Protection

Protect your family and your lifestyle in case of the unexpected

Mortgages

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

Investments

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

Commercial

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.

Retirement Income and Pension Planning 

Millions of people are questioning if they are saving enough for retirement according to a recent survey by the Pensions and Lifetime Savings Associaiton (PLSA 2019)*

  • Over half of savers not confident they are saving enough for retirement
  • Over a third (37%) wrongly think the auto-enrolment minimum pension contribution level is the Government’s ‘recommended amount’ to be comfortable in retirement

So it is never too soon to think about planning for a comfortable retirement. 

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We can work with you to develop a strategy to help you build up the funds you'll need to enjoy your retirement years to the full. Read our Guide to Retirement Planning here.    

We can give full advice on personal pensions, getting the most suitable annuity rates, stakeholder pensions, self invested personal pensions (sipps), small self-adminstered schemes and equity release. 

 

Pension Transfer Analysis Service

Most people during their career accumulate a number of different pension plans. Yet maintaining separate plans is often complicated - and may lead to lost investment opportunities, exposure to undue risk and higher costs. We can help you avoid these problems by completing a full analysis of your retirement needs and pension values.

Retirement Income & Annuities 

We will review your retirement funds and consider whether you could benefit from improved charges, access to more appropriate investment strategies and more simplified administration. We will review your immediate and ongoing income needs and explain what options are available to you. 

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

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Transferring out of a final salary pension is unlikely to be in the best interests of most people.

https://www.plsa.co.uk/press-centre/press-releases/article/Millions-questioning-if-they-are-saving-enough-for-retirement

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

Geff, Newport

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

Teresa, Llanelli

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

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

Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him.

Fi Davies, August 2018

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

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

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

Daniel never let up and his tenacity was commendable. I was kept informed of our mortgage progress at every stage.

Louise, Swansea

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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