Affinity Financial stands as a beacon of tailored financial services in Cardiff, South Wales. As expert financial advisers, we specialise in mortgages and lending, insurance protection, and comprehensive financial planning for both individuals and businesses.
Access to a Market Leading range of Lenders and Deals.
Expert, friendly MORTGAGE advice catered to your needs.
Work with an experienced, people-led MORTGAGE broker.
As a consumer or business in South Wales, one of your foremost priorities might be financial security and growth. That's where we come in, the team at Affinity Financial. We are your local financial advisers in Cardiff, specialising in personalized mortgage, lending, protection, and financial planning.
As your financial advisers in Cardiff, we don't merely provide advice; we develop holistic strategies designed with your financial wellbeing in mind.
Our meticulous 6-step framework for crafting bespoke financial plans factors in your current situation and future aspirations.
From understanding your needs to conducting comprehensive research
and designing tailored strategies, we leave no stone unturned in securing your financial future. We also oversee the application process and provide ongoing reviews to ensure your financial plan remains optimized for your evolving needs.
We have a broad range of financial planning services in Cardiff with a unique approach that delivers an optimised financial package that’s tailored to you.
Our financial planners will create a tailored strategy to help you manage your investment portfolio and other financial assets for both short and long-term growth. Whether it’s preserving or growing your wealth, or receiving a regular income, our aim is to meet your investment goals.
Our financial planning and investment solutions are run through our specialist fund management companies. This way, we ensure that we’re working with the most reputable and experienced Fund Managers and in accordance with the most up-to-date research.
Our financial planners will work with our investment management service to help choose your investments and swiftly react to any changes in the market. We will of course always keep you informed. These investments include:
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON.
As we live longer lives and enjoy more freedom to decide our retirement pathway, it’s crucial to have clarity over what you want to do and how much you’ll need to achieve it.
Pensions can be complex, involving many considerations such as national regulations and even your own family circumstances. Whatever your situation, our pension experts will craft a bespoke package to suit your needs. The rules around pensions are constantly shifting too. By getting regular expert advice, you’ll efficiently build up your pension pot, enabling you to invest and achieve your goals more easily. Working with our financial planners, you’ll be able to decide on which plan is best for you.
Solutions such as pensions, ISA’s, property, investments, and savings should all play a role in your retirement plan. The most successful plan will feature a blend of all of these.
One way we can help you plan your financial future is by using a visual cash flow modelling tool. This cash flow analysis system involves us inputting information about the current value of your investments. We then apply relevant assumptions like investment growth rates and key life events to create a detailed and precise cash flow model based on your personal circumstances.
We use this information to assess your likely savings target, investment returns needed to achieve your goals, and whether your ongoing income is likely to sufficiently sustain you for the rest of your life.
We will consider several pension plans for you:
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON.
HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CAN NOT BE FORESEEN.
Sound advice will ensure as much of your estate as possible is left to your loved ones, without being compromised by inheritance tax liabilities. Calculating the value of your estate can be a challenge. Luckily, our experts will guide you through the process, recommending the best strategy to help you leave a tax-efficient legacy.
Intestacy is when a person dies without leaving a valid will behind. In such cases, the government will manage your state. Establishing a will is essential if you want to avoid this. We’ll help you consider inheritance issues calmly and objectively, creating a plan to ensure as much of your wealth as possible goes to your family while minimising the taxman’s share.
Besides helping to identify the best combination of methods for you, we’ll also work closely with your legal team and tax adviser to minimise the impact of estate taxes.
Our methods include:
WILL WRITING IS NOT PART OF THE OPENWORK OFFERING AND IS OFFERED IN OUR OWN RIGHT. OPENWORK LIMITED ACCEPT NO RESPONSIBILITY FOR THIS ASPECT OF OUR BUSINESS.
WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CAN NOT BE FORESEEN.
Investment advice involves creating a strategy to help you manage your investment portfolio and other financial assets for both short and long-term growth. Whether it’s preserving or growing your wealth, or receiving a regular income, our aim is to meet your investment goals.
Our investment solutions are run through our specialist fund management companies. This way, we ensure that we’re working with the most reputable and experienced Fund Managers and the most up-to-date research.
Our investment management service involves us choosing your investments and swiftly reacting to any changes in the market. We will of course always keep you informed. These investments include:
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON.
By utilising pension tax allowances, we ensure tax efficiency for both your members and your business. This includes group pensions and auto-enrolment for all-sized companies.
Each member receives a bespoke pension solution with ongoing servicing from an expert adviser. They’ll also have full access to our Professional Investment Fund Management.
One way we can help you plan your members’ and businesses’ financial future is by using a visual cash flow modelling tool. This cash flow analysis system involves us inputting information about the current value of your investments. We then apply relevant assumptions like investment growth rates and key life events to create a detailed and precise cash flow model based on your personal circumstances.
We use this information to assess your likely savings target, investment returns needed to achieve your goals, and whether your ongoing income is likely to sufficiently sustain you for the rest of your life.
We will consider the following pension plans:
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON.
HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CAN NOT BE FORESEEN.
Employee benefits are a way to attract new talent, keep existing employees, contribute towards employee wellbeing, and encourage productivity and innovation. In today’s post-Covid world, this is more important than ever because workers’ expectations have shifted, as have their work patterns.
We offer advice on the following employee benefits:
Our business protection solutions are design to be comprehensive and flexible. This allows us to put the right cover in place that’s designed to protect anyone within your company, whether it’s an employee, director, or shareholder.
