Independent advice on pensions, investments, mortgages, protection and inheritance, for people in Cardiff and across Wales.
By phone and video, from our office in London.
We advise people in Cardiff by phone and by video. Our only office is in London.
Your first call is with an Account Manager, at no cost to you. Your adviser is Sunny Bharj or Tony Springer, or Mike Chan for a mortgage.
A first home in Cardiff goes for about £232,880, against £270,831 across the whole market.
Wales does not use Stamp Duty either. Buying here means Land Transaction Tax, collected by the Welsh Revenue Authority, with its own thresholds.
Land Registry UK House Price Index, June 2026.
A detached home around here at £517,141 uses up most of one person's inheritance tax allowance before anything else is counted. Whether your estate has a bill to pay depends on what sits alongside the house, and on whether the home is passing to your children.
Income tax rates in Wales currently match England and Northern Ireland, so pension tax relief works the same way. Wills and succession follow the law of England and Wales.
We work out what your pensions will pay and how to meet any shortfall.
Pensions →We find which lenders say yes to someone in your position, before you apply.
Mortgages →We work out how much cover you need, for how long, and who receives it.
Protection →We work out what your estate would pay today and what each option changes.
Inheritance →We check how much risk your investments carry and whether it suits you.
Investments →We set the order for your pensions, savings, cover and estate.
Planning →Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.