Edgewater Associates is part of Manx Financial Group plc, providing a wide range of financial services to the Isle of Man market. As a result of this connection, our clients benefit from financial security, corporate strength and extensive market expertise.
Offering advice for personal and corporate clients in our specialist areas of wealth management, retirement planning, protection, lending services and general insurance, we combine a superior level of service with extensive local knowledge.
Edgewater gives you access to the best products in the market and bespoke recommendations to meet your needs and aspirations, now and in the future.
Whatever the size of your investment, you want it to work as hard as possible.
We provide effective financial planning advice to meet your family’s dreams and aspirations. We offer tailor made solutions to meet your investment objectives that will match your attitude to risk. We provide regular financial reviews to ensure our advice is always relevant and appropriate.
A Self-Invested Personal Pension (SIPP) is a flexible pension with favourable death benefits that allows individuals to make their own investment decisions from a wide range of different sources, including (but not limited to) stocks and shares, Unit Trusts and Collective Investment Accounts, and both Commercial and Residential Property.
We work closely with a number of different providers, based in the Isle of Man and UK, and together we can help you consider whether a SIPP is appropriate to meet your retirement needs.
Whether you are looking to purchase your first home, move to a different property, arrange a new deal, or release equity to repay other commitments, our team of lending experts can help you.
We focus on one particular mortgage – the one that’s right for you; however, we can also assist with:
Planning for financial freedom later in life requires careful consideration; after all, you may spend many more years in retirement than in work.
Whether you’re looking to arrange your first pension or review your current arrangements, we offer specialist advice to help you maximise your return and ensure tax-efficiency. Furthermore, we will continue to monitor your arrangements to help you achieve the comfortable retirement you deserve.
Even with the best laid plans, life can take unexpected turns.
For this reason, it is vital to ensure that your loved ones are provided for in the event of your death or being off work for a long period due to accident or illness. The financial difficulties that may be encountered from the loss of your income can normally be avoided at little expense.
We offer advice on a wide range of products designed to protect you, your family and even your business from financial uncertainty. An accident or ill-health may prevent you from working, but we can ensure your finances stay healthy.
There are many potential incidences in life which could cause loss or injury to you and those close to you. However, many of these things can be insured against to lessen the blow and deal with any financial concerns, which could cause additional stress at a time when it is least needed.
Whether it be a major incident, such as a house fire, or minor, such as the children accidentally kicking a ball through the window, Edgewater Associates have access to a vast array of insurances to meet your individual needs with access to highly competitive premiums.
Many people renew their insurance year after year without checking that they have the best possible cover. Just one call to our experienced team and we can quickly research the market and arrange your new policy with minimum fuss.
A generous employee benefits package can be a great way to ensure that you can attract the best applicants to work for your company, and retain existing employees.
Although certain benefits may be legally required, for example, paid holiday or auto-enrolment pension schemes in the UK, other benefits are provided by companies who feel a sense of social responsibility towards their employees, and truly care about their health and well-being and that of their families.
Our experienced consultants can tailor a cost-efficient benefits package for you to offer to your employees, whatever the size of your business.
As a shareholder, director or partner, you are used to making daily decisions to protect the future of your business: from employing the right staff to insuring assets against damage. But have you considered the most crucial type of protection – insurance against the death or critical illness of the company’s key people?
We provide effective financial planning advice to meet your business’ dreams and aspirations. We offer tailor made solutions to meet your investment objectives that will match your attitude to risk. Our service doesn’t end there. We provide regular financial reviews to ensure our advice is always relevant and appropriate. You can relax, safe in the knowledge that your finances are being effectively managed.
We are able to offer a full range of insurance services to meet your business requirements.
Arranging insurance covers for your business can be time consuming and expensive, especially when dealing with multiple covers and providers, and often you won’t have the time to review the premiums at every renewal date.
We provide a single point of contact for all your insurance requirements. Our experts will aid you in assessing your risks and requirements, and will work exclusively with and for you in obtaining the best premiums available at every renewal date.
Sandra Cardwell DipPFS, Cert IoD Managing Director
Paul Warburton Chartered FCSI Head of Corporate Solutions
Matt Evans CertPFS DipFA Senior Financial Consultant
Mark Ballantyne ACIB, ACII, DipPFS, EFA Senior Financial Consultant
Rob O'Connor DipPFS, CertPFS (DM) Senior Financial Consultant
Caroline Callow CeMap, DipPFS Senior Financial Consultant
John Walker DipPFS, CertPFS (DM) Financial Consultant
John Shields CeMap CertPFS Mortgage Manager
Sid Ludbe DipFA MLIBF Financial Consultant & Mortgage Advisor
Bryan O'Connor ACSI, Dip CII General Insurance Manager
Fionula Almond Cert CII General Insurance Consultant
Jane Carmichael Dip CII General Insurance Consultant
Helen Hutchinson Cert CII General Insurance Consultant
Colin Moore PhD, Chartered FCSI Investment Manager
Leeanne Keary Adv. Dip. FS (FP) Client Manager & Paraplanner
Heather Roberts Paraplanner
Andrew Tattersall Chartered MCSI Paraplanner
Kim Fleming CII (Award) / DIP Labour Relations & Int’l Negotiations Senior Business Support Manager
Denise Walton CeMap Business Support Manager
Olivia O'Neill Business Support Administrator
Luke Simpson Client Manager
Jade Watterson Senior Client Manager
Claire Creer CeMap Client Manager
Tina Bradley Client Manager
Conor Strickland Junior Client Manager
Teagan Allen Receptionist
Emma Keogh Client Manager & Paraplanner
Samantha Hall DipPFSClient Manager & Paraplanner
Charlotte Urgias BA (Hons), COFA Client Manager
If you want to review your finances or wish to discuss any aspect of your personal or corporate financial situation, please contact us using the methods below.
Call: 01624 654000
Visit: 1st Floor, Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN