Protect your family and your lifestyle in case of the unexpected


Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement


With so many choices, leave it to us to help make your money work harder for you.


We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.


Individual Savings Accounts (ISA/NISAs/LISAs)

An ISA is not an investment in itself, but a ‘wrapper’ that shields you from paying income tax or capital gains tax on the investment or deposit.

You can usually change the investments you hold within your ISA wrapper if you wish. An individual can contribute up to £20,000pa  into an ISA now called a NISA, the amount contributed can be a mixture of Cash or  Stocks & Shares with no restrictions to the overall weighting. So you can have £20,000 in cash or £20,000 in stocks and shares or any combination of the two to suit your needs. 

You are able to transfer existing ISAs to other providers without affecting your ISA investment limits.

Lifetime Individual Savings Accounts (LISAs) are designed to help young people to save flexibly for the long term throughout their lives. 

These work in conjucntion with existing ISA products and be simple for savers to us.

People under 40 can open a LISA and contribute up to £4000 per year.

The Government will then provide a 25% bonus on these contributions at the end of the tax year. 

Find out more by downloading our LISA guide here.

ISA Transfer Analysis Service

Most people accumulate a number of different ISA plans. Yet maintaining separate plans is often complicated - and may lead to lost investment opportunities, exposure to undue risk and higher costs.

Cosgrove Brown Financial Planning Ltd can complete a full analysis of your ISA funds.  The service includes a full review of your existing ISA plans, identifying any funding gaps and agreeing the right investment strategy for you for the future. The outcome of the review is to strike the right balance between making it easy to manage and keep track of your ISA(s) while keeping the costs under control. It will also help you to consider whether you could benefit from improved charges, from access to more appropriate investment strategies and if it would simplify your administration.

The tax advantages of ISA’s are that they shield you from paying income tax or capital gains tax on the investment or deposit. 

Investment Bonds

Sometimes referred to as insurance bonds, investment bonds are single-premium (i.e. lump sum rather than regular) savings contracts issued by life insurance companies. They offer you a simple and, if used correctly, potentially tax-efficient investment that can help you maximise your income.

Open ended investment Company (OEIC)

These funds can mix different types of investment strategies such as income and growth, and small capitalised and or large capitlised businesses.

A type of company or fund in the UK that is structured to invest in other companies with the ability to adjust constantly its investment criteria and fund size. These are open ended, which means that they can adjust the amount of shares in the fund by either issuing or eliminating shares. When shares are issued, the fund receives money and invests it. When eliminating shares, the fund pays out money from the fund.

Wrap Accounts

A wrap account can bring together all of your investments - including shares, bonds, cash, investment trusts, unit trusts and pensions - under one roof. They can also bring together the various tax wrappers such as ISA’s, and self-invested personal pensions (Sipps).

Wraps (wrap accounts) also allow investors to buy the funds of investment managers across the whole market. This means that, provided you choose a wrap that offers a personal pension, you can mix and match anything you like within that personal pension (subject to pension investment rules) rather than being limited to traditional pension products.

Tax treatment varies according to individual circumstances and is subject to change. 

It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action.

Christine, Swansea

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan, March 2018

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

We would just like to thank Dan for all his hard work on this, less than simple, purchase. From the very beginning of this project Dan has shown great professionalism, excellent market knowledge and delivered customer service far exceeding any reasonable expectations!

C. Windsor, March 2019

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

Dan cut through the jargon and was always there to respond to my questions; his work has helped my dream of buying a house come true.

S & K Jones, Swansea

My mortgage needs were not simple to deal with, but Dan’s knowledge and experience really shone through. He was professional in his dealings with me and explained everything to me in a clear and concise way, ensuring I fully understood the mortgage product I purchased.

P Davies,September 2019

Thank you so much for obtaining our mortgage, for persevering for so long and not giving up on us. We will be eternally grateful that we can finally live in the family home again.

Rebecca and Darren, Swansea 2017

Get all of your questions answered by our experts - call us or complete our online enquiry form to arrange your meeting. The first meeting is at our expense and without any obligation

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