Financial Planners Cardiff: Affinity Financial
Our Cardiff-based financial planners are professionals dedicated to helping individuals and organisations achieve long-term financial stability and reach their financial goals.
Our Cardiff-based financial planners are professionals dedicated to helping individuals and organisations achieve long-term financial stability and reach their financial goals.
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.
Embarking on a journey towards financial stability and growth is akin to traversing through a dense, often intimidating jungle. The path laden with complexities requires a seasoned guide, one that's equipped with the requisite knowledge and the knack for tailored solutions.
Herein lies the essence of Affinity Financial, your reliable financial planners in Cardiff. With a stellar history of aiding both individuals and organisations in South Wales, Affinity Financial dedicates itself to helping you reach your financial zenith.
Finding the best financial Planners in Wales can be daunting, however at Affinity Financial we ensure a simple and smooth transaction for this. We pride ourselves in offering top-notch services that match the financial advisory experience requirements, making us one of the premier finance companies Cardiff is proud to host.
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.
Cardiff residents can benefit immensely from the services offered by financial advisers with deep local market knowledge.
From understanding the nuances of financial services in Cardiff to navigating the labyrinth of investment options, a financial planner can guide you every step of the way.
Establishing a long-term relationship with clients is not about a transaction; it’s about crafting a financial narrative that resonates with your goals.
The professional qualities of our financial planners embody expertise, transparency, and an unwavering commitment to walking beside you on your financial voyage.
Our Cardiff Financial Planners come with an array of professional qualities that put them a cut above the rest:
Choosing a financial planner is an important decision. Here are a few questions you should ask your potential financial planner in Cardiff:
Remember, the right financial planner will be able to answer these questions confidently and to your satisfaction, something in which you will experience with your journey with our team of financial planner and advisors here at Affinity Financial - Get in contact with us today
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
A typical fee for a financial planner can vary greatly depending on the complexity of your financial situation and the services you require. Fees can range from a few hundred to several thousand pounds, typically being charged as a flat fee, an hourly rate, or as a percentage of assets managed.
While these terms are often used interchangeably, there can be a distinction. A financial advisor is a broad term for professionals who help manage your money, which includes many types of services. A financial planner, on the other hand, is a type of financial advisor who helps individuals and businesses create a plan to meet long-term financial goals.
The cost of hiring a financial advisor, much like a financial planner, depends on the services you require and the fee structure of the advisor. It's important to discuss fees upfront to ensure you understand the cost involved.
Yes, for many people, paying a financial planner is worth it. They can provide valuable advice on complex financial issues, help you develop a financial plan, save you time, and potentially help you increase your wealth over time.
While there are many advantages, some potential downsides include the cost, the need to communicate personal financial details, and the risk of receiving advice from a planner who doesn't have your best interest at heart. It's crucial to choose a reputable and experienced financial planner like those at Affinity Financial.
A financial planner provides advice on how to manage your money based on your financial goals and risk tolerance. They may provide advice on savings, investments, pensions, estate planning, taxes, and insurance, helping you make informed decisions about your money.
Red flags could include lack of transparency, high-pressure sales tactics, a one-size-fits-all approach, lack of proper certification, and not listening to or understanding your financial goals.
Financial planners are safe as long as they're certified and have a good reputation. It's important to choose a planner who is transparent about their fees and services and has a track record of successfully helping clients achieve their financial goals.
During your first meeting with a financial planner, you can expect to discuss your financial goals, current financial situation, risk tolerance, and investment preferences. The planner will then use this information to develop a comprehensive financial plan tailored to your needs.
You can find a financial advisor in your area by conducting an online search, asking for recommendations from friends or family, or contacting financial advisor networks. For those in Cardiff, Affinity Financial offers excellent financial advisory services.
Meeting with a financial planner can help you get a clear understanding of your financial situation and create a strategy to achieve your financial goals. They can provide advice on a wide range of topics, including saving, investing, tax planning, estate planning, and risk management.
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.
