Stepping back from your career or business
- I've sold my business. What should I do first?
- How do I move from earning to drawing, tax-efficiently?
- When should I take my pensions, and from which pot?
Independent financial advisers · Tunbridge Wells
Complex financial situations. Clear financial decisions.
You've built significant wealth through your career or your business. The question now is how to make the most of it, for yourself and for your family.
Armstrong Wealth Ltd is an independent financial advice firm based in Tunbridge Wells, advising individuals and families across Kent, Sussex, Surrey and London on wealth management, retirement, inheritance and borrowing.
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Independent adviceNot tied to any provider. FRN 1038543. Check the FCA register
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Advising clients since 2014From our office at Salomons Estate, Tunbridge Wells.
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Equity Release Council member firmFor our lifetime mortgage advice.
Start with your situation
Where are you now?
Our clients have often done the hard part already. They've built their wealth through years of work or by building a business. What they want now is to organise it well, keep more of it, and use it for the things that matter most.
Making your wealth work in retirement
- What's the most tax-efficient order to draw on my assets?
- Is my money invested sensibly for this stage of life?
- Am I paying too much in charges?
Passing wealth on
- How much can I give my children now, and how?
- How will the 2027 changes to pensions and inheritance tax affect my family?
- Am I making full use of my allowances?
Your property and borrowing
- What is the right structure for a larger mortgage?
- How should I repay my interest-only mortgage?
- Is a lifetime mortgage right for us?
Not sure where to start?Many of our clients weren't. We can begin by looking at everything together.
Review my whole position
How we work
Having wealth isn't the same as having a plan.
Busy careers and businesses can leave little time to organise your finances. Pensions from several employers, ISAs, shares, property and perhaps the proceeds of a business, each set up for a good reason, but rarely looked at together.
Bringing it into one clear plan is where we start.
You stay in control of every decision. Our job is to make each one clear.
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01
Where you are
We bring together everything you own, including pensions, investments, property, business interests and borrowing, so you can see your whole position in one place.
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02
Where you want to be
We talk about what you want your wealth to do: the life you want to lead, when you want to step back, and what you'd like to do for your family.
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03
How to get there
We recommend how to organise, invest and pass on your wealth, and explain each recommendation in plain English, including what it costs, so you can decide with confidence.
Wealth Management
You've spent a lifetime building wealth. What happens next?
Wealth management at Armstrong Wealth Ltd is an ongoing advice relationship. We build your plan, recommend and oversee the investments within it, and keep both up to date as your life, the tax rules and the markets change.
- Tax-efficient incomeThe right order to draw on pensions, ISAs and investments
- Ongoing investment adviceDiversified, considered, and with risk aligned to your agreed goals
- Pensions brought togetherWe consider your goals, preferences, costs and opportunities before making any recommendation
- Inheritance plannedGifting, allowances and planning how your wealth passes on
- A named adviserRegular reviews, and someone to call when life changes
- One view of everythingAll your accounts in one place through a secure online portal
Usually a good fit if you
Have built substantial wealthValue independent adviceCare about your family's futurePrefer sensible solutions
Estate and tax planning is available to Wealth Management clients for a separate, agreed fee. We help you use allowances and gifting and, where inheritance tax is a concern, appropriate plans, including trust arrangements available through our providers. Estate and tax planning are not regulated by the Financial Conduct Authority.
The value of investments can fall as well as rise, and you may get back less than you invested. Tax treatment depends on your individual circumstances and may change in the future.
Home and later-life borrowing
Borrowing decisions are financial decisions.
Your home is often your largest asset. Whether you're financing a significant purchase, repaying an interest-only mortgage or considering borrowing in later life, we look at the decision alongside the rest of your wealth.
Important borrowing decisions made with confidence.
Whole of market mortgage advice for larger loans and complex income, including company directors, the self-employed and bonus earners.
- High-value purchases and moving home
- Remortgaging, starting six months ahead
- Mortgages that run into retirement
An interest-only mortgage coming to an end?
As financial planners as well as mortgage advisers, we can look at the different ways to repay, not just another mortgage.
- Using savings or investments
- Using pension benefits, where appropriate
- Refinancing, retirement interest-only or downsizing
Considering a lifetime mortgage? Start with the bigger picture.
We look at the alternatives first, including not borrowing at all. We explain the effect on inheritance and benefits, and family members are welcome to join our conversations.
What we advise on. Equity release includes lifetime mortgages and home reversion plans. We give whole of market advice on lifetime mortgages. We do not advise on home reversion plans.
Armstrong Wealth Ltd is a member of the Equity Release Council★★★★★Henry Armstrong · Certs CII (MP & ER), DipPFS · VouchedFor Top Rated 2026
Book a free conversation
This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits. Your home may be repossessed if you do not keep up repayments on your mortgage.
What clients say
In our clients' own words.
I am one hundred percent pleased with Armstrong Wealth. I recommend them to anybody, but especially if they need to find a calm in a financial storm.Mrs Jackie MeyerFinancial planning client
Armstrong Wealth have been doing a great job for us since 2014. It's very reassuring to have such a reliable and proactive financial adviser.Bill MuirheadFounding Partner, M&C Saatchi
With Armstrong Wealth Financial Planning and Private Office services we get great service, creative ideas and the professional connections we need.Paul-René AlbertiniFormer Chairman and CEO, Warner Music International
Recommendations from existing financial planning clients, reproduced with permission.
