Business Details
13 Years
experience
Your Trusted Financial Advisers in South Wales
Established in 2013, WPS Wealth Ltd is a fully independent, fee-based financial planning firm directly authorised by the Financial Conduct Authority. Our team of highly qualified advisers specialises in delivering whole-of-market advice across retirement planning, tax and estate planning, mortgage solutions, and investment management. With a focus on professional connections and their clients, we leverage advanced technology to evaluate thousands of financial products, ensuring impartial recommendations tailored to individual risk profiles and long-term goals. Our advisers hold additional qualifications in niche areas such as inheritance tax planning and pension legislation, supported by a dedicated investment committee that continuously reviews fund performance and market trends.We prioritise transparency, offering clients direct access to portfolios and documentation while maintaining a client-centric service that balances personal face-to-face interactions with digital convenience. This structured approach, combined with partnerships with legal and accounting professionals, ensures comprehensive financial strategies aligned with evolving regulatory and personal circumstances.
Services
Retirement Planning
Life Assurance
Mortgage Advice
Estate Planning
Investment Management
Tax Planning
Auto Enrolment
Trustee Services
Savings Strategies
Pension Solutions
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 pension and tax legislation
- We utilise proprietary technology for impartial whole-of-market product comparisons
- Our investment committee ensures continuous fund performance monitoring
- We integrate legal and accounting professionals for comprehensive financial strategies
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
Our retirement planning service helps clients navigate complex pension legislation and auto-enrolment requirements. We specialise in defined contribution schemes, annuity purchases, and lifetime allowance optimisation while ensuring tax-efficient income solutions. Advisers complete additional training to maintain authorisation in this specialist area.
Estate Planning
We provide comprehensive estate planning solutions including will creation, trust structures, and business property relief strategies. Our team works with legal professionals to implement tax-efficient wealth transfer plans while addressing lifetime gifting and probate considerations.
Mortgage Advice
Our whole-of-market mortgage service covers first-time purchases, buy-to-let, and commercial mortgages. Advisers access competitive rates across 90% of UK lenders while providing associated protection advice. Technology integration ensures comprehensive product comparisons and affordability analysis.
Investment Management
We offer tailored investment solutions across unit trusts, ISAs, and offshore structures. Risk profiling determines appropriate asset allocation while our investment committee continuously monitors fund performance against benchmarks. Discretionary fund manager partnerships enhance portfolio diversification options.
Life Assurance
Our protection services include term assurance, critical illness cover, and income protection policies. Advisers specialise in trust structuring to mitigate inheritance tax liabilities while ensuring policy proceeds reach beneficiaries efficiently through probate-exempt arrangements.
Questions
What financial planning services do you offer?
We provide retirement planning, tax-efficient investments, mortgage advice, estate planning, and business protection solutions tailored to individual circumstances.
Are you regulated by the Financial Conduct Authority?
Yes, we are directly authorised by the Financial Conduct Authority since April 2025 for our financial planning services.
How do you select investment products?
Our investment committee evaluates funds against benchmarks while advisers use proprietary technology to compare thousands of products for suitability.
Can you help with mortgage applications?
Yes, we offer whole-of-market mortgage advice covering residential, buy-to-let, and commercial properties with access to 90% of UK lenders.
Do you provide estate planning assistance?
We specialise in inheritance tax mitigation, will creation, and trust structures to ensure tax-efficient wealth transfer to beneficiaries.
