AMR was established in 1992 as a result of a merger of four smaller firms of financial advisers.
Directly authorised and regulated by the Financial Conduct Authority we have two offices – in Harpenden, Hertfordshire and in Newbury, Berkshire. Our Newbury office is also the home of our dedicated investment management team.
AMR is small enough to provide a personal service to our clients but large enough to provide quality advice across a wide range of financial planning areas.
|Address||6 The Courtyard London Road|
|Phone Number||01635 521444|
Products & Services
Using AMR’s investment capability means that we take care of the day to day administration and decision making on your portfolio, leaving you time to focus on what matters to you.
Through a process of discussion with your AMR adviser, we aim to gain a full understanding of your investment aims, tax position and attitude to risk. Then, using these parameters, we will construct and manage an investment portfolio for you. Naturally, your portfolio can change over time as your needs change.
AMR’s experienced team have access to up to the minute market information, broker and fund research, and draw on a range of resources to manage your portfolio proactively and cost-effectively.
AMR has been managing client portfolios on both an advisory and a discretionary basis for over twenty years. Where many advisers have chosen to outsource the management of their clients’ portfolios to third parties, AMR has continued to invest in its in-house investment management capability. In this way, both you and your AMR adviser can be sure that your portfolio will continue to meet your needs and will not be subject to unexpected changes in the investment policy or style that could arise with a larger group.
Independent Financial Planning
Each of our advisers has over 25 years experience in helping clients to achieve their financial goals. In addition to this wealth of experience, AMR’s advisers have access to a range of research resources including financial software that is amongst the most sophisticated currently available. However, something that our clients appreciate just as much is the fact that our advisers are personable and approachable.
Experience has shown that every client is different, so our advice process starts with an initial discussion about your existing circumstances, your immediate and longer-term financial concerns and goals and, when applicable, your attitude to investment risk.
At the end of this initial discussion we will outline to you, in broad terms, our suggested solution or solutions together with an explanation as to why we feel this is the most appropriate way forward. We will explain the associated costs, answer any initial questions you have, and seek your agreement to proceed to the next step.
The next steps are to undertake the necessary research and analysis to enable us to make one or more specific and detailed recommendations. This will enable us to produce a bespoke report that will either be sent to you or discussed at a subsequent meeting. We work hard to ensure that our reports are written in plain English and avoid financial jargon to the extent that we can, but nevertheless provide fully detailed product and fund recommendations, and give full details of any related matters that might influence your final decision.
Whether your pension fund has been created solely by you or with help from one or more employer, there is every chance that it has taken a large part of your working life to accumulate. Combine this with how it may well represent a significant part of your overall wealth and it is easy to see why deciding how to access your pension benefits could be one of the most important financial decisions you ever make.
For some people, having absolute security of income level in retirement may be paramount. For others, having flexibility in terms of how much income they take, or having the potential to pass part of their fund on to their family upon their death, may be more important.
From Our Website
Do you have a partner or family who, in the event of your death, would struggle financially? Or would you struggle financially if you had an illness or injury which meant that you could no longer earn as much as you have in the past? If so, you should consider protecting yourself and your family with life assurance, critical illness insurance or income protection cover. IN 2012, according to the Association of British Insurers, over 40,000 claims were accepted on life and critical illness polices alone.
On death, transfers between spouses or civil partners are exempt so, if there is going to be an IHT liability, it is more likely to arise on the second death - when assets must, by definition, pass to beneficiaries other than your spouse or civil partner. Currently, each individual benefits from an IHT nil-rate band of 325,000 which means this, or a lesser amount, can pass from the estate of the first to die to the next generation without tax being payable. In the case of a married couple or a couple in a civil partnership, if the first to die does not use (or has not used) all of his or her nil rate band, any unused part can be transferred to the survivor.
AMR Financial Management Ltd is Authorised and Regulated by the Financial Conduct Authority. We are entered in the FCA's register under reference 165172. Registered Office: 6 The Courtyard, London Road, Newbury, Berkshire, RG14 1AX. Registered in England: 02753393.