Who you'll work with
You'll always know who you're talking to.
Armstrong Wealth Ltd is an independent, family-run financial advice firm, established in 2014 and led by directors Duncan Armstrong and Henry Armstrong from our office at Salomons Estate, Tunbridge Wells.
Where we meet
Salomons Estate, Tunbridge Wells
Face to face at our office at Salomons Estate, Broomhill Road, Tunbridge Wells TN3 0TG, by Microsoft Teams video call, or by telephone, wherever you are in the UK.
Armstrong Wealth Ltd
Salomons Estate
Broomhill Road
Tunbridge Wells TN3 0TG
How advice is paid for
Clear about costs from the start.
You will never unknowingly pay for anything. Every fee is explained and agreed with you in writing before any work begins.
A free first conversationNo cost and no obligation.
Nothing without your agreementNo work is charged until you have agreed it in writing.
Exact costs in writingConfirmed before you commit.
Planning and Wealth Management
- Initial advice
- A fee for researching your position and preparing your recommendations, agreed before work starts.
- Ongoing advice
- A fee for ongoing services, when selected, covering reviews, plan updates, ongoing investment advice and access to your adviser.
- Estate and tax planning
- Charged separately, and agreed with you before any work begins.
Mortgages and lifetime mortgages
- How we are paid
- Through a fee, commission from the lender, or both, explained at your first meeting.
- Before you proceed
- Every fee, including lender, valuation and legal costs, is confirmed in writing before you go ahead.
Common questions
Questions our clients ask.
What does an independent financial adviser do?
An independent financial adviser can recommend products from across the whole market, not just a limited range of providers. Armstrong Wealth Ltd is an independent firm based in Tunbridge Wells, so our recommendations are based on what suits you, including keeping what you already have.
I've sold my business. What should I do first?
Usually, nothing in a hurry. We start by understanding your whole position, the tax already paid or due, and what you want the money to do, before recommending how to invest it, draw on it or pass it on.
Are the rules on pensions and inheritance tax changing?
Yes. From 6 April 2027, most unused pension funds and pension death benefits are due to be included in the value of an estate for inheritance tax. Death-in-service benefits are excluded, and in most cases pension benefits passing to a spouse or civil partner remain exempt. How this affects you depends on your circumstances, and tax rules can change. If your pension is a large part of what you plan to leave, we can review your plans with you.
Who is your wealth management service for?
People who have built substantial pensions, savings and investments and want a long-term relationship with an independent adviser. If we're not the right fit, we'll say so at our first conversation and point you towards help that is.
Do you advise on equity release?
We give whole of market advice on lifetime mortgages, the most common type of equity release. We do not advise on home reversion plans. We're members of the Equity Release Council.
Where do you meet clients?
Face to face at our office at Salomons Estate, Tunbridge Wells, by Microsoft Teams video call, or by telephone, wherever you are in the UK. Your first conversation is free.
First steps
Start with a conversation.
Your first conversation with us is free and comes with no obligation. It has three purposes:
- 1You ask us questionsAbout us, how we work and anything that is on your mind.
- 2We understand your situationWhat you have, what you want it to do, and what concerns you.
- 3Together we decideWhether Armstrong Wealth Ltd is right for you, and how we can help.
What happens next
- Following your enquiry, we'll be in touch by telephone or email.
- We meet face to face at our Tunbridge Wells office, by Teams video call or by telephone, whichever you prefer.
- You are welcome to bring a family member or anyone else you'd like with you.
Prefer to talk?01892 576577
What would you like to talk about?
Choose the option closest to your situation, then book a meeting.
A free first conversation about your wealth, retirement or inheritance plans. Duncan Armstrong leads our wealth and planning advice.
Book a meetingA free first conversation about buying, remortgaging, repaying an interest-only mortgage or borrowing into retirement. Henry Armstrong leads our mortgage advice.
Book a meetingA free first conversation about lifetime mortgages. Henry Armstrong leads our lifetime mortgage advice. Family members are very welcome to join.
We give whole of market advice on lifetime mortgages. We do not advise on home reversion plans.
Book a meetingNot sure where to start? Book a free conversation and we'll look at your whole position together.
Book a meetingPrefer not to book online?
Bookings are made through Microsoft Bookings. Please don't send documents by email; we'll provide a secure upload link if needed. Read our privacy notice.
Areas we cover
Financial advice for people living in the following areas.
We advise clients across Kent, Surrey and Sussex by telephone, Teams video call or at our office in Tunbridge Wells. Choose your area to see the advice we offer there.
Kent
- Tunbridge WellsFinancial planning · Mortgages · Lifetime mortgages
- SevenoaksFinancial planning · Mortgages · Lifetime mortgages
Surrey
West Sussex
- Haywards HeathFinancial planning · Mortgages · Lifetime mortgages
- HassocksFinancial planning · Mortgages · Lifetime mortgages
East Sussex
- Brighton & HoveFinancial planning · Mortgages · Lifetime mortgages