EWM Financial Planning

Our Modelling, Cash Flow and Lifetime Modelling service provides a structured method to assess your financial goals against current and projected resources. Through detailed analysis, we identify potential shortfalls or excesses and develop tailored contingency plans. We work closely with you to gather key information about your circumstances and aspirations. Using advanced tools, we visualise your future finances and test the durability of your plans.

Protection involves various insurance policies designed to provide financial support in the event of illness, injury, or death. We aim to ensure that you and your family are safeguarded, so you can pursue your goals with confidence. Our service provides peace of mind and financial security during unforeseen circumstances. We take a tailored approach to create a comprehensive protection plan that suits your specific needs and financial situation.

Investments are assets owned with the expectation of generating a return through income or capital growth over time. By investing wisely, you can enhance your financial situation and work towards your objectives. Our approach begins by understanding your goals, timeframe, and risk tolerance, ensuring we recommend suitable investment options. Through the use of tools such as FE Analytics and Morningstar, we can evaluate and enhance your portfolio's performance. Additionally, Dynamic Planner helps us assess risk and identify the most appropriate platforms for your assets.

Tax-efficient investments enable individuals to reduce their tax liabilities through strategic investment choices. Pensions and ISAs are commonly used, while other options like VCTs, EIS, SEIS, and BPR may offer specific benefits, albeit with higher risk. Our approach involves understanding your financial goals to tailor a personalised tax-efficient strategy.

A pension is a long-term, tax-efficient financial product designed to support you during retirement. While the state pension provides a basic living standard, it is often necessary to supplement this with additional pensions to ensure a comfortable retirement. Our goal is to understand your retirement lifestyle expectations and create a tailored financial plan, using tools like FE Analytics, Morningstar, and Dynamic Planner to optimise your investment strategy. This approach ensures your retirement plan aligns with your goals and risk preferences.

Company directors often finance their own life insurance and income protection, unaware that these can be expensed through their businesses. When these benefits align with salary and are at arm's length, it results in corporation tax savings. Our service reduces directors' personal insurance expenses while offering the protection they need.

Our Ltd Company Investment Accounts provide a solution for directors seeking to utilise long-term capital within the company. These accounts offer a way to combat inflation or to invest funds when further pension contributions or salary/dividend withdrawals are no longer viable. We deliver tailored reports and manage the account with an eye on future growth and security.

Group protection is designed to offer comprehensive coverage for both employees and key individuals within a company. It aims to deliver financial security in case of illness, disability, or death, ensuring that both employers and staff are free from financial worry. Our service involves understanding your company's unique needs to provide tailored protection plans.

A pension is a long-term financial tool designed to provide for retirement in a tax-efficient manner. We offer both Defined Contribution (DC) and Defined Benefit (DB) pension schemes, each with its unique structure and benefits. We collaborate with employers to understand their priorities and create a plan that suits the needs of their workforce.

Andy is an experienced investment professional with a proven track record of advising HNW individuals and company directors. Andy worked in private wealth management for over a decade, working in Switzerland for three years before returning to London, where he worked for the Bank of New York Mellon, Legal and General Investment Management (LGIM) and Fairstone Wealth Management. Andy holds the Investment Management Certificate (IMC), has passed CFA levels 1 and 2 (Chartered Financial Analyst), and has the Cii DipFS. In addition, he has a BA from University College London (UCL).
Andy is passionate about lifestyle financial planning, cash flow modelling, strategic long-term thinking for clients and trying to help people achieve clarity through setting clear, achievable goals.

Jeremy joined EWM in July 2023, bringing 12 years of experience in Leadership and Management as an officer in the British Army, where he achieved the rank of Major. Jeremy expanded his business knowledge by completing a Master of Business Administration and Association of Project Management Qualification. He is currently studying for his Level 4 Diploma in Financial Advice.

Lifestyle financial planning excites Jeremy as it combines leadership skills, problem solving and finance.

Howard has over 20 years of experience in Financial Services, predominantly as an Independent Financial Adviser. Howard holds Cii DipFS and also holds the CeMAP mortgage qualification. Howard now uses his encyclopedic knowledge of insurance products to research client insurance solutions, mitigating risk through sensibly considered solutions. Howard takes a technical liability matching view of insurance to ensure that risk is insured well but also, importantly, that EWM clients are not over insured and wasting hard-earned money on unnecessary insurance premiums.

Lewis left the University of Northampton with a first-class degree in Economics with Business. With a keen interest in financial markets and policy, he joined the team as a trainee wealth manager. He is currently working towards becoming a chartered financial advisor. He has swiftly progressed through the firm and now supports Andy with modelling, research and analysis for clients and is a direct point of contact for technical queries.