Independent advice on pensions, investments, mortgages, protection and inheritance, for people in Swansea and across Wales.
By phone and video, from our office in London.
There is no office here. Advice is given by phone and video from 2 Charterhouse Mews in London, which is how most of it is given now and why where you live makes no difference to who can help you. Sunny Bharj and Tony Springer are the advisers, and you deal with the same one throughout.
The first conversation is free and takes about twenty minutes. If there is nothing useful we can do, we will say so.
The average home in Swansea sold for £205,041, and the average first home for £176,769.
Wales does not use Stamp Duty either. Buying here means Land Transaction Tax, collected by the Welsh Revenue Authority, with its own thresholds. The starting point sits in a different place from the English one. Check the cost of moving against Welsh figures; a UK-wide calculator will be wrong.
Land Registry UK House Price Index, June 2026. Averages move; yours is the number that matters.
Whether your estate ends up with an inheritance tax bill depends on what sits alongside the house as much as on the house itself. Pensions, investments and life policies all count unless they are arranged not to.
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. The property tax is the real difference.
The same nine areas wherever you are. Pensions, investments, mortgages, protection, business protection, inheritance and succession, wills, tax planning and the financial plan that decides the order to do them in.
What you hold, what it will pay you, and what to do about the gap.
Pensions →Which lenders say yes to someone in your position, before you apply.
Mortgages →How much, for how long, and who actually receives it.
Protection →What your estate would pay today, and what each option changes.
Inheritance →Making sure the risk you are carrying is the risk you chose.
Investments →The plan that decides which of the above happens first.
Planning →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. We will tell you honestly whether we can help.