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, Kent
Wealth management in Tunbridge Wells, independent and clear.
You've spent a lifetime building wealth. What happens next?
Armstrong Wealth Ltd, based in Tunbridge Wells, offers independent financial planning and wealth management advice to individuals and families living in Tunbridge Wells and nearby areas such as Southborough, Rusthall, Langton Green, Speldhurst and Pembury.
- Independent adviceNot tied to any provider.
- Advising clients since 2014From our office at Salomons Estate, Tunbridge Wells.
- Experienced, qualified advisersLed by Duncan Armstrong, financial adviser since 1994.
- Authorised and regulatedFRN 1038543. Check the FCA register
Start with your situation
Where are you now?
Our clients have often done the hard part already. They have 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?
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.
You stay in control of every decision. Our job is to make each one clear.
- 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.
- 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 would like to do for your family.
- 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
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.
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.
- 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. Estate and tax planning are charged separately and are not regulated by the Financial Conduct Authority.
- 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.
Tunbridge Wells, Kent
Financial advice for Tunbridge Wells and the surrounding area.
Armstrong Wealth Ltd are independent financial advisers for Tunbridge Wells and nearby areas including Southborough, Rusthall, Langton Green, Speldhurst and Pembury, from our office at Salomons Estate on the edge of the town.
Tunbridge Wells is in Kent. Most of our clients work with us by telephone and Teams video call. You are also welcome to meet us at our office at Salomons Estate, Tunbridge Wells. If your circumstances make it difficult to speak to us or come to us, please tell us and we will discuss the best way to meet.
Your adviser
You'll always know who you're talking to.
Fees
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.
Initial and ongoing adviceAn initial advice fee, and a fee for ongoing services, when selected.
Estate and tax planningCharged separately and agreed before any work begins.
Common questions
Wealth management questions in Tunbridge Wells, answered.
Do you offer financial planning to people living in Tunbridge Wells?
Yes. We offer independent financial planning and wealth management advice to people living in Tunbridge Wells and nearby areas, including Southborough, Rusthall, Langton Green, Speldhurst and Pembury, by Teams video call, telephone or at our office in Tunbridge Wells.
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.
What does wealth management include?
An ongoing advice relationship: we build your financial plan, recommend and oversee the investments within it in line with your agreed attitude to risk, and review it with you regularly as your life, the tax rules and markets change.
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 are not the right fit, we will say so at our first conversation and point you towards help that is.
How much does wealth management cost?
Your first conversation is free. There is an initial advice fee and a fee for ongoing services, when selected. Estate and tax planning are charged separately. Every fee is explained and agreed in writing before any work begins.
First steps
Start with a conversation.
Your first conversation is free and comes with no obligation. You ask us questions, we understand your situation, and together we decide whether and how we can help.
What happens next
- Following your enquiry, we'll be in touch by telephone or email.
- We speak by Teams video call or telephone, or meet at our Tunbridge Wells office.
- You're welcome to bring a family member or anyone else you'd like with you.
Book your free conversation
Book a meeting online, or call or email us.
Book a meetingPrefer not to book online?
The value of investments can fall as well as rise, and you may get back less than you invested.