What we can do for you today
We help you make suitable & well-informed financial decisions, then support you to implement our recommendations
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Financial planning
Our advice turns financial complexity into a clear plan for the life you want to live
Make financial decisions with an expert plan shaped around your life, family, values, and future goals & objectives
We understand what matters to you, what is possible, and what to do next
Investment Advice
Our co-designed portfolios help you invest with good purpose, with a clear understanding of what your money supports
Make investment decisions guided by our expert approach – focused on delivering financial quality, sustainability, responsible stewardship, and positive impact
We look beyond labels, marketing claims, and greenwashing to understand what your money is really invested in
Pensions
Your pension should be more than a pot of money you rarely think about
Make pension decisions with expert guidance on contributions, tax allowances, investment approach, retirement timing, and long-term income needs
We improve & adapt the role your pension plays in building the life you want during retirement
Cashflow Modelling
Your future is easier to plan when you can see the moving parts
We model different scenarios so you can understand how your money may support your life through potential life events & alternative market conditions
Navigate your life with greater confidence by seeing how your future may respond to different choices today
Retirement Income Planning
Life after working should feel relaxed & structured
You should always know you have enough to live comfortably
Our advice informs those important decisions about how much to take, where income should come from, and how to balance flexibility with long-term security
Savings & ISAs
A good savings strategy gives your money purpose & structure
We balance security, flexibility, and long-term growth potential when advising you on cash & short-term investments
Make decisions about cash, ISAs, investment risk, tax efficiency, and access to money with our expert advice shaped around you & your family
Protection & Insurance
Insurance should protect what would be hardest to replace
We assess the financial impact of illness, death, or disrupted income on your family & future plans
We help you find & set up suitable protection with clear advice on what you need, what you do not, and how to manage an uncertain future
Tax Advice
Your tax position should be part of your financial plan, not an afterthought
We consider how different taxes affect your income, investments, pensions, estate, and family-planning decisions
Achieve a clearer view of your income & wealth by understanding what is efficient, appropriate, and suitable for your circumstances
Trusts
Trust planning is about control, protection, and the people you care about
We consider how trusts may support family wealth, vulnerable beneficiaries, inheritance planning, and long-term financial intentions
We help you make informed decisions about whether trust arrangements could help your family now or in the future
Cash & Banking
Everyday money should feel organised, accessible, and under control
We consider how cash, banking, withdrawals, and short-term access fit around your life, spending, and wider financial plan
Our approach keeps your day-to-day finances clear & accessible at all times
Long-term Care Planning
Care planning is easier before decisions become urgent
We consider future care needs, care costs, family support, home arrangements, and how later-life decisions may affect your finances
Plan ahead with calm, market-leading advice that helps protect your choices, dignity, and family relationships
End-of-life & Estate Planning
Later-life planning should make things easier for the people you love most
We consider inheritance plans, tax efficiency, family needs, care planning, legal arrangements, and the practical steps that may reduce future stress
Create a plan that helps reduce uncertainty & supports your family across generations
Wills Guidance
Your Will should make things simpler for the people you love
We consider the financial objectives & other personal concerns that may need to be reflected in your Will
Prepare for legal advice with greater clarity around your wishes, responsibilities, and estate-planning goals
LPAs Guidance
Pick the right people to help you before you need them
We work with you & your Lasting Powers of Attorney to protect your voice if life gets harder to manage alone
We help you decide who may best support your decision-making if illness, age, or loss of capacity affects your independence
How we can support you for the road ahead
Life is constantly changing... Markets move, tax rules update, and personal priorities adapt
How to become a long-term client of Ayres Punchard
Initial Advice
We work with you to understand your individual:
- Personal circumstances
- Family setup
- Goals & objectives
- Income, assets, debts, and pensions
- Attitude to risk & capacity for loss
- Values, preferences, and restrictions
Recommendation
We present our recommended action(s) based on:
- What you have told us
- Your objectives & priorities
- Any restrictions you have placed on our advice
- Our research, judgement, and professional expertise
- What we believe is suitable for your circumstances
Implementation
Once you decide how to proceed, we help you:
- Understand the practical next steps
- Complete forms & provider requirements
- Put agreed recommendations in place
- Keep the process clear, careful, and organised
- Move at a pace that feels right for you
Choose your Plan
Where ongoing advice is agreed, we continue to review:
