Our Services

What we Do Best

Our independent financial advisers offer guidance across a wide range of areas.  Follow the links below to find out more.

Specialties

We Can Do it All

Our independent financial advisers offer guidance across a wide range of areas.

Equity Release

We can help you unlock the cash tied up in your home.

Business services

We can arrange company pensions, group life insurance and healthcare benefits for your employees.

Life & health & insurance

We can arrange the right level of cost-effective cover for you, for complete peace of mind.

Mortgages

Whether it’s your first mortgage, or you are remortgaging, our experts can find affordable mortgage plans for you.

Pensions & Retirement Planning

Start planning your future today.

Savings & Investments.

We can guide you to the right choices for your money. Our breadth of expertise means we can take an integrated approach to your finances, making sure everything works together sensibly and cost-effectively for you.  Get in touch with us today for an initial consultation.

Specialties

We Can Do it All

Our range of financial services in more detail.

Mortgages & Remortgaging
If you want to get on the property ladder, move house or perhaps remortgage, our independent mortgage advisers can help you through the maze of options.

Mortgages
There are many mortgage options available – including straightforward repayment mortgages, offset mortgages and tracker mortgages, to name but a few.  It may all seem overwhelming – but by asking you a few key questions we can quickly find the one that’s right for you.  We’ll need to know:

  • The value of the property
  • How much you want to borrow
  • How long you want your mortgage to run for
  • Your earnings, and what you can afford to repay
  • Your savings and assets
  • Whether you’re comfortable with some risk, or prefer none at all

If you visit a bank or building society for a mortgage, they will only offer you their own products.  Because we are independent, we can find you any product from any provider – which means you get the mortgage that is truly best for your circumstances.

Remortgaging
It makes sense to review your mortgage and ensure you are not paying too much.  It may be that your circumstances have changed, and remortgaging could help save you money every month, or repay your mortgage more quickly.

Even if you are locked in a fixed-term mortgage, you could still have options.  Because our mortgage advisers know the mortgage market so well, we can give you our independent, experienced advice, tailored to your situation.

Contact us today to find out more about mortgages and remortgaging.

Pensions & Retirement Planning
We all dream of a comfortable, happy and long retirement!  Yet the facts are very clear: state benefits won’t come close to providing the kind of retirement most of us wish for.  It’s vital you take responsibility for planning your future – and it’s never too early to start.

Step 1 – create a retirement fund
For most people this involves regular payments into a pension plan.  Companies are obliged to offer a company pension scheme for their employees – But it may be that your employer’s scheme isn’t the best match for your needs, and you may prefer to set up your own more flexible pension plan.

Our independent pension advisers can help you look at all the facts, so you can make the right decision.  We can also manage your pension plan for you, to make sure it performs to its full potential.

Step 2 – spend your retirement fund
When you retire, your pension plan will provide a pot of money.  As you approach retirement it’s important to consider how you can use that to fund your future.

Many people will buy an annuity, which will give them a regular income stream.  Others opt for an initial lump sum – or a combination of the two.  Some people ease into retirement by reducing their working hours and only drawing some of their pension.

There are plenty of choices, but some have certain binding terms and conditions.  Our expert pension advisers can talk through your options with you in plenty of time.  We can help you make a fully-informed decision… then you can relax and enjoy life!

Long-term residential care funding
If the time comes when you need long-term residential care, it’s important to consider how it will be funded.  It can be costly.  You’ll want to choose your care home based on the type of care and environment that’s right for you – not solely on price.

It’s important to take advice early on, so that you can make decisions about your care with peace of mind, knowing the finances are under control.  Our expert long-term care advisers are here to help you.

Equity Release
Many people have a lovely home, yet struggle to make ends meet.  Others dream of a once-in-a-lifetime opportunity, but lack the cash funds to make it possible.

Your home is valuable asset – so it could make sense to use some of the funds tied up in your property to help improve your quality of life, or fulfil your ambitions.

An equity release scheme allows you to convert the value of your home into cash, while you can continue to live in the home you love.

There are typically two options:
Lifetime mortgage.
You continue to own your property, but take out a loan against its value, and receive a cash sum.  This loan, plus interest, is repaid when your property is sold.

Home reversion.
You sell your property to a reversion company, receive a cash sum, and continue to live rent-free in your home.

Equity release schemes are sometimes met with hesitation – and it’s right to think carefully because there are long-term implications for your decision.  It’s important to be aware, for example, that in an equity release scheme you may not receive the full market value for your property.

Our independent equity release advisers can guide you and help you make an informed decision.  There may be other ways you could access funds before considering equity release, and we can help you look at all your options objectively, and without any pressure.

Contact us today to find out more about equity release.

Protection and Life Insurance
With so much uncertainty in life, it’s good to know you can protect what matters to you.  For peace of mind financially, whatever the circumstances, our independent insurance advisers can help.

Unlike online insurance search engines, we get to know you personally, and take an overall view of your finances.  That means we can make sure you receive the right level of cover, and that it complements your other financial products.

Because we search the market more widely than online search engines, we can offer you more choice, and very competitive prices too.

Life insurance
A life insurance policy is a good way to ensure your dependents can be taken care of, if you are no longer there to provide for them.
These policies run for a certain period of time, and should you die during the term of the policy it will pay out a lump sum.  If you live until the end of the policy there is no payout.
Critical illness cover is a single payment made on the diagnosis of a critical illness such as cancer, kidney failure, or blindness.  Its purpose is to help you cover the costs associated with a serious diagnosis (such as costs of travelling for treatment or making changes to your home).

The policy descriptions here are only intended as a quick guide.  Policy terms and conditions vary, and we will always ensure you completely understand the small print of your policy before you commit.

Contact our independent insurance advisers today for help.

Savings & Investments
Perhaps you have some money to set aside or are planning to save for a major event.  We can give you independent savings and investment advice to help your money work to your best advantage.

There’s a difference between savings and investments – and there are two key questions to help you decide which is right for you:

How do you feel about risk?
Returns on savings – eg, interest on a savings account or ISA – are more dependable, and the funds you pay into a savings account are secure (subject to the terms of the Financial Services Compensation Scheme).  But the returns are typically lower than with investments.

While investments typically give higher returns, their performance is dependent on the markets, which may go down as well as up – so there’s a chance you may get back less than you put in, especially in the short-term.

How quickly do you need to access your money? Savings can usually be accessed quickly, often without penalty.  Investments tend to be a longer-term decision, and you may incur penalties if you withdraw funds too soon.

It’s important to feel comfortable with your decision – and what’s right for someone else may not be right for you.

By talking with you, and searching the whole market, our independent advisers can find the savings or investment plan that will best suit you and your needs.

Get in touch with us today for independent savings and investment advice.

Business services
We help businesses provide a range of benefits for their employees.
We always start by finding out your company’s objectives.  Then our independent advisers search the whole of the market and suggest the financial plans and products that could be suitable for your business and employees.

We can work alongside you to ensure schemes are implemented smoothly.  We can also explain the schemes to your employees and offer individual consultations if required.

Are you ready for the changes in company pensions?
Every business needs to know how Workplace Pensions these regulations will affect them.  Our corporate pensions advisers can help you – contact us today to find out more.

Get In Touch

Assure Wealth Management
6 Station Road
Chessington
Surrey
KT9 1AX

T: 07801 413147
E: [email protected]


Assure Wealth Management is an appointed representative of Manning and Company (South West) Ltd which is authorised by the Financial Conduct Authority, number 458361