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Financial adviser near me – what should I look for?
A local guide for people searching for trusted financial advice in Aberdare, Cardiff and South Wales. Introduction Searching for a ‘financial adviser near me’ can bring up a long list …
Read MoreMaking the most of the new tax year
Give your investments a head start and future-proof your finances The new tax year brings a fresh £20,000 Individual Savings Account (ISA) allowance for each individual, giving couples the potential …
Read MorePensions and Inheritance Tax: Big changes coming in 2027
Understanding how removing the pensions exemption could affect your legacy For decades, UK savers have relied on pensions not only for retirement income but also as a highly tax-efficient way …
Read MoreTaking charge of your retirement
Empowering your future with greater pension freedom Planning for retirement is a crucial step in securing your financial stability for the years ahead. For those seeking greater involvement in how …
Read MoreProtect your life insurance payout from Inheritance Tax
An increasing number of estates are falling within the tax net every year An increasing number of estates are falling within the Inheritance Tax net each year, largely due to …
Read More‘Unretiring’ is reshaping our understanding of later life
Has the financial reality of retirement fallen short of expectations? Amid rising living costs and market uncertainty, ‘unretiring’ is a growing trend. Research shows that one in six retirees (16%) …
Read MoreLong-term investing
Geopolitical events, such as those in the Middle East, often introduce uncertainty into global markets, affecting energy prices, trade routes and investor sentiment. While these events can be unsettling, reacting …
Read MoreMissing Wills and pensions
Lack of organisation can cause delays and financial stress for families Research has revealed a concerning trend among UK families: a significant number are unaware of where critical documents, such …
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Latest Newsletter
Smart Money Newsletter – Sept/Oct 2023
HOW BONDS’ STRUCTURE AND TAX ADVANTAGES CAN HELP YOU PASS ON WEALTH Welcome to our latest edition. In this issue, we look at investment bonds and explain how they offer …
Read MorePrevious Newsletters
Smart Money Newsletter – Sept/Oct 2023
HOW BONDS’ STRUCTURE AND TAX ADVANTAGES CAN HELP YOU PASS ON WEALTH Welcome to our latest edition. In this issue, we look at investment bonds and explain how they offer …
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eSmart Money Newsletter July/August 2023
KEY STEPS TO ACHIEVING A COMFORTABLE RETIREMENT Welcome to our latest edition. In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential …
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Smart Money Newsletter March/April 2023
MAKING THE RIGHT PREPARATION FOR FUTURE GENERATIONS Welcome to our latest edition. In this issue, financial planning can be a daunting and uncomfortable conversation for many, but thankfully attitudes towards …
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Smart Money Newsletter January/February 2023
TAXING TIMES. TIME FOR A TAX HEALTH CHECK? Welcome to our latest edition. With the current tax year having begun on 6 April 2022, the clock is ticking and it …
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Smart Money Newsletter November/December 2022
DON’T ABANDON PENSION CONTRIBUTIONS AS PRICES RISE Welcome to our latest edition. As the cost of living continues to soar, with inflation reaching a 40-year high, the impact on household …
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Smart Money Newsletter September/October 2022
COST-OF-LIVING CRISIS DELAYS HOMEOWNERSHIP, HAVING CHILDREN AND RETIREMENT Welcome to our latest edition. Rising living costs have been so significant in recent months that most UK households will have noticed …
Read MoreUseful Guides
Self Invested Personal
Pension Schemes
A flexible, tax-efficient way of saving for your long term future
Individual Saving
Accounts
Use it or lose it! Don't miss out on this year's tax-efficient opportunity.
Investment
Risk
When it comes to investing, one size definitely does not fit everyone
Financial
Goals
How to create financial
goals you can actually
achieve
A Child's
Future
How to ensure your children or grandchildren get the best financial start in life
Retirement Planning
How can I guarantee
the kind of
retirement I want?
Investing For
My Future
Your opportunities.
Your wealth.
Your legacy.
Pension Freedoms
How will you turn your pension into money you
can use?
Life Insurance Protection
Suddenly we're having to think about things we haven't thought about before
Income Protection Insurance
Would you still need
a monthly income if
you can't work?
Critical Illness Cover
Don't let a life-changing moment disrupt your life and put a strain on your family