Merchants Asset Management
Bespoke Wealth Planning
Welcome to Merchants – Independent Financial Advice You Can Trust
With over 30 years of experience in helping individuals and families secure their financial future, we are a trusted partner for tailored financial solutions. Our independent advice and expert services are designed to meet your specific needs and goals, providing peace of mind at every stage of your financial journey.
At Merchants, we offer four core services to support your long-term financial health:
Investment Planning
We offer expert investment services designed to help you achieve your financial goals, whether you're looking to grow your wealth or generate a regular, resilient income. Our approach is built around understanding your individual needs, risk preferences, and financial objectives, ensuring that every portfolio we create is fully tailored to you. (Read More)
Pension & Retirement Planning
Planning for retirement is key to long-term financial security. We can help consolidate your pensions and develop effective investment strategies, so you can look forward to enjoying a comfortable retirement with the dependable income you need. (Read More)
Inheritance Tax Planning
We specialise in helping clients manage their estate and minimise inheritance tax liabilities. With our expert advice, you can ensure that your assets are passed on smoothly and tax-efficiently, providing security for your loved ones. (Read More)
Mortgage & Protection Broking
Finding the right mortgage can be challenging. As independent mortgage brokers, we work with a wide range of lenders to find a mortgage tailored to your needs, whether you're buying your first home, moving house, or refinancing. (Read More)
Our Approach to Financial Planning
The Initial Meeting - The aim of this meeting is to gain a clear and thorough understanding of your current circumstances, aims and objectives. Our advice can only be as good as the information on which it is founded.
Our Recommendations - This meeting will be followed by a detailed report which will set out our recommendations in clear and accessible language to enable you to make informed investment decisions. We are committed to the Financial Conduct Authority's core principle of 'Treating Customers Fairly' which underpins everything we strive to deliver for our clients.
Fees - Our initial meeting will be entirely free and without obligation. All subsequent fees will be clearly disclosed and will only be payable after your full agreement and satisfaction following our engagement.
Review Meetings - Reviewing your finances at least once a year is crucial for maintaining financial health and achieving long-term goals. This annual check-up under our servicing agreements allows us to reappraise your financial situation, track progress towards savings and investment objectives, identify areas for improvement, and make necessary adjustments to your budget or financial strategy. It provides an opportunity to evaluate changes in income, expenses, debts, and assets, ensuring that your financial plan remains aligned with your evolving life circumstances and prevailing economic conditions. A formal valuation and review will normally take place at least once a year, together with unlimited telephone and email access to Merchants Asset Management in the interim.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Any recommendations are based on our understanding of the tax system as it currently stands, which may be subject to change in the future.
Inheritance Tax Planning is not regulated by the Financial Conduct Authority.
Please note: This website is intended for U.K residents only.
Approved by InPartnership FRN 190859 - June 2026