Appleton Gerrard Private Wealth Management

Independent Financial Adviser  82 King Street, Manchester, Greater manchester, M2 4WQ
First meeting at adviser's own cost
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Building your home
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Buy to let
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Buying commercial property
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Next home / Remortgaging
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Buildings and contents
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Critical illness
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Income protection insurance
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Large business
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Life insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
Response rating
10/10
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FCA authorised
Last authorised 20th January 2020
Meet our advisers
Kusal Ariyawansa BSc.(HONS), APFS, CFP, Chartered MCSI
Chartered & Certified Financial Planner, Chartered Wealth Manager

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

In order to have completed this qualification, individuals were required to obtain three units. These could have been selected from any combination of the available units at that time but must have included the compulsory G10 unit - Taxation and Trusts.

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This qualification is a specialist qualification which demonstrates a knowledge and understanding of Financial Markets, Portfolio Construction Theory and Applied Wealth Management.

ACSI membership of the CISI, and denotes commitment to professionalism. It is awarded to those with a suitable combination of qualifications and experience.

Accreditations
Certified Financial Planner Chartered Financial Planner
What our clients say
Having retired, moved to the area and lost confidence in my previous adviser, I decided that a new financial planner was essential. I drew up a shortlist of three and Kusal came out the winner by a mile. He did not charge me for my first meeting, but got to know my needs/goals and financial ambitions. He is professional, confident and assured about the industry he finds himself in. He tries to ensure that his clients understand the products that he recommends and pitches products appropriate to the clients risk awareness levels. He sees me as often as I require, meetings are well organised and followed up with a written account of the proceedings. He is always available for the little emergencies that [infrequently] occur in my financial life. He openly discussed fees right from the start and has returned fees that I did not know were being charged! I feel that I get good value for money, but more importantly, I trust him.
Peter, Lancashire
"When I was thinking about retiring I approached Kusal for advice. I have consulted Kusal on many occasions and he has always dealt with my queries with great patience – never have I felt rushed or that I am wasting his time I felt he was well informed on the topics discussed and I felt free to discuss other financial matters as well (apart from my NHS and private pension) The main benefit for me was that I received advice from an adviser with sound knowledge and it was a pleasant experience with no pressure to purchase any particular product. I am very satisfied. I feel very confident about trusting Kusal with my personal information I would recommend Kusal to others… In my experience, Kusal is someone who I feel can genuinely focus on the client’s needs and give appropriate good advice without undue pressure to purchase particular products."
Dr. S. Charles-Holmes, Coventry / London
“I am a retired former marketing consultant whose business rather petered out in 2008, subsequently followed by painful divorce proceedings over a three year period. I was forced to leave London to live in Nottingham with my elderly mother who later died leaving me a small legacy. I am not exactly financially illiterate but, there again, no expert either. Luckily for me Kusal was recommended to me by a former marketing friend. I journeyed to Manchester not knowing what to expect . . . but I needn’t have worried . . Kusal was courteous, polite and totally sympathetic to my predicament. He took me through the Appleton Gerrard ‘investigative mill’, assessing the levels of risk I was prepared to undertake (not much at my age and low levels of income!) and what type of investment would be suitable for me before setting out a plan to look after me into my dotage (!). He also gave me invaluable help during the difficult financial negotiations associated with my divorce. I can state with all due sincerity that I wouldn’t move a financial muscle without consulting Kusal . . . his advice has been priceless. I cannot recommend him highly enough . . . you won’t be surprised to hear that he has become a loyal and trusted friend.”
David Drakes, Nottingham / London
About us

An Independent Financial Adviser with demonstrable ability in helping individuals, families and businesses make the most out of their finances. Whether you want a second opinion on what you have, or a comprehensive action plan on how to be even better, we are happy to listen and act with you so that it happens by a certain date.

For a snapshot into what might be appropriate for you, try the unique Online Predictor on our website. This asks a series of non-invasive questions and describes your financial position and concerns, culminating in suggesting one of our financial strategies.

Our services

''If you chose to work with us you will soon notice improvements in your financial affairs. We do this by showing you your financial future - whether you can have and maintain the lifestyle you really want.''

We provide comprehensive advice which enables clients to achieve their lifetime goals.

We simplify the complexities and organise clients' wealth so that they understand what assets they have and how they will help them achieve their goals.

Where to find us

82 King Street, Manchester, Manchester, M2 4WQ

Preferred clients
Minimum wealth (income/assets)
£250,000
Minimum pension value
£250,000
Minimum mortgage value
£250,000
Advice methods
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 20th January 2020

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