Personal Asset Management

Business Details

Trusted Financial Advisers in Kingskerswell

We are a family-run firm of Independent Financial Advisors with over 50 years combined experience, including a Chartered Financial Planner. Our expertise spans mortgages, equity release, Inheritance Tax planning, investment planning, and retirement planning. We prioritise client needs, offering tailored advice to individuals, businesses, Trusts, and Charities. Based in Kingskerswell, we serve clients across the South of England, providing a proactive service with annual reviews, half-yearly reports, and monthly market updates.

Our transparent fee structure includes a free 30-minute consultation, and we utilise a secure Client Portal for real-time account access. We maintain industry knowledge through continuous professional development and seminars, ensuring advice aligns with legislative and market changes.

Services

Investment Advice Mortgage Advice Pension Planning Equity Release Estate Planning

Highlights and features

We have over 50 years of combined experience in financial services.
Our team includes a Chartered Financial Planner.
We offer whole-of-market, independent mortgage advice.
We provide proactive portfolio management with regular client updates.
We are locally based in Kingskerswell with regional expertise.

Associations and certifications

Financial Conduct Authority

Website

Update Listing

Services

Investment Advice

We provide tailored investment strategies for clients with 50,000+ to invest, offering diversified portfolios across equities, bonds, and property. Our advisory model ensures client involvement in decision-making, with risk profiling to align investments with financial goals. Services include ethical investing and ongoing portfolio reviews.

Mortgage Advice

Our whole-of-market mortgage advice covers first-time buyer, remortgaging, buy-to-let, and later-life mortgages. We offer independent guidance to secure competitive rates, with a 199 arrangement fee for standard mortgages and lender-paid commission disclosures.

Pension Planning

We help clients optimise pension arrangements through consolidation, risk assessment, and tax-efficient strategies. Services include state pension checks, retirement income planning, and access options for those aged 50+, with educational videos and annual reviews.

Equity Release

We advise on regulated equity release schemes for homeowners over 55, explaining lifetime mortgages and inheritance implications. Our guidance ensures clients understand tax impacts and alternative options for releasing capital from property.

Estate Planning

Our estate planning services focus on minimising Inheritance Tax through trusts, gifting strategies, and Business Property Relief investments. We provide STEP-affiliated expertise to structure assets for efficient wealth transfer while maintaining client control.

Questions

What investment options do you offer?

We offer diversified portfolios across equities, bonds, and property, including ethical investments and risk-targeted model portfolios for clients with £50,000+.

Do you provide mortgage advice for first-time buyers?

Yes, we offer whole-of-market mortgage advice tailored to first-time buyers' needs, including competitive rate comparisons and application support.

How do you charge for pension planning?

Pension planning fees are discussed upfront during a free consultation, with transparent pricing based on the complexity of your retirement goals.

Can you help with equity release?

Yes, we provide regulated equity release advice for homeowners over 55, explaining options and inheritance implications.

What areas do you cover?

We serve clients across the South of England, with office access in Kingskerswell for local residents.

How do you handle estate planning?

Our estate planning uses trusts, tax-efficient investments, and gifting strategies to minimise Inheritance Tax while aligning with your legacy goals.

Reviews (7)

Write a Review

Sam Jackson

Sep 03, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Oliver really helped us out and went above and beyond to help us when some minor issues occurred with our provider.

R. Hughes

May 07, 2021 Report

Ian at Personal Asset Management was my parents' Financial Adviser for over 30 years. He helped me with Probate and setting up a Trust fund after their death. His help was invaluable. He now looks after my own investments. I can highly recommend his service. Totally trustworthy.

Emma Barrett

Feb 07, 2021 Report

Positive:Quality
Oliver provided an excellent service & helped secure the right mortgage quickly & easily. As a first time buyer, I really appreciated being guided through the process with great communication via email/phone/in-person. Highly recommend PAM's services.

Beth Blackmore

Feb 04, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Couldnt recommend Oliver Pennicott enough! He was professional, knowledgeable and friendly. Oliver explained everything clearly, gave us really good advice and helped us secure a Morgage quickly! We had 100% confidence in him.

David Haslam

Jan 26, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Excellent personal service and a confidence in the best possible advice on a wide range of financial matters.

John Atkins

Jan 23, 2021 Report

I am completely happy with the service provided to me by Personal Asset Management and recommend them highly. Oliver explained everything to me very thoroughly and professionally and made some recommendations. All my questions were answered and I'm confident my pension provision is in a much better state than before. Oliver kept me updated through the process and answered emails very promptly.

Martha Lee

Jan 16, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Ollie was my mortgage broker and has been so professional, conscientious and thorough throughout. Friendly, responsive service with great advice. Thank you so much!