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Independent Financial Advisers (IFAs) Questions Answered

What is the role of IFA?  Independent Financial Advisers should provide independent financial advice on your pensions savings, investments and equity release on your property if you need some cash later in life. The is an argument that everyone needs an IPA. They can become your personal 'go to' stockbroker and general financial fixer. That is why I would suggest they you find one in or around Penarth or at least within Glamorgan. I would not recommend one miles away or never answered the phone. Another good way is personal recommendation. Ask a friend. Your IFA will be an important person in your life. You need to get them right!

How do IFA make money?
Some IFAs are on commission and others charge. Many people believe that if they are to be truly 'independent' they should not have a financial relationship with the funds that they recommend their clients to invest - as their advice will be biased in favour of the funds which pay them the best commission. The way to avoid this is to ask them and then pay them a fee for their financial advice. 

How do I find an IFA? Have a look below at the list of IFAs around Penarth. They are reviewed. Personally I would create a shortlist and simply visit them personally. There is nothing like knowing your IFA. That is the advantage of having a local one

 

Investing for beginners


This is a serious video about investing in the stock market. Crucially you will end up with realistic expectations.

My father was a stockbroker. The only thing that ever annoyed him were banks. Currently their 'interest rates don't even cover inflation! Personally I have got very keen on 'tracker funds' which simply track the stock market and are very cheap and usually perform as well or better than investment managers or stockbrokers - who are seldom cheap! You will often end up with a London or large city based firm rather than one around Penarth let alone Dinas Powys Baptist Church ! However this does not matter. I have seldom met my stockbrokers. This said have a look below for financial advisers and stockbrokers that we have found with Glamorgan.

Good luck! 

Independent Financial Advisers IFAs

KTS Owens Thomas

The Counting House, Dunleavy Dr, Cardiff CF11 0SN, UK – 029 2082 9000

Been working with these guys for some time. Great company that have really helped our business and continue to do so. Great advice and nice people to deal with.

KTS Owens Thomas provide an outstanding service and have always been very helpful whenever we communicate with them. Would definitely recommend.

Romilly Financial

26 Hickman Rd, Penarth CF64 2AL, UK – 029 2041 5100

Lovely honest people

Curo Advisers Ltd

1A Machen St, Penarth CF64 2UB, UK – 029 2025 6001

Wealthify

Tec Marina, Terra Nova Way, Penarth CF64 1SA, UK – 0800 802 1800

An excellent company you can have confidence in. A*!