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Financial Planning for the Self-Employed in South Wales
Financial Planning for the Self-Employed in South Wales Being self-employed can give you more control over your work, income and future. It also means that many financial benefits an employee …
Read MorePension adviser Aberdare – how local pension advice can help
Pensions can feel complicated because they involve rules, tax, investments, retirement choices and long timescales. If you are looking for a pension adviser in Aberdare, you may already have old …
Read MoreUnderstanding pension drawdown
Taking control of your pension income means considering the tax consequences Pension drawdown enables you to take money from a defined contribution pension while keeping the rest invested. Rather than …
Read MoreShould you give your home to your grandchildren?
Gifting your home could help your grandchildren, but may carry tax and financial risks For grandparents with substantial property wealth, gifting their home may seem an attractive way to give …
Read MoreSecuring income in retirement
Building financial security for later life Retirement no longer has to mean simply buying an annuity and receiving a fixed income for life. Since pension freedoms were introduced, people have …
Read MoreHow much pension do you need to retire at 50?
Achieving an early, comfortable retirement requires careful planning For many people, retiring at 50 sounds like the ultimate financial goal. Instead of waiting until their 60s, they could have decades …
Read MoreHow pensions could help parents avoid the £100k childcare cliff edge
Half of people are unaware that pension contributions can reduce adjusted net income Pensions are designed to help fund retirement, but they can also play a valuable role in wider …
Read MoreBringing your pensions together
A long-awaited way to view your pension savings in one place is finally taking shape For years, savers have been promised a simpler way to track their pension savings. The …
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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