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Specialists in Financial Services

OUR CLIENTS ARE THE HEART OF EVERYTHING WE DO TO PROVIDE THE BEST POSSIBLE SERVICE


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Who are we?

We are a family firm of Independent Financial Advice with over 50 years combined experience, who provide financial planning services to individuals and businesses. Unlike many Independent Financial Advisers we are not part of a network. Tailored Financial Advice Ltd is directly authorised by the Financial Conduct Authority where we can offer Independent and unbiased advice.

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We’re here to help.

Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straightforward. You tell us about your current situation and about your financial objectives and when you want to achieve them.

We develop a practical plan designed to help you meet those objectives. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.

Ethical & ESG

Is now the time to consider an Ethical or ESG Sustainable investment strategy? Socially responsible investment (SRI) and the use of Environmental, Social and Governance (ESG) investment criteria to guide investments has moved into the investment mainstream. Many private investors want a more active, objective driven approach. There is a realisation that ESG focused investments are not just philanthropic but a way to future proofing your investments where performance need not be compromised.

ISA

Every tax year you have an allowance to save or invest money up to a certain amount without any personal liability to tax on your returns. The ISA allowance for the 2020/2021 tax year which ends on the 5th of April, is £20,000 per person. There are four types of ISA for adults: cash, stocks and shares, lifetime and innovative finance.

Protection

Whilst insuring ourselves against an undesirable event such as sickness or death, may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.

Wills

If you die without a Will, then the government will decide who will inherit your estate in accordance with the Rules of Intestacy. These were drawn up in the 1920s, and despite major revisions in 2014, may not accord with your wishes.

Mortgages

Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time-consuming experience; nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender’s offer.

Pensions

Pensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired.

“Philip & Norman give sound financial advice which helped me choose my mortgage and investment in a professional manor. They made my decision making easy and comfortable to make.”

⭐⭐⭐⭐⭐Robert DaviesCabinet Member Swansea Council

“Philip & Norman have been brilliant with clear helpful advice. Their experience and knowledge of the marketplace is second to none.”

⭐⭐⭐⭐⭐Robert StewartLeader of Swansea Council

“Philip was straight forward in explaining to me in great detail without any jargon. This then helped me to make a good decision to invest, as he made everything seem straight forward.”

⭐⭐⭐⭐⭐Alan CurtisEx Swansea & Wales International