Financial Services

ACM have always provided a Financial Services offering to complement the general insurance and risk management services we provide. This enables us to offer both our corporate and individual clients a 'one-stop shop' for all their insurance needs.

The Financial Services team is headed by Andy Skuse, who has over 20 years experience in the industry; with 12 years as an independent financial adviser. The team is based at our new office in Hitchin.

We can offer completely independent financial advice in the following areas:

Corporate Risk

Employees have become more and more aware of the many and varied staff benefits available and they have become a major tool in the recruitment and retention of quality staff. We can assist employers with advice to align their benefits strategy with business strategy. This is achieved by a team approach and working with you to ensure optimum value for your expenses and those of your employees.

Group Risk Benefits

The provision of Death In Service Benefits, Long Term Disability Benefit (PHI), Critical Illness Cover and also Private Medical Insurance on a group basis. Larger organisations may wish to offer a 'flexible benefits' arrangement, which offers a menu of options to staff allowing them to choose appropriate types and levels of cover.


Following the Stakeholder legislation, and more recent government proposals, employers have a number of options for retirement benefits both for themselves and staff. Advice can be provided on all the current options including Executive Pensions, Occupational Pensions, Personal Pensions and Stakeholders.

Business Protection

Employers will typically insure virtually every element of company property, with the exception of possibly their most important asset - their staff. ACM can provide solutions not only to protect the business against the loss of key personnel but also advise on business succession.

Executive Solutions

Directors and Senior Executives may often have more complex financial needs and bespoke and comprehensive financial advice can be provided to include tax-planning opportunities and 'topping up' existing pension provision.


The market for corporate financial planning is complex and constantly changing, as evidenced by the government's recent proposals for Pensions Reform. During the current year, as these proposals take shape, ACM will be able to provide you with more focused and relevant information on how the changes may affect you.

Personal Financial Planning

We provide a full range of financial planning services covering every stage of your personal and working life including:

  • Joining or leaving an employer
  • Moving House
  • Working Abroad
  • Reviewing finances mid-career
  • Redundancy
  • Managing retirement
  • Coping with Bereavement

Typically, we provide advice in the following areas:

Life Assurance, Critical Illness Cover and Income Protection

Protection for you and your family against death or serious illness.

Retirement Provision

Optimising the assets you have built up over your working life to ensure sufficient income is provided whilst protecting the value of those assets wherever possible.

Regular and Lump Sum Savings

Using tax-efficient savings vehicles tailored to your specific requirements when planning for the short, medium and long term.

Inheritance Tax Planning and Long Term Care

Mitigating the potential for large tax burdens on your dependents and planning for later in life.

Please contact us to discuss your insurance requirements or arrange an appointment.
Tel:    +44 (0) 1462 410018