Financial adviser in Ascot
Ascot is an easy drive from our Stoke Poges office. The advice people ask for here tends to centre on estates, larger mortgages and how to draw an income from what they have already built.
Advice where estates are the main question
Ascot and the surrounding villages are among the most expensive places to live in Berkshire, and the questions that follow are fairly consistent. Estates are large enough that inheritance tax is a live issue rather than a theoretical one, and often the wealth is tied up in property and pensions rather than sitting in cash, which makes how you plan for it as important as whether you do.
We also see a good deal of retirement income work here. People arrive with substantial pension pots, sometimes several, and the question is no longer whether there is enough but how to draw it sensibly, in what order, and without paying more tax than necessary along the way. Getting that sequence right is worth a surprising amount over a long retirement.
Mortgages here are frequently large, and often involve income that does not fit a standard affordability calculator. That is normal work for us rather than an exception.
Nearby
We work across Berkshire and the counties around it. If your town is not listed, we almost certainly still cover it.
How we help clients in Ascot
The same advice, wherever you are. Follow any of these through for the detail.
Financial planning
A plan for the whole of your financial life, built around what you actually want.
Read more →Retirement planning
Understanding your pensions, and knowing when you can afford to stop.
Read more →Investment planning
Putting your money to work in a way that matches your goals.
Read more →Estate planning
Passing on what you have built, with as little lost to tax as possible.
Read more →Mortgages
First homes, moving, remortgaging, buy to let and larger loans.
Read more →Protection
Cover that holds your plans together if life takes a turn.
Read more →At your kitchen table, or on a video call
Ascot is a straightforward drive from the office, so most clients here see us in person at least to begin with.
Some clients would rather we came to them, particularly for the first conversation and when there is paperwork to go through together. Others would rather keep it short and do it by video between meetings. We work either way, and most people end up with a mix of the two.
Questions we are asked locally
Most of our wealth is the house and our pensions. Can anything be done?
Usually yes, though the options depend on your circumstances and on how much flexibility you want to keep. That trade-off between saving tax and keeping control is exactly what the conversation is about, and it is worth having earlier rather than later.
I have several pensions and no idea what income they will give me.
That is one of the most common reasons people come to us. We gather them together, work out what income they are likely to produce at the age you want to stop, and compare that with what you actually want to spend.
Do you work with people who are already retired?
Yes. A good deal of our work is with people who have already stopped, where the questions are about drawing income sustainably, tax, and what eventually passes on.
Advice on your doorstep
If you are in Ascot and want to talk something through, start with a conversation. No obligation, and nothing to prepare beforehand.