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Our Service
Financial Planning is a complex subject, setting strategies, deciphering the jargon, knowing how different products work, how products interact with each other and the long term implications such as taxation and potential changes in legislation, is a full time job and is exactly why there are full time advisers such as ourselves.

Our Aim
To provide strategic financial advice. Ours is a personalised service that adopts a holistic approach by focusing on all aspects of your finances. We seek to establish long term client relationships and to provide a straight forward plain English financial planning service.
We are focussed toward long term client relationships as we believe that this is the most effective way for clients to achieve their financial goals.

Why choose an Independent Adviser?
Being independent means that we are not tied to any one Company (or Mortgage Lender) and therefore the advice we provide is totally unbiased. Only after discussing your objectives will we research the entire UK market place on your behalf.

These are the areas of your financial planning that I will be able to help you with:

Pensions - Planning your retirement and the level of income required.
  • New or existing pension plan.
  • Retirement options such as annuities
  • Stakeholder pensions
  • Executive pension plans
  • Self invested personal pensions
  • Small self administered schemes

Investments – Making best use of your capital & surplus income.
  • Expert investment advice
  • Investment bonds
  • Unit trusts, individual savings accounts (ISA) and OEICs
  • PEP transfers
  • Inheritance & capital gains tax*

Protection – Ensuring you have appropriate cover for you and your family.
  • Life assurance
  • Critical illness protection
  • Income protection insurance

Property - Advising on mortgages and repayment strategies
  • Guidance on the best mortgage deal for you
  • Buy to let mortgages
  • Equity release schemes

*The Financial Services Authority do not regulate advice on taxation.








Click here to visit our sister site GeraldNationifa.co.uk
P.S.Pencoed is a trading style of Positive Solutions (Financial Services) Ltd. Positive Solutions is authorised and regulated by the Financial Services Authority. Registered as a Limited Company in England and Wales No. 3276760. Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY Tel: 0871 700 1111 Fax: 0871 700 0010