Joe Roxborough
Financial Advisor
Profile Summary
I am a Financial Adviser with Ascot Lloyd, bringing over 15 years of experience helping clients work towards their financial goals with clarity and confidence. He provides personalised financial advice tailored to each client’s unique circumstances, ensuring plans are built around individual priorities, values, and long-term aspirations. Joe specialises in retirement planning, investment management, and supporting clients through complex tax planning considerations. His approach is straightforward and client-focused — taking the time to truly understand what matters most before building a clear, structured financial plan. He is passionate about making financial advice accessible and easy to understand, empowering clients to make informed decisions at every stage of their financial journey. With a strong interest in behavioural psychology, Joe recognises how emotions and habits influence financial decisions and uses this insight to help clients stay aligned with their long-term objectives. Outside of work, he enjoys spending time with his two young sons and getting outdoors for hiking whenever possible. Whether clients are planning for retirement, looking to grow their investments, or just starting to organise their finances, Joe aims to provide reassurance, structure, and a long-term partnership built on trust.
Investment & Financial Services Offered
Investments and Savings
Support in helping your money work harder for you through a wide range of investment options, which may include equities, funds, and bonds, aligned to your goals and attitude to risk.
Pensions
Guidance on building a clear retirement plan — whether you’re starting a pension, reviewing existing arrangements, or assessing how much you should be contributing.
Retirement Income (Annuities & Drawdown)
Help understanding your options at retirement, including comparing annuities and drawdown, so you can choose an income strategy that suits your lifestyle and future needs.
Inheritance Planning
Advice on planning your estate efficiently, understanding the tax implications of passing on wealth, and making informed decisions when receiving an inheritance.
Insurance and Protection
Support in identifying the right level of financial protection for you and your family, including life cover, critical illness cover, and income protection.
Who Joe Roxborough Works With
I work with a wide range of clients who are looking for clear, personalised financial advice to achieve their goals. This includes individuals and families seeking guidance on investments, pensions, and retirement planning, as well as those looking to protect their wealth through insurance and inheritance planning. My clients also include people at various stages of life — from those just starting their financial journey to those preparing for retirement or managing complex financial arrangements. I aim to support anyone who wants to make informed, confident decisions about their money, ensuring their plans are tailored to their unique circumstances and long-term objectives. Whether you are planning for the future, looking to grow your savings, or simply seeking clarity around your financial options, I work closely with you to create strategies that align with your priorities and values.
Investment Philosophy & Approach
Joe’s investment philosophy is centred on creating well-structured, long-term strategies designed around each client’s individual goals, time horizon, and attitude to risk. He believes successful investing is not about chasing short-term market movements, but about building diversified portfolios that aim to deliver consistent, sustainable growth over time while carefully managing risk. A key part of his approach is understanding how emotions can influence financial decisions. Drawing on his interest in behavioural psychology, Joe helps clients stay focused and disciplined during periods of market volatility, ensuring decisions remain aligned with their long-term objectives rather than short-term reactions. He also believes investments should form part of a wider financial plan. This means considering tax efficiency, retirement needs, income requirements, and legacy planning alongside portfolio construction. Regular reviews ensure strategies stay on track and adapt as markets, legislation, or personal circumstances change. Above all, Joe is committed to clarity and transparency — explaining investment choices in straightforward terms so clients feel confident, informed, and in control of their financial future.
Fees & Charging Structure
Pensions and Investments For investment and pension advice, our fees are tiered based on the amount you invest or transfer through us: First £150,000 – 3% £150,000 to £500,000 – 2% Above £500,000 – 1% If you choose ongoing advice, an annual fee of up to 1% may apply. This fee is aligned to your portfolio value, service level, and individual circumstances. All charges are agreed with you upfront and are only applied with your explicit consent. Mortgages and Insurance For mortgage and insurance advice, we are usually paid via commission from the provider. In some cases, an advice fee may also apply, depending on the work involved. Any charges are always agreed in advance and only applied with your consent. This structure ensures transparency and that you understand the cost of advice and the value you receive.
Areas Served
United Kingdom nationwide, Willing to travel to meet clients up to 20 miles from W1W 8AP.