WHAT WE OFFER
Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.
While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.
When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.
SAVINGS & INVESTMENTS
There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.
Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.
PENSIONS & RETIREMENT
As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.
Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.
Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche IFA are regulated by the FCA to advise and sell equity release products.
Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche IFA, we can help decide what type and level of insurance is suitable based on your current situation.
LONG TERM CARE
Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.
SERVICES TO OTHER IFAs
We are a firm of Independent Financial Advisers with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.
Here at Niche IFA, we have developed a widely-used online suite of financial planning tools called CashCalc. CashCalc includes a cashflow modeller which we make use of to provide you with a closer look at your current financial situation and potential future.
What we offer
We can provide financial advice on all aspects of your finances. Our independent financial advisers have significant experience and expertise; therefore we can provide specialist financial advice on everything from mortgages to pensions.
We operate in all areas of South Wales including Newport & Cardiff as well as Bristol and the South West of England.
The advice we give is tailored to you and your specific circumstances and we will review your entire financial situation to ensure the advice we give you is the most effective.
Cost of our services
We offer an initial meeting, at our cost, with no obligation.
We are fee based advisers, although sometimes companies give us the option of commission and we can consider using this to offset against our fees.
For a more detailed breakdown of prices click here.
Not only do we provide advice when you first come to us, but we can also provide an ongoing service by regularly keeping in touch with you to monitor any changes in your circumstances.
This can be particularly essential if:
- Your initial mortgage fixed or tracker rate comes to an end - we can review your mortgage to keep you on a competitive interest rate
- You have savings and/or investments - it is essential to ensure that your money is invested appropriately to the level of risk you are prepared to take
- You have pensions - as you are saving towards a specific purpose, it is important to ensure you will have a suitable income in retirement