Shaping financial futures for over 20 years

Edgewater Associates

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.

About us

At Edgewater, we believe that independent advice, tailored to your circumstances, is the key to financial well-being.

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.

Personal services

Wealth Management

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.

Lending Services

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:

  • re-arranging borrowing and strengthening applications
  • choosing lenders which offer the right solution and price
  • commercial lending
  • bridging finance
  • application preparation, case presentation, and progress monitoring
  • lending into retirement
  • peer-to-peer lending

Retirement Planning

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.

General Insurance

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.

Corporate services

Group Schemes

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.

Business Protection

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.

Commercial Insurance

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.

Meet the team

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

Contact us

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

In an emergency (outside of normal office hours) for all house/contents, motor and commercial insurance claims, please call 07624 220860 or email