Business Details
Independent Financial Advisers in Kingskerswell
Personal Asset Management is a family-run firm of Independent Financial Advisors with over 50 years of combined experience. Established to provide tailored financial solutions, we specialise in investment advice, mortgage planning, pension and retirement strategies, equity release, and inheritance tax planning. Our team includes a Chartered Financial Planner who maintains expertise through continuous professional development and regular attendance at financial seminars. We prioritise client relationships, offering proactive services such as risk-targeted model portfolios, annual reviews, and half-yearly reports.Based in Kingskerswell, we serve clients across the South of England, providing a free 30-minute consultation to discuss individual financial goals. Our transparent fee structure ensures clients understand costs upfront, and our secure Client Portal enables real-time portfolio tracking. We combine local accessibility with whole-of-market independence to deliver solutions aligned with clients' long-term objectives.
Services
Investment Advice
Mortgage Planning
Pension Advice
Equity Release
Estate Planning
Highlights and features
- We have over 50 years of combined experience in financial advisory services.
- Our independent status allows whole-of-market mortgage recommendations.
- We provide proactive portfolio management with quarterly valuations and annual reviews.
- Our transparent fee structure ensures no hidden costs for clients.
- We offer a secure Client Portal for real-time investment tracking.
Associations and certifications
- Financial Conduct Authority
Services
Investment Advice
We provide tailored investment strategies for clients with over 50,000 to invest. Our services include risk profiling, model portfolio selection, and ongoing portfolio reviews. Clients benefit from quarterly valuations, monthly market updates, and access to a secure Client Portal for real-time tracking.
Mortgage Planning
Our whole-of-market mortgage advice covers first-time buyer, remortgaging, buy-to-let, and later-life mortgages. We offer a 199 arrangement fee for standard mortgages and provide guidance on protection insurance to secure long-term financial commitments.
Pension Advice
We help clients review existing pensions, assess risk levels, and consolidate arrangements for optimal growth. Services include state pension checks, retirement income forecasts, and access to model portfolios designed for pre-retirees aged over 50.
Equity Release
We advise on regulated equity release schemes for homeowners over 55, explaining benefits and implications of releasing capital from property. Our guidance covers inheritance tax considerations and alternative uses for released funds.
Estate Planning
Our services focus on minimising inheritance tax liabilities through strategic gifting, trust creation, and investments qualifying for Business Property Relief. We also advise on lasting powers of attorney and will writing.
Questions
What investment minimums do you require?
We primarily work with clients investing over £50,000, though we can guide smaller amounts.
Are your mortgage fees transparent?
Yes, our standard mortgage arrangement fee is £199 with no hidden costs.
Do you offer online portfolio access?
Yes, our secure Client Portal provides real-time investment tracking and daily price updates.
How do you assess investment risk?
We use a Risk Profiler Questionnaire to determine your comfort level and appropriate portfolio.
Can you help with retirement planning?
Yes, we offer pension reviews, retirement income forecasts, and model portfolios for pre-retirees.
