Business Details
35 Years
experience
Your Trusted Financial Partner in Cardiff
Palmer Lane was founded in 1991 and has been delivering independent financial advice to individuals and businesses for over three decades. Our team of experienced advisers combines deep industry knowledge with a client-centric approach, working closely with professionals such as accountants and solicitors to address complex financial needs. We prioritise tailored solutions, ensuring our recommendations align with each client's unique circumstances and long-term goals. Our process begins with understanding your personal or business financial landscape, followed by developing and implementing customised strategies.Regular reviews ensure your plan remains aligned with evolving objectives. As a firm authorised and regulated by the Financial Conduct Authority, we uphold rigorous standards of professionalism and transparency. Our commitment to excellence has earned us longstanding client relationships and positive testimonials highlighting our expertise, clear communication, and dedication to client satisfaction.
Services
Financial Planning
Business Insurance
Mortgages
Pensions
Taxation
Details
- Year established: 1991
Highlights and features
- We offer 30+ years of experience in independent financial advice
- Our team holds professional qualifications and industry accreditations
- We provide tailored solutions aligned with individual client needs
- We maintain transparent communication throughout the advisory process
- We combine technical expertise with a client-focused approach
Associations and certifications
- Financial Conduct Authority
What people say
Impeccable service
Professional advice
Tailors investments
Clear explanations
Longstanding expertise
Services
Financial Planning
Our financial planning service helps clients achieve long-term goals through strategic investment and risk management. We assess your current financial position, create customised plans, and provide ongoing reviews. Specialising in retirement planning, tax-efficient savings, and legacy creation, we work with individuals and businesses to optimise financial outcomes while maintaining compliance with regulatory standards.
Business Insurance
We offer comprehensive business insurance solutions covering liability, property, and operational risks. Our expertise includes employers' liability, professional indemnity, and key person insurance. We help businesses understand their risk exposure and implement appropriate coverage strategies to protect assets and ensure continuity during unforeseen circumstances.
Mortgages
Our mortgage advisory service covers residential and commercial property financing. We provide guidance on fixed-rate, tracker, and buy-to-let mortgages, helping clients navigate affordability assessments and lending criteria. We work with multiple providers to find competitive solutions tailored to individual circumstances and property investment goals.
Pensions
We specialise in pension planning including SIPPs, SSAS, and occupational schemes. Our service covers contribution strategies, tax efficiency, and retirement income planning. We help clients review existing arrangements, consolidate pensions, and implement solutions aligned with their retirement objectives and risk profiles.
Taxation
Our tax advisory service focuses on legitimate tax efficiency strategies for individuals and businesses. We provide guidance on capital gains tax, inheritance tax, and income tax planning. We help clients understand changing regulations and implement structures to minimise tax liabilities while maintaining compliance with HMRC requirements.
People
Jeremy Freeman
Director & Financial Adviser
With over 30 years in financial services, Jeremy specialises in investment and tax planning. He joined Palmer Lane in 2006 after working with law firms and accountancy practices. His expertise focuses on creating tailored financial solutions for high-net-worth individuals.
Frances Palmer
Director & Financial Adviser
Frances has 35 years of financial services experience, including roles with product providers before becoming an IFA in 2000. She specialises in working with accountants and solicitors to deliver comprehensive financial solutions for diverse client portfolios.
Victoria Dare
Financial Adviser
Vicky has over 25 years of industry experience, starting with the NHS before joining Palmer Lane in 2006. She specialises in helping clients develop long-term financial strategies, combining technical knowledge with clear communication to explain complex financial concepts.
Questions
What areas do Palmer Lane cover?
We primarily serve clients in Wales with a focus on Cardiff, but provide financial advisory services to clients across the UK through remote consultations and digital communication tools.
Are Palmer Lane regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 475973, ensuring we meet strict professional standards in financial advice.
How does Palmer Lane approach financial planning?
We use a six-step process: understanding your circumstances, discussing goals, analysing your position, presenting tailored solutions, implementing plans, and conducting regular reviews to maintain alignment with your objectives.
What qualifications do your advisers hold?
Our team includes qualified financial advisers with professional designations and decades of combined experience, ensuring technical expertise and adherence to industry best practices in all our recommendations.
Can I get business insurance advice?
Yes, we specialise in business insurance solutions including employers' liability, professional indemnity, key person cover, and comprehensive packages tailored to specific industry requirements.
How do you handle client complaints?
We have a formal complaints procedure through Tenet Group Ltd, with escalation options to the Financial Ombudsman Service if needed, ensuring all concerns receive prompt and professional attention.
