Ashley Kissick has an empathetic approach when it comes to financial advice. Whatever your background or acquisition of wealth, he understands that there are two important areas when choosing the individual or company you wish to deal with; Trust and Service. His promise to clients is one that allows you to go at your own pace. Financial advice will likely require regular interaction with an adviser and for that, he understands that you will need to feel comfortable throughout your journey. With service comes trust. This is his aim.

As a financial specialist he focuses on taking complex issues and reformatting them into a simple and beneficial manner for clients. So, is he the right person to be speaking to? Here is a summary of the areas which he covers and the benefits to you of receiving advice.

What is financial advice? Over the years, this question has arisen quite regularly. Financial advice can encompass a vast array of areas. The areas in which I specialise in are:

• Pension Planning
• Investment Planning
• Inheritance Tax Planning
• Business advice & Business Planning
• Protection Planning
• Mortgages

I have a pension, what can you do with it?

A large proportion of the UK population have a pension in one form or another, but very little know much about what they have. Certain pensions have the ability to be reviewed and altered to help you achieve your desired pension needs at retirement. Unfortunately, people are more inclined to review their home and car insurance more so than their pensions, which in many cases may grow to become the biggest or second biggest asset they’ll own.

Here are a few questions to ask yourself to see if a review is needed.

How well has my pension performed over the last 1,3 and 5 years? Is it on track to provide enough for my retirement? If not, could I do something to help it on its way? When can I retire and how much will I need? What charges am I paying? What risk am I taking, and do I need to take more or less to help me reach my goals.

Investment Planning

Could my money be working harder for me? In an era of low interest rates, for people who borrow money, this is great. However, for those who have built up their earned money, is there somewhere this could be working harder? I can help provide you access to a specialist cash management service.

I have an investment but I no longer have a financial adviser

For those in this situation, I can provide a service which allows you to review your current investment strategy to see as to whether it is performing and if it remains relevant to your situation and circumstances. This service also provides you with the opportunity to discuss markets and ask the questions that are topical to you.

Inheritance Tax Planning

This is a very complex area of advice. I specialise in this area providing clarity and direction to ways in which this could be mitigated. If you have any concerns on the effects that Inheritance Tax could have on your estate, speak to me today.

Businesses

I have a business. What can you do for me? Business Financial Planning is very different to that of Financial Planning for individuals. It is extremely important to have an adviser who understands the possibilities and implications of business planning. Areas that can be discussed (although not limited to) are:

• Pensions – Auto enrollment and the responsibilities of company directors.
• Employee benefits – Protecting the business against unforeseen events. Investing capital values aiming for greater elements of growth than is being provided in cash accounts.
• Protection over key individuals – Ensuring your company is protected during times of uncertainty is extremely important.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.