This web site is currently being redeveloped.

Ascendant Financial Management serves both individual and small business clients. Our financial expertise is of value to high net worth individuals and small to medium size enterprises typically employing ten to fifty people.

The personal finances of small business owners are often linked very closely to the well being of their business. We can often save your time and leverage our extensive knowledge of financial products to your advantage by looking at a whole picture rather than just your personal or corporate needs.

Based in Bracknell we find that the majority of our customers are in the Home Counties.

We offer specialist financial services under the broad headings of :-

Protection, Retirement, Investments, Savings and Mortgages

PRISM

Protection

Protection is aimed at minimising the financial impact of critical events in life. No one likes to dwell on the possibility of these events occurring. It is our job to work with you to assess your individual needs so that you can get on with your life knowing that if the worst does happen then you, your family or your business will not suffer financially.

For individuals this may include life cover, critical illness benefit, permanent health insurance, income protection insurance, critical illness insurance, personal accident insurance, redundancy cover and provision of long term care.
 
For businesses this may include share protection, key employee insurance, and partnership protection. Succession cover is particularly important, if a director of the business dies this will ensure that their spouse is financially secure.

Business protection can be complicated which often causes business owners to put this on the back burner. No two businesses are the same. Our experience can be of great benefit to SME owners by allowing us to cut through the jargon and red tape and implement financial arrangements to suit your own individual needs.

Retirement

Not many of us look forward to getting older but it is important to properly plan for our later years. People often give pension planning a limited priority in their younger and middle years which means that few retire on the maximum pension benefits permitted by the Inland Revenue. Sound advice from our financial advisors is likely to be of benefit whatever your age or circumstances.

Sensible pension planning is not simply about picking the winning horse in the investment stakes, it is important to balance the risk against potential rewards.

For small business owners retirement tax planning is vital if you are to avoid handing over more than necessary to the Inland Revenue. We  have extensive knowledge of implementing group pension schemes.

For those in an occupational scheme some careful planning is required if retirement income is to be comparable to the income you enjoy whilst working.

Investments

We can advise on the most appropriate investments for your situation. These may include single premium life assurance policies which are linked to the fortunes of the stock market.

Savings

Many people do not take advantage of the significant tax concessions available to them. For example up to £7,000 per year may be invested into a tax free Individual Saving Account.

Mortgages

It is best to select a mortgage after careful consideration of your general financial circumstances. The wide choice of mortgage products available can be confusing, and the product with the best 'headline interest rate' may not necessarily be the best choice in the context of your own requirements and financial position.

Our knowledge of remortgages is of particular value to those wishing to release equity from a property or simply to obtain a better deal than a current mortgage.

P R I S M