What to bring to a first financial advice meeting
A practical checklist of statements, policy schedules, and household figures that make a discovery meeting useful rather than vague.
Journal
Field notes for people making money decisions
Short articles rooted in the questions clients bring to our Wales office — pensions, retirement income, and protection — written for households, not product shelves.
When pension consolidation helps — and when it does not
Consolidation can cut charges and clutter, but safeguarded benefits and exit penalties sometimes make leaving pots separate the wiser choice.
Building a retirement income that matches Welsh living costs
State Pension timing, council tax bands, and heating patterns all shape how much you need to draw — abstract percentage rules rarely fit a real household.
Life cover for joint mortgages — questions couples forget to ask
Sum assured, ownership, and trust wording matter as much as the monthly premium when a mortgage sits in both names.