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Your Employee Benefits

How we Help People Like You

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

Why using a Financial Adviser is important.

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. Many advisers will also have access to a wider range of products than those available to direct investors while some will also enjoy preferential terms from key product providers that they can pass along to their clients.

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.

Over 25% of UK households have no emergency savings… do you?

Helping You Make Sure You Always Have The Right Mortgage Rate

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.

Our Role is to Help

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)

Helping You Make Sure You Always Have The Right Pension Options

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.

A recent industry poll found that 90% of Britons who regularly see a financial adviser feel that the advice they receive has benefited them (Redefining Retirement Survey, Old Mutual Wealth, 2015). This makes sense as there’s a growing body of research that illustrates the real financial value of taking regular expert advice. According to the survey, the average income in retirement for those who didn’t take regular advice was £18,138 pa. This rose to £19,700 for those who had taken some advice but it jumped to £27,736 pa for those who took regular advice and who had a clear target income for which to aim. This is some 53% higher than the average income for those who took no advice.

Helping You Make Sure Your Investments Aren’t Missing Something

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.

Helping Make Sure You And Your Family Are Always Protected

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

Help is At Hand

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.

What You Get

As part of our existing financial advice offering, we have already managed to leverage our scale and contacts to secure market leading and exclusive product solutions. These are utilised when our advice requires the use of a product to benefit our clients.

Being a member provides you with discounts to our normal charges; best of all, as the table below shows, this membership costs you nothing.

Core Membership Offering

By accepting your Corporate Ablestoke Membership offer, you will receive:

  • Access to our Helpline for all your personal financial matters for concerns, problems and questions
  • Access to any of our Financial Planners
  • A free consultation and Personal Review and Financial Plan every year

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

I have been a client with Ablestoke for a number of years now and have not a bad word say about their services provided thus far. My dealing with Mr Priyesh Patel have been very beneficial and his professionalism in dealing with urgent matters are always dealt with promptly. I have seen a growth in my finances over the years and his expertise have been hugely useful in many areas. I would highly recommend Abelstoke's services.

Mr Sukhraj Bhamra - Director
Raam developments & construction Ltd

Treating Customers Fairly

We are committed to treating clients fairly. Our research has shown that the time it takes to work with a new client is longer than an existing client, mainly related to getting to know them to advise them comprehensively.

To reflect that and to reward the loyalty of our existing clients, we offer the following:

  • The removal of minimum fee levels
  • Discounts on advice / initial fees
  • Discounts on ongoing advice fees

Our Commitment to You

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.

Advice Guarantee

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.

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.