Family Financial Planning with AJWM

Every Family Needs a Doctor, an Accountant and a Financial Advisor

Financial planning for your family goes beyond managing money; it’s about creating a roadmap to achieve your goals and protect your loved ones. We’re here to help you navigate these complexities, so you can focus on what matters most – your family.

Years in business

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Clients

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Years of experience

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Over 10 years clients

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Complete Financial Solutions with Clear Terms that are Hard to Beat

Protection

Life can take unexpected turns – that’s why financial protection matters.
Here are the cover options we offer to help you and your family stay financially secure through illness, loss of income, or any other curveball life throws your way:

Critical Illness Protection

Critical Illness Protection pays out a lump sum if you are diagnosed with a specified serious illness. This lump sum can be used to cover medical expenses, adapt your home, or provide financial support to your family during a challenging time so you can focus on your health.

Mortgage Protection (Decreasing Life Cover)

Mortgage Protection is designed to pay off the outstanding balance of your mortgage if you pass away before the mortgage is fully repaid. The cover amount decreases over time, mirroring the decreasing balance of your mortgage. It provides essential security for your family, ensuring they can remain in their home if anything happens to you.

Term Assurance (Consistent Life Cover Over a Set Term)

Term Assurance provides a fixed lump sum pay-out if you pass away within the specified term. This can be used for various purposes, such as covering living expenses for your family, funding children’s education, or clearing other debts. The cover amount remains consistent throughout the term of the policy.

Dual Life Cover (for couples)

Dual Life Cover is a single policy that covers two people (typically for couples). It pays out on the first death, providing financial support to the surviving partner and family. While two separate policies might offer slightly more flexibility, Dual Life Cover can be a convenient and cost-effective option for couples seeking life insurance.

Personal Income Protection

Income Protection is a vital safety net for your family. It’s a type of policy that provides a regular monthly income if you are unable to work due to illness or injury. While sick pay or savings can offer temporary relief, Income Protection ensures your essential outgoings like mortgage, bills, and family expenses can continue to be paid while you focus on recovery.

Inheritance & Succession Planning

Making a plan for what happens to your assets is one of the most caring things you can do for your family.

We’ll help you put the right structures in place to pass things on smoothly and reduce the tax burden on those you leave behind.

Sectioned Policy Solution

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.

Savings & Investments

Whether it’s funding your children’s education, a down payment on a home, or any other life goal – these are the products we use to make sure you achieve those goals:

Personal Investment Bonds

A Personal Investment Bond is a lump-sum investment product that can be a tax-efficient way to grow your money long term. It offers flexibility and access to a range of investment options, suitable for various financial objectives.

Regular Premium Savings Policies

These policies allow you to save a fixed amount regularly over a set period. They can be a disciplined way to build up funds for specific future needs or to simply accumulate wealth gradually.

Self-Investment Options (SIO)

Self-Investment Options (SIOs) provide greater control over how your investments are managed within certain structures, such as pensions or investment bonds. This allows for potentially more tailored investment strategies, guided by our expertise.

Retirement

Planning for retirement can feel overwhelming – but it doesn’t have to be.

With our retirement planning service, includes mapping and sorting out all your accumulated pensions, so your money works harder for your future.

Take the Next Step To Financial Peace of Mind

Personalized Financial Solutions in 3 Simple Steps

01 Free Consultation Meeting

Let's start with a relaxed, no-obligation chat. We'll get to know you, your family's circumstances, and your financial goals and concerns. This is your opportunity to ask questions and see how we can help – without any pressure.

02 Tailored Solutions

Based on our discussion, we'll develop a clear, personalised financial plan outlining the most suitable solutions for your family's needs. We'll explain everything in simple terms, ensuring you fully understand our recommendations.

03 Letter of Suitability

We'll provide you with a comprehensive Letter of Suitability. This document clearly outlines the products recommended and why they are suitable for your specific situation, giving you confidence and clarity in your financial decisions.

Our Long Lasting Relationships

I am delighted to provide this testimonial for Andrew Johnston of AJWM Ltd. 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 Teevan, MD8 years client

Andrew has been my advisor for several years now. I had several decent pensions with previous employers (AIB Bank and Google, for example) and wanted to see how best to manage these and simplify things. Andrew is very helpful, efficient and honest and I would recommend him to provide straightforward and pragmatic advice.

Linda Talbot, Program Manager 5 years client

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 Diamond, Architect 10 years client

I‘ve dealt with Andrew Johnston Wealth Management in Wicklow Town recently and found his expertise and advice extremely helpful in relation to a New Personal Pension which he helped set up for me. His frank and friendly manner made him very approachable and his responses to any queries were provided quickly. I strongly recommend him for any Pensions and Investment related services that anyone might need.

Richard Simmons, Photographer2 years client

Secure You Financial Future Today

We’re here to provide clear, simple advice and solutions that give you lasting peace of mind.