My parents gave me a lump sum a few years ago which they wanted me to put away for my future…

I had various medical conditions that meant I had been refused access to funds under an existing scheme I was with. I contacted Stephen who had been referred to me by an existing client of AM&A, and he was confident he could help.

Under Stephen’s guidance, we set up a new scheme which enabled me to withdraw enough capital for my current needs, with the option to take more money out as and when I need it. Stephen helped me when other financial advisors couldn’t. His excellent advice has meant I have the freedom to live without financial worry.

…in particular, how to provide a suitable income going forward. We turned to our trusted advisor Stephen, who has looked after our family finances for years. He doesn’t just give us sound financial advice in a way that we understand; he really cares and has our family’s best interests at heart.

The expert guidance we received made a very difficult situation easier as this is not something we could have done on our own.

I turned to Stephen for advice as I had a number of concerns and myself and my sister didn’t feel confident enough to invest the funds ourselves. It wasn’t just a case of investing wisely, we also wanted to ensure our young children would benefit from the inheritance once they were adults.

Stephen presented us with a number of options, we took his advice and invested accordingly. Stephen gives us regular updates on the performance of our investment and the excellent growth has exceeded our expectations.

…something that we had wanted to do for a while. We already had a property abroad but needed to sell our home in the UK to enable us to have the funds available to live there. Our money has now been invested in a way that means we can have access to extra income whenever we need it. Stephen ensured our investment was more tax-efficient by taking advantage of our allowances as new residents to the country.

Our investment is doing even better than we hoped and regular communication with AM&A has meant we are always kept up to date. We have started our new life abroad confident that our finances are in safe hands – which means we have less to worry about and more time to enjoy the sun!

AM&A has been looking after my pension investments for a number of years and has recently helped me plan for my retirement. My trusted adviser Stephen was able to help me raise enough capital through my pension in a tax-efficient way, which meant my home in the UK was still protected. I have been able to start house-hunting abroad and am excited that my dream retirement will soon become a reality.

I am fortunate in that I have enough money to live off, I own my own home and there is spare money available. However, I need to make sure my family will not end up with a large tax bill because of it. With careful planning, Stephen has saved my family in excess of £250,000 in tax whilst also growing my portfolio. I have built a great relationship with Stephen over the last 15 years. His advice gives me peace of mind and he is considered part of the family!

More than that, we wanted to ensure that our loyal staff were given access to the best investment advice possible. We turned to AM&A to set up an employee pension scheme and our staff now also benefit from their expert financial advice.

We didn’t want to take the money out of the business and incur taxation, so we entrusted AM&A, who we have been clients of for over 25 years, to invest and grow our funds, something they have done very successfully.

Stephen advised us how to invest in a way that gives us peace of mind that the reserves we had built up in our company are being put to good use. The sound advice we were given has meant we can look forward to reaping the rewards of the hard work we have put into our company.