- Your financial plan at least once every 12 months
- Changes to your circumstances or priorities
- Your investments, pensions, protection needs
- Changes to your attitude to risk & capacity for loss
- The level of support you receive so that our support remains suitable for you
Choose your Ayres Punchard Review Plan
Our four ongoing service plans are designed to match the complexity of your finances with the appropriate frequency of review as well as provide you with continued support & guidance
The Stag Plan
Designed for General Stewardship
Intended for clients who want an annual review & less-frequent level of ongoing support during the year
6 hours of advice per year, minimum
This may suit you best if your financial affairs are relatively consistent, and you are comfortable with fewer formal review points or want to know your plan is being reviewed at least once every 12 months
The Bull Plan
Designed for Regular Guidance
Intended for clients who want quarterly reviews & more frequent level of ongoing support during the year
22 hours of advice per year, minimum
This may suit you best if your financial affairs or investments benefit from more regular review, and you are comfortable with formal review points every 3 months or want closer oversight of your financial plan throughout the year
The Bear Plan
Designed for Close Support
Intended for clients who want monthly reviews & high level of ongoing support during the year
36 hours of advice per year, minimum
This may suit you best if your financial affairs, later-life planning needs, or practical day-to-day financial support needs require closer involvement, and you are comfortable with formal review points every calendar month
The Key Plan
Designed for Tailored Care
Intended for clients whose needs do not fit neatly within the Stag, Bull, or Bear plans
Hours range from 3 to 50 hours of advice per year, based on our current Key Plan clients
This may suit you best if you have more complex circumstances, high net worth, family or trust arrangements, multiple objectives, or wider needs that require a tailored annual support allowance
Data from our current clients
Distribution of our households & trusts, by review plan type
Distribution of our total advisory hours across all clients, by review plan type
The data shown is correct as of 15 July 2026 & represents an internal snapshot of our active clients with an onging review plan in place
For simplicity, the term “clients” includes households & trusts receiving an ongoing service from Ayres Punchard
The client distribution is based on 53 clients across the Stag, Bull, Bear and Key review plans
The hours distribution is based on 754 planned annual service hours across all four review plans
Percentages are rounded to the nearest whole percentage & are marked with ~ where the displayed figure is approximate
The figures may change as clients join, leave or move between plans, and as their circumstances & service requirements develop
The hours shown represent planned or expected service time & do not guarantee that every client will require exactly the same amount of work during a particular year
Important Disclaimer
Our ongoing service plans are recommended based on a full assessment of your circumstances, objectives, financial needs, and the level of support you are likely to require
We will never recommend a plan simply because it is more expensive or more convenient for us. Our recommendation will be based on what we believe is appropriate for your needs
You do not have to accept our recommended plan. You may choose a different plan if you feel it better suits your preferences, provided we are satisfied that it remains appropriate for your circumstances
You can ask to change your ongoing service plan at any time. Any change will need to be agreed with us, and all fees relating to your previous plan must be paid in full before the new plan begins
We may update, replace, or withdraw our ongoing service plans in future. If this affects you, we will explain the change clearly & continue to support you in line with our agreed terms
Full details of each plan (including what is & is not included) will be provided separately before you agree to proceed
Explore the positive impact you could achieve with your investments
Our deeper green investment approach to responsible investing is built on evidence, stewardship & positive impact
The Key to the Future
Model Portfolio Service
Designed for Responsible & Ethically-Engaged INvestors
Intended for suitable clients who want their investments to reflect responsible ownership, ethical engagement, and positive impact
A co-designed range of deep-green portfolios, including capital growth options as well as an income option
This may suit you best if you want your money to be invested with purpose, discipline, and a clearer understanding of how your portfolio supports transition to a fairer & improved economy for people-and-planet
Why we do not publish our fee schedule online
We believe in being open & transparent about what our advice costs, but we have chosen not to publish our full fee schedule directly on our website
Automated AI web-crawlers & content-scraping tools increasingly collect, copy, and reuse website content without context. Fee information can become outdated, misrepresented, or separated from the explanation needed to understand how our charging structure works
We provide our full fee schedule when you get in touch, so we can confirm the current rates and explain which type of work or service may be relevant to your circumstances
Before any chargeable work begins, we will explain what the work is likely to involve, how our fees are calculated, and ask for your agreement to proceed
