At Exley Financial Planning, our Usk and Cardiff advisers are your partners on your financial journey. Our approach is rooted in knowledge, honesty, and care. We’re not gatekeepers – we’re guides.

We believe in empowering you with insights, ensuring you understand every option.

Our job isn’t just about products – be it mortgages or pensions – we’re with you every step, whether it’s purchasing a home or crafting a retirement plan.

Your dreams are our focus, and we’re here to make them a reality, together.

The job of a mortgage broker or mortgage adviser and the job of a financial adviser are typically distinct from each other. However, at Exley Financial Planning, we do both! 

Your mortgage adviser in Cardiff or Usk will help you find the most suitable mortgage, be that with a high street lender, or if your case is more unusual or complex, a specialist lender.

Your financial adviser in Cardiff or Usk will help you invest your money and pensions for the future tax efficiently and in line with your aims and objectives. 

We think having a financial adviser who can take care of your mortgages and investments is a powerful tool. Your pension and investment strategy will almost always have an impact on your mortgage and borrowing situation, and vice versa. Speaking to someone who can help with both can have huge benefits, and save you time.

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.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

We encourage our clients to book a call any time they like. This could be months or even years before they intend on purchasing a property. The more time you have to plan, the more likely you are to get approved. 

The sooner you start to plan your finances, the more likely it is you’ll be able to achieve your goals.

The value of most investments can rise and fall with global markets and this volatility can be particularly noticeable over the shorter term. Over the longer term, say 5 – 10 year plus, historically, investments have achieved more predicable returns.

This highlights the importance of planning ahead of your goals far in advance. A financial adviser can help you do that.

Past performance is not a reliable indicator of future performance and should not be relied upon.

Yes, this is one of the most common things we get asked. We can gather information about all of your existing pension policies and figure out if they’d be better placed in more modern funds or pooled together.

During this process we can also look at the type of funds you’re invested in, along with your contribution levels to figure out if there are any ways we can help increase the likelihood of you achieving your retirement goals. 

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.

Yes, our systems are designed so that we can give advice remotely. Although most of our clients live in the South Wales area, we’ve helped customers all over the UK.