Mortgage Services
Pensions
Investments
ISAs
Financial Protection for you and your family
Life Assurance
Term Assurance
Whole-of-life Assurance
Income Protection
Critical Illness Cover
End-of-life Care
Wealth Protection
Inheritance and Estate Planning
Trust Arrangements
A financial adviser’s job is to analyse your finances and to appraise you of where the greatest risks to your security might lie. Their job is to identify what’s most important to you in life and to protect those things while helping you to build up savings in the most tax efficient way to meet your unique financial ambitions.
There are numerous benefits in taking financial advice from a qualified professional.
Unlike you, a good financial adviser will be an expert on the tax planning and investment opportunities open to you.
A skilled adviser will also have the kind of expert product knowledge that enables clients to make the very most of their investments.
The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in. The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage.
The biggest challenge with arranging any type of finance is time and where to start- this is not only the time taken to approach all lenders who are active in the market, communicating and clarifying your circumstances as you progress through the application process but also knowing who are the providers I should even consider and would they consider me?
We provide a whole of market mortgage review service. The service doesn’t end at the recommendation – once the right mortgage has been found for you, we administer the whole application, liaising with your solicitors, and accountants even the estate agent. You will be kept updated throughout the process. There is also access to a wide variety of insurance providers to protect your house and contents in the event of fire, accident, or theft, and protect you in case you lose the ability to earn and pay the mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
To ensure you do not waste money unnecessarily by paying a higher monthly amount than you need to save time by choosing the most cost effective method of arranging finance retain your home and assets in the event of unforeseen circumstances (e.g. illness or accident)
Whether it be setting up a new personal pension, wondering whether your workplace pension contributions are enough for you, saving hard for retirement or reaching an age where an annuity or income drawdown is just around the corner we are here to support you.
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
With well structured retirement goals we aim to help you retire in the style you deserve.
Our approach to investment advice is based on clearly understanding your financial situation, your goals, ambitions, and how much risk you are prepared to take with your money. The expert professional guidance your financial adviser will give you helps you through this process.
This means we can make sure that our solutions are right for you and that you have all the information you need to make a clear decision. We can introduce you to worldwide investment opportunities. So wherever you decide to invest, you can be sure your money will be in professional hands.
The value of the investment and the income they produce can go down as well as up and you may not get
back as much as you put in.
When you spend your life building up your assets and wealth, protect them!
Easy to think ‘yes I must get around to that’, but what if you don’t and something happens? Ablestoke provide a personal insurance service and have access to the leading protection policies in the country.
As financial planners, our job is to help ensure you, and your loved ones, have enough income to have a good standard of living now, and into retirement
The first thing we can do is identify how your existing provisions and assets would help you in case the worst happened. We find this provides a large amount of reassurance to our clients. Should a shortfall be identified, then we will make recommendations for you to consider.
We take time to understand your unique needs and circumstances so we can provide you with the most suitable protection solutions in the most cost-effective and efficient way.
Our aim is to match your protection needs to your changing lifestyle and requirements. We want you to feel that protecting the things most important to you is money well spent.
As part of our existing financial advice offering, we have secured market leading and exclusive product solutions through our network Quilter Financial Planning.
Being a member provides you with discounts to our normal charges; best of all, as the table below shows, this membership costs you nothing.
By accepting your Corporate Ablestoke Membership offer, you will receive:
Beyond that, you can choose the membership level that suits you best.
| Membership Level | Member | Club | Premier |
|---|---|---|---|
| Access level to additional benefits | Full | Full | Full |
| Discount on initial and ongoing advice fees | 10% | 20% | 30% |
| Membership fee per month | Included | £17 | £50 |
| Normal non-corporate membership fee | £39 | £56 | £89 |
We are committed to treating clients fairly.
Your financial situation is unique and so are our services. Each of our advisers is fully qualified and a professional in their field. Our approach is simple: we find out all about you; understand your goals; get to know your appetite for risk.
We aim to provide a fully comprehensive service to all of our clients.
We are confident that we will deliver a high-quality service that will be among the best in the financial services industry.
We continually strive to improve our professionalism through personal development.
We follow the principles of Treating Customers Fairly.
If any material interest or conflict of interest should arise in business that we are arranging for you, we will let you know and ask for your consent before we carry out your instructions.
Our processes and procedures follow the guidelines as laid down by our business support network, Quilter Financial Planning.
We like to treat our clients as we would expect to be treated. We like to hear how we’ve performed so please feel free to let us know. If you are ever dissatisfied with the service you’ve received we will do our best to put it right.