Business Details
13 Years
experience
Your Trusted Financial Advisers in South Wales
Established in 2013, WPS Wealth transitioned to direct authorisation by the Financial Conduct Authority in 2025, solidifying its position as an independent fee-based financial planning firm. We specialise in holistic financial planning, offering whole-of-market advice across retirement planning, tax and estate strategies, mortgage solutions, and personal/business protection. Our team of highly qualified advisers combines sector-specific expertise with advanced technology to evaluate thousands of products, ensuring tailored recommendations aligned with individual risk profiles and long-term goals.With a network of professional connections including lawyers, accountants, and fund managers, we provide comprehensive solutions while maintaining transparency through detailed product comparisons and regulatory compliance. Our service model accommodates both face-to-face interactions and digital portfolio management, reflecting our commitment to adapting to evolving client needs in a post-pandemic landscape.
Services
Retirement Planning
Life Assurance
Mortgage Advice
Estate Planning
Investment Management
Tax Planning
Pension Transfers
Trust Administration
Auto Enrolment
Protection Planning
Details
- Year established: 2013
Highlights and features
- We are directly authorised by the Financial Conduct Authority for regulatory excellence
- Our advisers hold specialist qualifications in retirement planning and tax-efficient investments
- We utilise proprietary technology to evaluate 10,000+ financial products across the market
- We maintain transparent fee structures with no hidden commissions
- Our network includes 50+ professional connections across legal, accounting, and insurance sectors
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
Our FCA-authorised retirement specialists create tax-efficient pension strategies tailored to individual circumstances. We analyse existing arrangements, assess risk tolerance, and recommend solutions including SIPP management, annuity purchases, and lifetime allowance optimisation. With expertise in both pre-retirement funding and post-retirement income planning, we help clients navigate complex legislation while ensuring compliance with evolving regulatory requirements.
Investment Management
Utilising advanced risk-profiling systems, we construct diversified investment portfolios aligned with client objectives. Our services cover unit trusts, OEICs, and venture capital trusts, with ongoing monitoring through our internal investment committee. We specialise in creating tax-efficient structures while maintaining flexibility for life's changing circumstances, supported by partnerships with leading stockbrokers and discretionary fund managers.
Mortgage Advice
Our whole-of-market mortgage specialists provide impartial advice across all product types including first-time buyer schemes and buy-to-let financing. We combine access to competitive rates with comprehensive protection planning, ensuring clients understand total repayment obligations. Our technology-driven approach evaluates thousands of products while maintaining personal guidance throughout the property transaction process.
Estate Planning
We develop comprehensive estate planning strategies to minimise inheritance tax liabilities through legitimate financial instruments. Our services include trust creation, lifetime gifting strategies, and business property relief investments. Working alongside legal professionals, we ensure coordinated implementation of wills, powers of attorney, and trust administration frameworks that protect family wealth across generations.
Life Assurance
We provide tailored protection solutions including term assurance, critical illness cover, and income protection policies. Our advisers specialise in structuring policies within trusts to mitigate inheritance tax while ensuring financial security for dependants. We offer ongoing policy reviews to maintain appropriate coverage levels as clients' personal and financial circumstances evolve over time.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning across retirement strategies, investment management, mortgage solutions, estate planning, and protection products through our FCA-regulated advisers.
How are your financial advisers qualified?
Our team holds advanced qualifications in specialist areas including pension transfers, tax planning, and investment management, with ongoing professional development mandated by regulatory requirements.
What areas do you cover?
While based in South Wales, we serve clients nationwide through our combination of local expertise and digital portfolio management capabilities.
How do you select investment products?
We use proprietary technology to evaluate thousands of products across the market, combined with manual due diligence by our internal investment committee to ensure appropriate selection.
Are your services fee-based?
We operate a transparent fee structure supplemented by regulated commissions, with all charges clearly disclosed during our initial consultation process.
