Financial Services

Phoenix Cymru has business partners who can support individuals and companies in their management of finances.

• Independent Financial Advisers or IFAs are professionals who offer independent advice on financial matters to their clients and recommend suitable financial products from the whole of the market. These are specialised, regulated financial professionals who will support you in a variety of financial ways including; estate planning, Inheritance Tax, pensions, insurance policies and planning for your future.
  
  
• Wealth management. This is also known as investment or fund management. Wealth management is an investment advisory discipline that incorporates financial planning, investment portfolio management and a number of aggregated financial services. High Net Worth Individuals (HNWIs), small business owners and families who desire the assistance of a credentialed financial advisory specialist call upon wealth managers to coordinate retail banking, estate planning, legal resources, tax professionals and investment management. Wealth managers can be independent certified financial planners, MBA's, CFA Chartholders who are credentialed professional money managers who work to enhance the income, growth and tax favoured treatment of long-term investors. One must already have accumulated a significant amount of wealth for wealth management strategies to be effective and is also one of the key areas that are growing at a tremendous rate.
  
  Wealth management can be provided by large corporate entities, independent financial advisers or multi-licensed portfolio managers whose services are designed to focus on high-net worth customers. Large banks and large brokerage houses create segmentation marketing-strategies to sell both proprietary and non-proprietary products and services to investors designated as potential high net-worth customers. Independent wealth managers use their experience in estate planning, risk management, and their affiliations with tax and legal specialists, to manage the diverse holdings of high net worth clients. Banks and brokerage firms use advisory talent pools to aggregate these same services.
  
  
• Mortgage advisers; the management of your home and its contents is essential when looking at making the best from your estate. With dedicated advisers you can save money and be secure in knowing that you have the best policies for you and your circumstances.
  
  
• Equity release. This is a means of retaining use of your house or other object which has capital value, while also obtaining a steady stream of income using the value of the house.
  
  The "catch" is that you have to re-pay the income-provider at a later stage, usually when you die. Thus equity release is particularly useful for senior citizens who do not wish to leave a large estate for their heirs when they die. This is particularly interesting to those without heirs or any specific person(s) and should be considered when making a will. The adviser will show you how you can release these funds to support your business or day to day life.

 

• DebtDR. This service is geared towards those in financial trouble. If you have problems with debt, please contact us to find a way of resolving your issues.
  
  
  

Initial consultation with any of our advisers is free, informal and without obligation and is usually conducted in the convenience of your home or a place of your choosing. If any service or product is invoked , then the costs incurred are greatly outweighed by the benefits you gain.

All of the aforementioned services are available through Phoenix Cymru. To find out more, or make an appointment, please contact us and a local provider will be appointed.