Q&A
The first step is to determine the level of income you require in todayās terms and set this against any pensions, investments and / or other assets that can be earmarked for future income purposes.
We will collate the information on your behalf and provide you with a realistic plan to your meet goals.
Not necessarily ā you existing arrangements may provide benefits that cannot be replaced. We firstly review your current investments in place along with the costs involved in moving in order that you may make an informed decision.
Pensions and ISAs are effectively a tax treatment on investment and, if used in conjunction with each other, can provide excellent opportunity to utilise your tax allowances to greatest effect. Our advice is tailored to meet individual circumstances and needs.
The world is constantly changing - best laid plans should be flexible enough to adapt to changes in personal circumstance, legislative and economic conditions. We monitor and review our clientās positions on a regular basis in order that the decisions made today remain effective into the future.
It is important to adopt an appropriate degree of risk in the context of the time frames involved. We will assess your short, medium and longer term needs, advise you on an appropriate strategy to meet your objectives and provide specific investment recommendations taking full consideration of your preferences.
The main advantage is ease of management going forward, broader investment opportunity and increased flexibility come the time you choose to take benefits.
It is advisable to seek advice at least a month or two before you seriously start to look at a property. Your adviser can assist with working out how much you can borrow and comfortably afford and provide some hints and tips to prepare so that an application can progress smoothly once you have found your new home.
We will review your mortgage free of charge and provide you with a report showing your current position and other rates that are available. You can contact us for further information or complete the mortgage review request in the document library.
You can check eligibility at www.gov.uk or download our guide to the financials of shared ownership from the document library. We have more than 15 yearsā experience with shared ownership so please do contact us if you would like to chat this through directly.
We are able to do some comparisons for you to see if you would be better suited to an alternative asset class and also check that your current mortgages are cost-effective and competitive.
There are now several options available for the over 55s wishing to raise either a lump sum or income from their home. These options are complex, so please contact us for an appointment.
We can visit you at home if you prefer, you are under no obligation and there is no charge.
You can use any firm of mortgage advisers and solicitors you choose; indeed, it would make sense to use firms not connected to the developer to ensure that there is no conflict of interest. If any developer refuses to sell you a property without using their connected firms, then you have grounds for complaint as they are also aware that they are not able to do this.
Yes, we are an independent financial planning firm. This means that our advisers can select the most appropriate financial products from the whole of market.
Yes, we are regulated by the Financial Conduct Authority. You can view Ash-Ridge Asset Management on the FCA register by clicking here.
We work with all types of client, whether they are looking for a first or second mortgage, pre-retirement, at retirement or in retirement, business owners or building up their wealth. For more details take a look at our āFinancial Planningā and āPersonal Financeā pages
Our testimonials
I first met Anthony Kynaston some 13 years ago, when I sought advice regarding an inheritance from my late parents. He immediately impressed me with his friendly, calm, clear and professional manner, ascertaining my individual needs. Tony has since then continued to advise, plan and manage my financial affairs. This includes advice on my Buy to Let property and pension needs. He and his colleagues are always available to assist with any queries I may have. As a result, I can relax and now enjoy my retirement, leaving the complexities of financial management in their safe hands.
Ash-Ridge has been advising me for over 25 years. I have seen a very significant increase in the value of my portfolios over the years and have been very impressed by their professionalism, attention to detail, hands on management and care. I have been thoroughly pleased with the service so far.
Ash-Ridge has provided myself and my family with friendly, professional financial advice for many years. I find them trustworthy and reliable, and would not hesitate to recommend them.
I have been working with Tony and Andrew at Ash-Ridge to manage my financial affairs for several turbulent years since 2007. They have supported me with a variety of significant decisions and administration relating to pensions and investments while dealing with ever-changing circumstances as I moved into retirement. I am very happy to work with them, and to recommend their services.
Ash-Ridge have been managing my personal pension investment portfolio for two years. I can say that I am absolutely delighted with the professional way they have handled my assets offering solid and independent advice which has been prudent and reliable. Dealing with an experienced team with first class communication and speed of response when advice is required. They are a pleasure to deal with.
Sophie and I just wanted to thank you again for all your help in remortgaging. As ever, the service was superb and efficient, we will of course be coming back!
We have been using Jane at Ash-Ridge for the last 10 years, which literally speaks volumes for the service we receive. Janeās honest and straightforward approach is a key part in ensuring we get the deal that is best for us. She is swift and always keeps us updated throughout the entire process whilst allowing us sufficient time to make a final decision. Jane is a first class mortgage adviser and I would recommend her to anyone seeking mortgage or financial advice.