WEALTH MANAGEMENT CARDIFF
With our expert guidance, we help Cardiff residents set realistic targets to achieve their financial goals
With our expert guidance, we help Cardiff residents set realistic targets to achieve their financial goals
Manage your assets to stimulate short and long-term growth.
Bespoke financial plans crafted from a meticulous 6-step framework.
Our experts activley manage your assets, reacting swiftly to market changes.
When it comes to securing your financial future, the importance of selecting the right wealth management firm cannot be overstated. Cardiff, a city known for its rich history and vibrant culture, is also home to some of the most proficient financial professionals, such as those found at Affinity Financial.
At the heart of Affinity Financial, the mission is clear: guiding clients towards a brighter financial future. This means simplifying wealth management to ensure their finances, businesses, and families are well looked after.
We understand this can be a confusing process, this is why we are here to assist with all aspects of wealth management.
We have a broad range of wealth management services in Cardiff. What do they have in common? A unique approach that ends in a bespoke financial package that’s tailored to you.
We’ll 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 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 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.
Safeguard Your Health and Family with Affinity Financials' Insurance Services. Shield your loved ones and secure your well-being with our tailored Financial Protection & Insurance solutions. Your peace of mind is our priority.
Products we offer:
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.
Our skilled team is your compass in the world of mortgages, offering a range of lending services tailored to your unique financial journey. Whether you're a first-time buyer or seeking to refinance, we're here to secure your path to homeownership. Count on us to make your property goals a reality.
Products we offer:
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
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.
One aspect that sets Affinity Financial's team of advisers apart is their commitment to delivering high-quality advice across various facets of wealth management. The objective? To collaborate closely with clients, ensuring they attain their financial objectives.
Whether you're aiming to build or preserve wealth, protect your family or business, or delve into comprehensive financial planning, Affinity has got you covered:
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
Wealth management fees in the UK can vary widely based on the services offered and the size of the portfolio. Typically, fees can range from 0.5% to 1.5% of assets under management per annum. It's essential to understand the fee structure, as some firms may charge a flat fee, hourly rate, or a commission-based structure.
Absolutely. Engaging with a wealth manager can provide personalised financial advice, help optimise investments, reduce tax liabilities, and set clear financial goals. The value of professional guidance often outweighs the cost, especially in complex financial situations.
Private wealth managers often cater to high net worth individuals, offering bespoke services. The cost can depend on the complexity of services required and the size of the assets. Typically, they might charge a percentage of assets under management, with premium services potentially having higher fees than standard wealth management.
The threshold for hiring a wealth manager varies by firm. Some might require a minimum investment of £100,000, while others catering to high net worth individuals might set the bar at £1 million or more. It's best to consult directly with firms to understand their requirements.
For many UK residents, wealth management provides invaluable guidance, especially with the complexities of tax regulations, property management, and investments in the UK market. A wealth manager can help navigate these intricacies, making the service highly worthwhile.
If you have accumulated a significant amount of wealth, anticipate a complex financial future, or lack the time/expertise to manage your finances, hiring a wealth manager in the UK can be a wise decision.
While there are many advantages, potential disadvantages include the fees associated with services, potential conflicts of interest (especially if the manager is commission-based), and the risk that the manager's investment strategy may not align perfectly with the client's goals.
Many UK banks offer robust wealth management services. The "best" often depends on individual needs. Barclays, HSBC, and Lloyds, among others, have strong reputations in wealth management. It's advisable to review each bank's offerings and consult independent reviews or referrals.
Consider hiring a wealth manager when:
It's crucial to conduct thorough research and consultations before selecting a wealth manager. Remember, the right guidance can make a world of difference in achieving your financial goals. Contact Affinity Financial today for a free, no-obligation wealth consultation.
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.
