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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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Protecting what matters to you most, whether it’s your family, your income, your mortgage or your health is important, should the unexpected happen.

It can often be a shock or a horrible realisation in times of stress or unfortunate events, that people become aware of the exposure to risk they carried, and have to take a financial hit when a crisis or situation arises.

Why work with an independent adviser to select insurance cover?

Many people automatically go directly to insurance companies or comparison websites to buy insurance.  It’s a highly competitive market and often very confusing.

Our advisers will work with you to understand your individual circumstances and tailor a suite of insurance policies to suit your needs.  We will search the whole market to find the best solution for you and act in your interest.  We will also take into account your wider financial goals and plan.

Making the right choices

With so many options available, making the right choice can be a daunting prospect. From income protection or private medical insurance to mortgage protection and life insurance, our Independent Financial Advisers will guide you through the maze of different types of cover, and help you choose what’s right for you.

As we are independent, we will search the whole of the market to make sure you get the best policy at the right price.

Protection is a financial safety net - we can help you decide what types of cover you need.

Family protection

Should something happen to you, it is reassuring to know that there is some financial security in place for your family. There are a range of solutions that we can put in place as part of your financial plan.

Critical Illness cover is a term assurance which will pay out a lump sum if you are diagnosed with a specified critical illness for example, a heart attack or stroke.

Income protection will provide you with an income if you are unable to work due to long term illness or accident.

Protecting your family if you die

You’ll want to know that your loved ones are looked after financially when you die. Life insurance will pay out a lump sum payment on death, or a regular income for a set period. 

This will give your loved one security and assurance that things can carry on, and they will be able to deal with unforeseen expenses.

We will work with you to research the most suitable solution for you and your family.

Private medical care and treatment

Most people will access the medical services they need through the NHS. Occasionally you might want to fast track something, or seek further specialist opinion or treatment.

We will advise you on the type of policy to suit your needs and concerns and help you navigate through the complexities of exclusions and comparisons.

Mortgage protection

For most of us, the largest financial commitment we ever make is the mortgage we use to buy our house.

However, arranging the mortgage is only part of the process; you may also want to consider how to protect the loan if your earnings situation changes.

If you are looking purely to protect your mortgage in the event of a death or illness, the correct life insurance will ensure you are only paying for the cover you need.

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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On life's journey, you never know what is around the corner.