Business Financial Solutions with AJWM

Strategic Financial Planning for Business Growth and Security

While you’re busy driving the business and your teams, consider us your seamless financial extension. We handle the financial logistics with tailored business solutions that protect your business, attract talent, and secure your future.

Years in business

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Clients

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Years of experience

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+10 years clients

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Complete Financial Solutions, Easily Outsourced

Business Protection & Assurance

We safeguard what you’ve built with tailored protection solutions for your business and its key people, covering your business when unexpected challenges arise.

Key-man Assurance

Key-man Assurance is a life insurance policy taken out by a business on the life of an employee who is crucial to the company’s success. If that key person were to die or become critically ill, the policy pays out a lump sum to the business. This can help cover financial losses, recruit a replacement, or support the business during a difficult transition period.

Co-director Protections (Shares)

For businesses with multiple directors, Co-director Protection is essential. This involves setting up agreements and corresponding life or critical illness cover that allows the surviving directors to purchase the shares of a deceased or incapacitated director. This ensures the smooth continuation of the business and provides a fair value for the departing director’s estate.

Executive Life Cover

Executive Life Cover is a life insurance policy provided by a company for a key executive or director. The policy pays a lump sum to the company upon the death of the insured. This can be a tax-efficient way for a company to provide a death benefit or to fund a buy-sell agreement related to share ownership.

Executive Income Protection

Similar to personal income protection, Executive Income Protection is a policy taken out by a company on a key executive or director. It provides a replacement income to the company if the insured individual is unable to work due to illness or injury. This helps the company continue to meet financial obligations and can contribute to the executive’s recovery period without impacting business finances severely.

Commercial Mortgage Protection

While typically associated with personal home purchases, mortgage protection can also be relevant for businesses with commercial mortgages. This type of insurance pays off the outstanding commercial mortgage on a property in the event of the death of a key individual involved in the business who is crucial to servicing the mortgage. Adding specified serious illness cover is also an option to provide further protection.

Employees' Pensions & Benefits

We give your team the personal guidance they need to build a secure financial future, helping you attract and keep your most valuable talent.

Company Pension Solutions

We use specific financial products, often life insurance, to help cover potential inheritance tax bills. This means your beneficiaries receive the full value of their inheritance without needing to sell assets just to pay taxes.

Personal Retirement Savings Accounts (PRSA)

A personally owned pension that enhances your employees’ retirement security and benefits. Providing flexible pension options encourages savings, and can improve employee satisfaction and retention.

SIO – Self Investment Options

Self-Investment Options (SIOs) can be incorporated into certain corporate financial products, such as company pensions or investment bonds. They offer businesses more flexibility and control over the investment strategy for these funds, allowing for tailored approaches aligned with the company’s financial objectives.

Corporate Financial Planning & Investments

Planning for your business’s future also means planning for your own. Explore our retirement planning solutions specifically for business owners and directors.

Corporate Investment Bonds

Corporate Investment Bonds are lump-sum investment products designed for companies. They can be used to invest company funds for various purposes, such as future expansion, or providing long-term savings. They offer potential for growth and can be a tax-efficient investment vehicle for businesses.

Corporate Savings Policies

Corporate Savings Policies are structured savings plans for businesses, allowing regular contributions to build up funds over time. These can be used for specific business goals, such as building reserves or saving for future projects.

Companies We Represent

Say Goodbye to Financial Uncertainty in Your Business

Why Directors & CEOs Choose Us

Clear & Simple Communication

We know not everyone is a financial expert. We use simple, clear terminology that bridges any knowledge gaps and make complex financial logistics simple and easy. We do our best to always be friendly, approachable, and transparent.

Personal Service & Long-Term Relationships

All clients work directly with Andrew, the owner and MD; no faceless brokers here. Your unique business needs get personal attention, creating strong, long-lasting relationships based on trust and reliability. Our average client relationship lasts over 10 years!

Your Outsourced Financial Department

We deliver expert, transparent, and tailored solutions for both your company and your people, so your leaders can focus on driving the business. AJWM’s recommendations are always based on integrity, reliability, and a genuine commitment to your success.

Trusted Partnerships, Lasting Impact

I have had the privilege of working with Andrew for the past 8 years, and his expertise and dedication have greatly benefited my financial well-being. Andrew took the time to understand my financial goals, risk tolerance, and personal circumstances, which immediately instilled trust and confidence in his abilities. His deep knowledge of financial markets and investment strategies is evident in the comprehensive and tailored recommendations he provided for me. I would highly recommend Andrew for anyone interested in their financial well-being.

Kevin TeevanMD TVO Innovations ltd

I have engaged Andrew Johnston and Wealth Management on multiple occasions over the years. Recently, I sought Andrew's advice on pension options for my company. Despite missing out on a profitable director's pension, Andrew reassured me that a new and equally beneficial pension would become available within a year or two. Inspired by his knowledge and confidence, I patiently waited and eventually secured a different but noteworthy Director's pension through Andrew. I highly recommend Andrew Johnston of Wealth Management for director's pension advice.

Eavan DiamondDiamond Architects

Andrew Johnston of AJWM Ltd has looked after our DPF Ltd staff scheme since 2016 and has given an excellent service to date. The service mode that Andrew Johnston implements, takes most of the workload and hassle away from the day-to-day workings within DPF. Andrew regularly conducts onsite visits - dealing with new members, leaving members and ongoing queries relating to the smooth running of the Group Pension. We in DPF, would have no problem endorsing the services provided by AJWM ltd to both similar sized companies and/or individuals.

Seamus LancasterMD at DPF Engineering

Your Most Valuable Assets Deserve Expert Care & Protection

We’re here to provide clear, simple advice and solutions that give you lasting peace of mind and protects your business long-term.