Business protection solutions include:
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON.
WILL WRITING IS NOT PART OF THE OPENWORK OFFERING AND IS OFFERED IN OUR OWN RIGHT. OPENWORK LIMITED ACCEPT NO RESPONSIBILITY FOR THIS ASPECT OF OUR BUSINESS.
WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CAN NOT BE FORESEEN.
This personalised strategy not only helps in fulfilling short-term objectives but also paves the way for long-term financial security and wealth creation.
Financial advisers are well-versed in the intricacies of the financial market. Here at Affinity Financial our professional knowledge and industry expertise are instrumental in identifying profitable investment opportunities and mitigating potential financial risks.
We are equipped to understand complex financial products, interpret market trends, and foresee economic shifts. Utilising our guidance can help you make informed decisions and stay ahead in the volatile financial environment.
In our blog post, we discuss the added value a financial advisor brings to your life. Our role goes beyond helping you invest in stocks and shares. It involves navigating the complexities of the financial world and potentially unlocking higher returns on your investments.
We also highlight the importance of spring cleaning your finances, a testament to our commitment to keeping you informed about best financial practices.01
We establish your needs and goals
A fundamental stage of providing financial services, we take the time to get to know you financially and assess your situation.
02
We research, build, and recommend
Using our wide network of providers, lenders and products, we create a tailor made strategy to achieve your goals.
03
Application
We oversee the entire application process. That means we’ve got you covered the whole way, from initial input to dealing with lenders, and then, finally, to completion or policy on risk.
04
We review and react
With our relationship orientated approach, we promise to periodically review your products and circumstances to help you mitigate any potential risks or find better deals and opportunities.
“Great advice and a very personable service. Looking forward to using Affinity when I buy my next property ”
Charlotte Vella-Rudd
5 star rated, thank you!
Will Morgan
“Fantastic recent interaction with a remortgage deal. Actually went out of their way calling up after hours to sort out paperwork etc. Can't recommend enough, without a doubt the easiest thing i've done so far. Affinity Financial are a great local service that go beyond customer care. Highly satisfied. ”
Paul Parry
The cost can greatly vary depending on the complexity of your financial situation and the advisor's fee structure. You could expect to pay anywhere between £75 - £350 per hour, or you could be charged a percentage of your assets, usually around 1-2%.
On average, in the UK, financial advisors can charge around £150 - £350 per hour. If they're managing your investments, expect a fee of 1-2% of the total investment amount per annum.
That can depend on your financial situation. If you have a complex financial situation or lack the time and knowledge to manage your own finances, a financial advisor can be beneficial. They offer professional guidance on a range of financial matters, including savings, investments, pensions, and tax planning.
There is no strict rule on how much you should have. However, if your financial affairs are relatively straightforward, you may be better off with a simple savings account or personal pension. If you have more substantial assets, complex financial situations, or specific goals, then a financial advisor might be worth the cost.
It depends on your needs and circumstances. If you're dealing with complex financial issues or planning for retirement, then a financial advisor might be a smart investment. Always consider your own financial knowledge, time, and confidence in managing your finances before making the decision.
There are some resources available for free financial advice, such as Citizen's Advice Bureau, The Money Advice Service, or online forums. However, be aware that this advice is usually more general and may not address specific needs or complexities. For a more personal, in-depth consultation why not contact us at Affinity Financial?
Some potential pitfalls include mismatched expectations, lack of clarity in fee structures, or conflicts of interest. It's important to choose a financial advisor who is fully qualified, transparent about their fees, and has a good track record.
Meeting with a financial advisor can be a smart move if you need help understanding your financial position, planning for the future, or making informed decisions about investments or pensions. They can provide professional, personalized advice to suit your individual needs and goals.
The type of financial advisor you need depends on your financial situation and goals. For instance, if you're looking for pension advice, you may want a retirement planning advisor. For investment strategies, an investment advisor might be the best fit.
In the UK, there is no difference between a 'financial advisor' and a 'financial adviser'. Both terms refer to professionals who provide advice on financial matters to their clients.
Yes, some select banks offer financial advisory services to their customers. However, these advisors may only advise on the bank's own products, so you might not get a comprehensive overview of all options available in the market.
Individuals might need a financial advisor for a variety of reasons including planning for retirement, investing, tax planning, estate planning, or simply navigating complex financial situations. A financial advisor can provide professional advice and clarity on these matters.
Choose between a £50 Amazon voucher or donating to charity with Affinity Financial's Reward Scheme. Whether you want to treat yourself or make a difference, Affinity Financial gives you the flexibility to choose.
Simply become a client or refer a friend to join this program today and start giving back while enjoying a well-deserved reward. So take the first step towards giving back or treating yourself by joining the Affinity Financial Reward Scheme today.
At Affinity Financial, we will sift through thousands of providers, lenders and products to find the best option for you, your employees or business.
Ensure that your assets are protected and optimised today and see real, sustainable growth tomorrow.
Call us today for a 100% FREE, no-commitment financial health check or bespoke quote!
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE AND SHOULD NOT BE RELIED UPON.
WILL WRITING IS NOT PART OF THE OPENWORK OFFERING AND IS OFFERED IN OUR OWN RIGHT. OPENWORK LIMITED ACCEPT NO RESPONSIBILITY FOR THIS ASPECT OF OUR BUSINESS.
WILL WRITING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CAN NOT BE FORESEEN.
