Your Trusted Financial Advisers in Cardiff and South Wales.
- Harness your pensions and investments, safeguard your financial future.
- Access the latest technology to visualise progress towards your financial goals.
- Our 5* rated team is ready to hear from you today.
Get in touch for a no-obligation chat with an adviser about how we might be able to help.
Get in touch
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.
What do we do?
Our experienced team is here to help you plan a better financial future. We also help invest your money safely and achieve financial success.
Our cash flow modelling software helps us illustrate the best ways for you to invest and draw money down from your investments – like pensions.
No two clients are the same, so when we help build your financial plan, or help you choose pensions or investments, we’ll always make sure:
- Your plan in focused on achieving your medium / long term goals
- You never take more financial risk than your comfortable with
- You're clear on costs and charges
- Your investment remains tax efficient, right for your circumstances and attitude to risk.
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.
What people are saying:
Why choose us?
Our financial plans are state of the art.
Our systems factor in 1000s of data points to help forecast your financial plan based on your current circumstances, aims and objectives.
We can project the impact of death, early retirement, increased investment contributions and market shocks.
We’ll also illustrate for approximate tax burdens throughout your financial journey to ensure your plan achieves maximum efficiency and gives you peace of mind.
Direct contact with your own financial adviser.
In most cases, you’ll have direct access to the same trusted adviser to set up, manage and draw down your investments in line with your financial plan throughout your entire journey.
Your adviser will typically be able to work with you online, or subject to availability, in person.
Building this relationship means we know your financial situation inside out/ You’ll never have to explain anything twice and you can rest assured that your investment remains aligned with your objectives.
A small business with access to big names and exclusive products.
As a client of Exley Financial Planning, you’ll benefit from our partnership with some of the biggest financial brands in the UK.
Our Process
1. Initial Review at our expense
When we give financial advice, no two clients are the same.
For that reason, we offer an initial review at our expense with no obligation.
During your review, you’ll find out how we can help you meet your financial goals, what we can offer, and what our services are likely to cost.
2. We'll create a bespoke financial plan
The first step towards providing any sort of financial advice is creating a plan.
The more information we can get about you and your finances, along with your aims and objectives, the more accurate and useful this plan will be.
We use state of the art cash flow modelling systems created by a company called Voyant.
Our cash flow modelling systems collate information about all of your assets, pensions and investments to project your financial future.
If you’re on track to where you want to go – great! If not, we can figure out the best way of getting you where you want to be.
3. We'll put your plan into action
Once we’ve created a financial plan that meets your aims and objectives, we’ll offer to put the plan into action.
This could involve transferring existing arrangements, or making new ones. It could also involve leaving some of your arrangements in place.
4. We'll be in touch when it's time to review
You’ll typically be able to track your investments using an app or portal.
Most of our clients ask us to keep our eyes on their investments too. We aim to make sure your investment plan continues to fulfil its intended purpose and we typically touch base with our clients annually.
Questions we’re asked.
When is the best time to seek financial advice?
Most of our clients come to us at a point in their life where they have burning financial questions. For example, having just acquired a new business, having moved job recently, or as they move perilously close to retirement.
That being said, the best time to seek financial advice in our view is as soon as possible. Getting in touch sooner rather than later means your money has more time to grow, and any opportunities for tax efficient financial planning can be taken earlier.
Why can't I just do this myself?
It’s true that a small number of people do have the expertise, knowledge and composure to set up and manage a financial plan successfully themselves. However, we find that most benefit tangibly from our advice, be it from peace of mind of knowing your savings are protected and your advice insured, or from tax savings / investment growth.
Managing a financial plan is an ongoing endeavour, and you’ll need to adapt it as your financial position and goals change, you’ll also need to make sure you keep on top of any changes to tax rules and regulations.
I already have an adviser. Can you still help me?
We often speak to clients who have a financial adviser when they first approach us. We can always offer a second opinion on your financial arrangements.
If you feel that your adviser is not providing a sufficient level of service, and we think that our investment products can cater for your needs as well as, or better than your existing adviser, we might be able to transfer management of your financial plan to ourselves.
How do you give financial advice?
We start off by understanding what you want from your financial adviser, and explaining what we might be able to do to help you. This is done typically over the phone, or via a Teams meeting.
If we decide to work together, we’ll tailor a financial plan and investment solution aimed towards achieving your financial goals. This will take account of your responsibilities, investments, protection and tax planning.
Once we’ve got your plan up and running we’ll be in touch regularly to review your position. We’ll always be on hand to offer support and answer your questions.
Can I choose where to invest my money?
Our financial advice takes account of your priorities and attitudes towards risk, and your fund recommendation will reflect this.
We have access to a range of risk based funds.
We also have access to a range of specialist funds including Environmental, social and corporate governance (ESG) funds, tracker funds and geographically specific funds.
Can I choose my adviser?
Yes, you can choose who you would prefer to work with, but all of our advisers are level 4 qualified and regulated to provide expert financial advice.
What protection do I have?
We don’t hold client money, other than any fees you pay us directly.
As for your investment, as you may know, there will almost always be a degree of risk – your fund may go down in value as well as up, and you may not get back what you invested. To help manage your risk exposure, we’ll always ask you to complete our risk profiler. This helps us determine which products might be right for you.
Your investment is also generally covered up to £120,000 by the Financial Services Compensation Scheme (www.fscs.org.uk)
We’re highly regulated for your peace of mind. This means that our advice is backed by professional indemnity insurance.
If you’re still not satisfied, you can contact the Financial Ombudsman Service (www.financial-ombudsman.org.uk).
What’s more, we have robust systems in place designed to protect your data. We’re registered with the ICO and any data you share with us is used only in accordance with our data protection disclaimer.
This may include access to institutional products which are not available to you directly.