Independent financial advice for Stanmore
Kingsmarque Wealth Management advises clients across Stanmore and HA7. We are independent and not tied to any provider, so the advice you get is shaped by your circumstances rather than by a product range we are obliged to sell.
Our office is in Covent Garden. We meet clients at home, in London, or by video call.
The questions we hear most often in Stanmore
Stanmore skews towards established households: people who have largely finished accumulating and are now thinking about drawing on what they have built, and about what happens to it afterwards. That shifts the conversation away from building wealth and towards using it well.
Turning savings into a retirement income
Deciding how to draw an income is harder than deciding how to save. Take too much too early and you risk running short; take too little and you underlive a retirement you spent decades funding. We model what a sustainable withdrawal looks like for you, and revisit it as markets and your spending change.
The value of a pension and the income it produces can fall as well as rise, and is not guaranteed. Withdrawals will reduce the value of your fund and may not be sustainable.
Estate planning and passing wealth on
Where property values are high, an estate can exceed the available allowances without anyone having thought of themselves as wealthy. We work through what you can sensibly do, whether that is lifetime gifting, using trusts, arranging life cover written into trust, or simply making sure a will and pension nominations actually reflect current intentions.
The Financial Conduct Authority does not regulate estate planning, tax planning, will writing or most forms of trust advice. Tax treatment depends on your individual circumstances and may change in the future.
Later-life and care costs
Care is the risk most people prefer not to plan for. Having a clear view of what you could fund, and for how long, makes the decision far less frightening if it ever arrives, and often reveals there is more room than feared.
Business succession
Stanmore has a lot of long-established owner-managed businesses. If you are approaching an exit, the questions are usually about what the sale proceeds need to do for you, how to structure the pension alongside it, and how the business passes to the next generation or a buyer.
Some forms of business planning and tax planning are not regulated by the Financial Conduct Authority.
Releasing money from property
Some clients ask about accessing equity in the home, whether to support family or to supplement income. It suits some situations and is a poor answer in others. We will set out both sides honestly rather than assume it is the solution.
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. It is not right for everyone.
Areas we cover
Stanmore, Belmont, Canons Park, Queensbury, Edgware, Harrow Weald, Bushey Heath, Bushey, Elstree, Borehamwood, Pinner, Harrow and the surrounding area.
How we work
The first conversation costs you nothing and commits you to nothing. It is there to establish whether we can be useful. If we can, you will get a clear written explanation of the work and the cost before anything begins.
Common questions
I already have an adviser. Is a second opinion worth it?
Often, yes, particularly before an irreversible decision. A second view either confirms the plan or surfaces something worth discussing. Either outcome is useful.
Can you look at what my existing pensions and investments are doing?
Yes. Reviewing what you already hold, including what it costs you each year, is usually the first thing we do.
Should I be worried about inheritance tax?
It depends on the size and make-up of your estate. Some people are exposed and unaware; others worry unnecessarily. A short conversation will establish which applies to you.
Do you advise on care fees?
We can help you understand what your resources could sustain. Where specialist later-life advice is needed, we will say so.
Speak to an adviser
To talk through your position with an independent adviser, get in touch to arrange an initial conversation.
Important information
The information on this page is general in nature and does not constitute personal financial advice. Please seek advice tailored to your own circumstances before making a financial decision.