UK Financial Adviser

It’s beginning to look a lot like Christmas!

It’s beginning to look a lot like Christmas!

The Christmas jumpers have come out, the eggnog has been poured and the festive lights are illuminating the neighbourhood.  Yes, it is that time of the year again – The time for families to come together and make memories that will last a lifetime.

We asked some of our employees what their favourite Christmas memory or tradition is. Compliance Manager, Maddie, told a story about how they take a pre-Christmas lunch stroll every year to prepare themselves for the pigs in a blanket they are about to have. On the other side of the world in South Africa, Global Wealth Manager Greg, also shares an anecdote that involves his favourite festive food, something that seems to be the main feature in everyone’s holiday tradition.   He tells the story of how his family debates around the Christmas table on the proportions of the crackling from the gammon every year.

We are sure Wealth Manager Assistant, Connor, would’ve appreciated some crackling in his tree house circa 2004, when he spent the remainder of his December holiday up there after his dad surprised them on Christmas morning with a tree house in the back garden. Wealth Manager Assistant Emilie reminisces about her ‘Broadway’ days as she and her cousins would put on a Christmas play for their family every year.

Growing up in China, Wealth Manager, Difang did not celebrate Christmas, however, she still holds fond memories of the holiday season as they celebrate Chinese New Year in January or February depending on the lunar calendar. She recalls one of her fondest childhood memories as receiving Ya Sui Qian (pocket money wrapped in a red envelope) from all her relatives and having a big family dinner on Chinese New Year’s eve, before watching the Spring Festival Gala on television.

No matter how you decide to celebrate the holiday season, there is no denying that it is a special time of the year

So from our family to yours, Merry Christmas!


What a great Christmas gift…

What a great Christmas gift…

Sometimes it can seem like your children or grandchildren have every new toy and book on the market, so when it’s time to buy them a present you have no idea where to start. Why not get them a Junior ISA? While it may not be the most exciting present for a child to receive, it will most certainly be the most valuable. 

With house prices and university fees on the rise, it’s never been more important to start putting money aside for a child’s future. Junior ISAs are locked away until the child reaches the age of 18. After that, they can convert it to a cash ISA if they don’t use it for university fees. Anyone can contribute to the Junior ISA – a great option for friends and relatives looking to gift money to a child, as a child is only allowed to have one cash JISA. 

This example assumes a growth rate of 5%.

Also for you to gift the money it also acts as a great start to any inheritance tax plan. Everyone is able to gift up to £3,000 per year without facing any inheritance tax charges. Another allowance you could use is small cash gifts where you can gift up to £250 to as many people as you like during the tax year, as long as that person hasn’t been the recipient of your £3,000 gift. Both of these are exempt gifts and you don’t need to declare anything to HMRC if you remain within these allowances.

With Christmas right around the corner, this may just be the perfect gift!      

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AWM a finalist for “Adviser Firm of the Year” award

AWM a finalist for "Adviser Firm of the Year" award

We are delighted to announce that Ascot Wealth Management is in the running for the prestigious Professional Adviser Awards 2019 in the Adviser Firm of the Year category.  

The Professional Adviser Awards, now in its 14th year, seek to reward excellence both within the financial advice profession and broader financial services sector. This nomination as one of the finalists is a real testament to all the hard work that AWM put in both collectively and individually every day.

The regional winners will be announced at a black-tie ceremony in February, next year. Later that evening the overall national winner will be picked from among the eight regional winners.

For the full details on the 2019 Professional Adviser Awards click below…

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