Aqua Wealth Management
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Aqua Wealth Management Limited – Independent Financial Advisers & Mortgage Brokers in St Albans
Founded over 12 years ago, our aim was to ensure that financial advice is delivered with no jargon, is clear, transparent, nothing hidden, all costs known and us being on your side. We continue with this philosophy that has allowed us to continually deliver just sensible and professional advice helping to give you financial security, being able to plan for now and into the future and helping to give you the peace of mind that you and your family deserve.
We provide advice on the following areas:
- Mortgages
- Protection
- Pensions
- Investments
- Inheritance Tax Planning and Trusts
- Estate Planning
- Long Term Care
- Cash Flow Forecasts
Mortgages
We give independent mortgage advice to first time buyers, buyers looking to move up or down the property ladder and buyers within the buy to let space. We simplify the process by guiding you towards the most suitable mortgage for your individual financial circumstances, helping you find the most appropriate mortgage from the whole of market.
Protection
Providing for family and loved ones is important on death or being diagnosed with a critical illness. With the most suitable type of affordable protection in place this can help minimise the financial impact and provide peace of mind to those that matter most.
We analyse your full needs, requirements, objectives, and affordability to ensure you have the most suitable type of life cover, critical illness and income protection in place, where required.
Pensions
Pensions can seem to be complex and bewildering, and the law is regularly being updated. We make the whole pension procedure simpler, by explaining them in a jargon free way, so you understand how they are working for you and helping to give you peace of mind to deliver towards a comfortable retirement.
Investments
Choosing investments that will meet your financial goals is no simple process. We help make it easy through prudent planning focused on your investment aims. Each type of investment has a different structure, incurs different tax liabilities, and has different implications for you, so it’s important to get clear advice. We have the systems, knowledge, and experience to guide you through all the different options.
Inheritance Tax Planning and Trusts
Our inheritance tax planning aims to make sure your hard-earned wealth benefits your loved ones. We show you how to protect your family’s wealth so that you can maximise the level of assets you can pass to those you love. By working closely with accountants, solicitors and trust practitioners we’ll help you create a plan that is suitable for you and your family.
Long Term Care
Our goal is to ensure that you and your family understand the choices you can make. Our SOLLA (Society of Later Life Advisers) accredited advisers are qualified to guide you through the process, every step of the way when it comes to funding for care home fees, funding for care in your own home, equity release, the role of the NHS and the local authority, Powers of Attorney and ownership of the family home.
Cash Flow Forecasts
Sometimes it can be hard to understand all your finances and picture how they are working for you now and how will they work for you in the future. We can digest all this information for you and using our systems display this graphically or using numbers to show you your future path. We never know what is around the corner so we can build in various scenarios along the way to help provide you with your financial journey.
Risk Warnings
As a mortgage is secured against your home, your home may be repossessed if you do not keep up repayments on your mortgage.
Protection plans typically have no cash in value in place.
A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
The value of investments (and any income from them) may go down as well as up, and you may get back less than you invested.
Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change. Tax reliefs are dependent upon individuals’ circumstances.
Aqua Wealth Management Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is the independent regulator of financial services in the United Kingdom. Aqua Wealth Management Limited is entered onto the Financial Services Register (www.fca.org.uk/register) reference number 578609.
The FCA does not regulated trusts or Powers of Attorney, and not all tax planning is regulated by them.
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- Insurance & protection
- Pensions & retirement
- Mortgages
- Financial planning
- Investments
- Savings
- Tax & trust planning
- Business
- Long Term Care
Diploma for Financial Advisers (DipFA)
Certificate in Mortgage Advice and Practice (CeMAP)
Certificate in Regulated Equity Release (CeRER)
Certificate in Long Term Care and Later Life Planning (CertLTCP)
