The Wealth Manager is an Essex firm. We are based at Lynfield in Roydon, in the west of the county, and most of our Essex clients live in Harlow or the towns and villages of the Epping Forest district. We also work with people right across Essex by video call and phone.
Rooted in west Essex
Roydon lies in the Epping Forest district, right next to Harlow and on the border with Hertfordshire. From here, Harlow is a few minutes away, Nazeing is next door, and Epping and Waltham Abbey are a short drive south. We are a family-run firm: Laurence Gould leads on pensions, investments and business protection, Kealy Ball is our mortgage and protection specialist, and Christine Ball runs the office.
Wealth management in Essex, explained simply
“Wealth management” can sound like something only for the very well off. In practice it simply means managing all the parts of your financial life as one plan, rather than in separate boxes. For most of our clients that involves some or all of the following:
Retirement
Making sure your pensions are working for you, deciding when you can afford to stop work, and planning how to draw an income. Start with our pensions and retirement page and the income drawdown guide.
Investing
Putting money you will not need for some years to work, with a level of risk you are comfortable with. See investments. The value of investments can go down as well as up.
Protecting your family and income
Life cover, critical illness cover and income protection. See protection and our guide to critical illness cover.
Your home
Mortgages for buying, moving and remortgaging, arranged by Kealy Ball. See mortgages.
Your business
Key person cover, shareholder protection and relevant life plans for business owners. See business protection and the relevant life plan guide.
Our Essex towns
Each of these pages looks at a different town and the questions people there tend to ask.
Harlow & Old Harlow
Our nearest town. Pensions, first homes, protection and local businesses.
Roydon
Our home village, and what working with us looks like.
Epping
Planning for commuters and families at every stage.
Waltham Abbey
Business owners, landlords and long-term planning.
Nazeing
Family businesses and the households behind them.
Loughton
Estate and inheritance tax planning by the forest.
Chelmsford
Advice by video for the county’s city.
We also help clients in Roydon Hamlet, Broadley Common, North Weald, Hatfield Heath and the surrounding villages. If you are elsewhere in Essex, we can work with you by video call and phone.
Choosing a financial adviser
Whoever you choose, it is worth asking a few questions before you commit:
- Is the firm authorised by the Financial Conduct Authority? You can check on the FCA register.
- What areas do they advise on, and who will you actually deal with?
- How are they paid, and what will it cost you? Any costs should be explained clearly before you go ahead.
- How will they keep your plan under review?
- Do you feel comfortable asking them questions?
We are happy to answer all of these in a first conversation. Our article on choosing a financial adviser covers the subject in more detail. The Wealth Manager is a trading style of Julian Harris Adviser Network Limited, which is authorised and regulated by the Financial Conduct Authority.
In person or online
Clients near Roydon often like to meet face to face, while others prefer the convenience of a video call from home or work. Either is fine, and you can switch between them. Documents can be shared securely, so distance does not get in the way of good advice.
Getting started
Booking online sets up a free Google Meet video call with Laurence or Kealy. If you would prefer to talk by phone or meet at our Roydon office, call 0333 011 5550, or send a message through our contact page.
Across the border
Hertfordshire
Our Hertfordshire towns, from Hertford to Cheshunt.
Sawbridgeworth
Just north of Harlow, over the Stort.
Areas we cover
Every town and village we serve.
Speak to an Essex financial adviser
Your first conversation is free and there is no obligation.
Book a free first conversationImportant — the risks
The performance of your investments is subject to risk. Its performance may fluctuate based on movements in the market and economic conditions. Capital is at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of future performance. Tax treatment is based on an individual’s unique circumstances and may be subject to change.
A pension is a long-term investment — the fund value may fluctuate and can go down, and your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages, such as commercial buy-to-lets, are not regulated by the FCA.
Frequently asked questions
Where in Essex are you based?
At Lynfield, Harlow Road, Roydon, Harlow CM19 5HH, in the Epping Forest district next to Harlow.
Do you work with clients across the whole of Essex?
Yes. Clients close to Roydon often meet us in person, and those further away usually meet us by video call or phone.
Is wealth management only for people with large investments?
No. It simply means looking at your pensions, savings, protection and property together. We help people at every stage of life.
Are you regulated?
Yes. The Wealth Manager is a trading style of Julian Harris Adviser Network Limited FCA No 304155, which is authorised and regulated by the Financial Conduct Authority.
Is the first meeting free?
Yes. The first conversation is free and with no obligation.
Laurence leads on pensions, investments and business protection. More about Laurence.
Important: This page is general information about the areas we serve and the services we offer. It is not personal financial advice. For advice on your specific circumstances, please get in touch.