of life. Everyone needs to consider what plans to put in place.

As you retire

When the time comes, we’ll work with you to put in place your income plan, taking into account your state pension and any draw-down options from your other pension plans.

We’ll help you work out what you need each month and year to maintain the lifestyle you want and do the things you’ve always wanted to do.

Having peace of mind

We’ll also talk to you about tax implications and mitigation as well as your wider investment plans, so that you have a suitable adjustment of your broader financial plan taking you into later life.

You will be able to enjoy the things you want to in life and have peace of mind.

Frequently asked questions
about pensions

What options do I have for drawing my pension at retirement?

There are various options available including generating an income from an annuity or investing in a fund that allows you to draw income or lump sums as required. But the option that is right for you will very much depend on your retirement needs and objectives.

How much money do I need for the rest of my life?

This really depends on your retirement objectives. The starting point is to determine how much you need to cover your day to day mandatory expenditure, such as household bills etc. But you will also need to consider your discretionary expenditure on top of this.

  • Do you plan to spend more on holidays?
  • Would you like to travel more?
  • Perhaps take up a new hobby?
  • Do you need to support children or grandchildren?

This expenditure should also be accounted for.

What is Flexi-Access Drawdown?

It is a flexible way to access your pension in retirement and can be utilised from your 55th birthday (rising to 57 from 2028). You can access your savings when you need to whilst at the same time reinvesting your remaining funds in a way that provides you a regular income if required.

We help many clients with this type of pension approach, however the right approach will depend on your own personal requirements.

What risks do I face with my pension and how can these be managed?

There are a number of risks associated with any pension arrangement and you should always consider these. For example, your fund value can go up and down, you may not be able to access your money as quickly as you’d like and inflation could erode your returns. How you decide to drawdown your pension can also bring it’s own risks.

Is my pension fund secure?

The type of pension and how you decide to take your retirement benefits can impact how secure your pension fund is.

Contact us to arrange a call back to discuss how we can help.

What happens to my pension when I die?

It depends on how you decide to take your retirement benefits and can therefore be a complex area to understand. Most pension options allow anyone to inherit your pension which doesn’t always have to be your spouse or civil partner. There are tax implications - so it’s important to understand your options.

Ascot Lloyd can help you understand all of these options and put a robust plan in place.

How much should and can I contribute annually to a pension?

This depends on your earnings and how much you can afford to contribute, within the available allowances. Tax relief is also available on contributions made, subject to various limits.

We can help you work out the best approach for you based on your individual circumstances.

How much should I be saving towards my pension?

Research shows that we put ambitious targets on our retirement income and then underestimate how much we need to save to get there.

Before we delve into how much you should be saving, here’s a quick overview of the two main types of pension schemes:

In a defined benefit scheme (commonly known as final salary schemes) your employer promises to deliver you an income in retirement based upon the number of years you have worked for them and your salary. It may be a non-contributory scheme, or you may be required to contribute each month into the scheme. These ‘gold-plated’ schemes are increasingly rare.

The other type of scheme is a defined contribution scheme. If you have this type of scheme, you will be expected to contribute a percentage of your salary as will your employer. The money is invested to build a pot which will then fund your retirement.

If you have a defined benefit scheme, you just need to save as much as your employer says. But with a defined contribution scheme, things are a little more complicated…

The onus is on you to deliver the money you need in retirement – the more you save, potentially the more you get.

How much will I need in retirement?

In retirement, your outgoings are likely to be lower.

For instance, most people will be mortgage free and not supporting children.

The general rule of thumb is that someone currently aged 40 would need around 50% of their current net income to maintain their standard of living in retirement.

You should also factor in the state pension. Under the new rules this could be worth £175.20 per week (£9,110 per year) but the actual amount you receive will depend on your national insurance record. So, someone targeting a retirement income of £23,000 per annum would need to contribute £14,000 pa. from their own pensions.

You can check what you qualify for online via


Please note that figures mentioned above can and do change, but were correct at time of writing. 

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

Financial freedom is important to us all.