A S Wealth Management

26/08/2026

Market ups and downs can feel unsettling, but they don’t have to derail your long-term goals.

📖 Discover how diversification, risk management and staying invested can help you navigate volatility and build a more resilient retirement portfolio:

https://as-wealth.co.uk/article/detail/sjpp/planning-for-retirement-in-volatile-times.html

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives

SJP Approved 20/1/2026

On the surface, investing for retirement may seem straightforward – the younger you are, the more risk you might be prepared to take with your investment portfolio. For those approaching retirement, derisking their portfolio is likely to be a preferred approach.

17/08/2026

Financial planning isn't something you do once and forget about.

As your career, family and ambitions evolve, your financial plan should evolve too.
Whether you're just starting your career, raising a family or preparing for retirement, having a clear financial planning checklist can help you stay focused on your long-term goals.

Financial Planning Checklist: Key Steps for Every Stage of Life:

https://www.as-wealth.co.uk/article/detail/2026/july/financial-planning-checklist.html

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

Financial planning isn't something you do once and forget about. As your career, family and ambitions evolve, your financial plan should evolve too.

13/08/2026

Behind every financial plan, every client meeting and every conversation is a team that's passionate about helping people achieve their financial goals.

At AS Wealth Management, we're proud to build long-term relationships with our clients, putting them at the heart of everything we do.

Whether you're looking to build, grow, protect or preserve your wealth, our focus is on providing clear, personalised advice that gives you confidence in your financial future.

Although financial planning is what we do, people are what matter most.
We believe in taking the time to understand your goals, keeping in touch throughout your journey and being there when you need us.

From left to right, meet the team:
📍 Katie- Partner & Head of Clients Experience
📍 Andrew – Partner & Financial Adviser
📍 Ian- Paraplanner
📍 Lulu- Partner Support Specialist

Thank you to all our clients for continuing to put your trust in us: we're looking forward to helping many more individuals, families and businesses achieve their financial ambitions.

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives

SJP Approved 29/07/2026

10/08/2026

As retirement gets closer, views on risk often begin to change.
The shift from saving to taking an income can raise important questions about how investments are structured, particularly in periods of market volatility.
This article looks at how de risking works in practice, why it’s not about sudden changes, and how a balanced approach can support long term financial plans.

🔗 Read more:

https://www.as-wealth.co.uk/article/detail/sjpp/approaching-retirement-what-is-the-right-time-to-de-risk.html

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives

Moving from decades of building wealth to relying on investments for income is a significant transition. At this point, many people begin to think more carefully about risk, particularly how much of it they are comfortable taking.

06/08/2026

Client story: Making the retirement dream a reality

Until they sought financial advice, Mark and Blanche had thought they may have to sell their beloved home on the Gower Peninsula in Wales and downsize to fund themselves in later life.
In fact, despite them both having high-level jobs and paying into pensions, neither was sure what their retirement might look like.

Find out how financial advice helped them here:

https://www.sjp.co.uk/individuals/client-stories/making-the-retirement-dream-a-reality

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

03/08/2026

Meet the Team: Andrew Stewart- Partner and Financial Adviser at AS Wealth Management.

Andrew founded AS Wealth Management in 2017 with a simple goal: to provide clear, personalised financial advice that puts clients first.

Before moving into financial services, he spent 14 years in education, including serving as Headmaster of one of Scotland's leading preparatory schools.
That background has shaped his approach today: making financial planning easy to understand, approachable and tailored to each individual.

Andrew specialises in working with business owners, company directors, city professionals and those planning for or enjoying retirement, helping clients build, grow, protect and preserve their wealth.
He believes every meeting should be centered around the client's goals, taking the time to understand what matters most before recommending a financial plan.

Whether you're thinking about retirement, investing for the future or protecting your family's financial wellbeing, Andrew is passionate about finding practical solutions that give clients confidence and peace of mind.

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

SJP approved 29/07/26

30/07/2026

Saving into a pension is one of the most tax-efficient ways to prepare for retirement. One of the biggest advantages is pension tax relief: a government incentive designed to encourage people to save for later life.

However, many people aren't entirely sure how pension tax relief works or whether they're receiving all the tax relief they're entitled to.

👉 Pension Tax Relief Explained: How to Make the Most of Your Retirement Savings

Taxation rules can change at any time and are dependent on individual circumstances.

https://www.as-wealth.co.uk/article/detail/2026/july/pension-tax-relief-explained.html

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

SJP approved 20/07/2026

Saving into a pension is one of the most tax-efficient ways to prepare for retirement. One of the biggest advantages is pension tax relief: a government incentive designed to encourage people to save for later life.

27/07/2026

Meet the team: Katie, Head of Client Experience

Katie brings a huge sense of calm to the office and we all appreciate her clear thinking.
She loves being a point of contact for all new and existing clients while keeping the office running smoothly with her exceptional eye for details and organisational skills.

In the past Katie has worked with horses and been a private chef.

23/07/2026

A fulfilling retirement doesn’t just happen - it’s built with careful planning and expert advice.

Whether you dream of traveling the world, diving into personal passions, or simply embracing financial freedom 💰, your retirement should be defined by YOU.

The key? A well-thought-out plan with the right guidance to make it a reality.
Let’s start shaping your future 🚀

Talk to me today:

https://www.as-wealth.co.uk/

AS Wealth Management is a trading name of Able Solutions Wealth Partnership, which is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

SJP Approved 11/3/2026

20/07/2026

Meet the team - Lulu, Partner Support Specialist.

As a Partner Support Specialist at A S Wealth Management, Lulu plays a key role in ensuring clients and advisers receive seamless, high-quality support.

She recently achieved her BA in Business and she brings a fresh and focused perspective to the team.

With a background in luxury hospitality, Lulu has a natural talent for organisation and client care, skills she now applies to the world of wealth management.

Outside of work, she enjoys weightlifting, true crime documentaries and loves exploring new places whenever she gets the chance to travel.