Business Details
50+ Years
experience
Independent Financial Advisers in Hawarden
Cambrian Associates has been providing independent financial advice since 1973, serving clients across the UK from our Hawarden office. As a family-run business with over 50 years of combined experience among our directors, we specialise in holistic financial planning that adapts to clients' evolving needs throughout their lives. Our services encompass pensions, retirement planning, mortgage advice, tax-efficient investments, and protection solutions, all delivered through face-to-face consultations.We maintain rigorous professional standards as an FCA-authorised firm, prioritising transparent communication and long-term client relationships. Our team of qualified advisers combines local market knowledge with access to the whole of market products, ensuring tailored solutions for individuals and businesses. We remain committed to continuous professional development and maintaining the highest ethical standards outlined in our Code of Ethics.
Services
Financial Planning
Pension Advice
Mortgage Services
Tax Planning
Protection Solutions
Retirement Planning
Investment Management
Equity Release
Estate Planning
Long Term Care
Details
- Year established: 1973
Highlights and features
- We have over 40 years of experience in independent financial advice
- Our advisers hold professional qualifications including FPFS and DipPFS
- We provide holistic financial planning tailored to individual circumstances
- We are authorised and regulated by the Financial Conduct Authority
- We offer free initial consultations with no obligation
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Highly recommend
Professional excellence
No technical jargon
Great source of comfort
Services
Financial Planning
Our financial planning services create tailored strategies that evolve with your life changes. We assess your current financial position, future goals, and risk tolerance to develop comprehensive plans covering investments, pensions, and tax efficiency. With access to the whole of market products, we help clients maximise their financial potential while maintaining appropriate risk levels. Our ongoing reviews ensure your plan remains aligned with your changing circumstances.
Pension Advice
We provide expert guidance on all pension types including workplace schemes, personal pensions, and self-invested personal pensions (SIPPs). Our advice covers pension consolidation, tax-efficient withdrawals, and retirement income strategies. We help clients understand their options for accessing pension funds, including the 25% tax-free lump sum, while ensuring compliance with HMRC regulations. Our goal is to maximise your retirement income security.
Mortgage Services
Our whole-of-market mortgage advice covers residential, buy-to-let, and equity release mortgages. We assess your financial situation to identify the most suitable lending options, considering interest rates, repayment terms, and associated fees. Our service includes mortgage application support, remortgaging strategies, and monitoring to ensure you remain on the most appropriate deal throughout your mortgage term.
Tax Planning
We help clients optimise their tax positions through legitimate tax planning strategies. Our services include utilising ISA allowances, capital gains tax planning, and inheritance tax mitigation. We recommend tax-efficient investment vehicles while ensuring compliance with HMRC regulations. Our approach focuses on preserving wealth through strategic asset allocation and trust planning where appropriate.
Protection Solutions
We offer comprehensive protection planning including life assurance, critical illness cover, and income protection. Our advice ensures clients have appropriate safeguards against financial hardship from unexpected life events. We assess individual needs to recommend suitable coverage levels and policy structures, including combined life and critical illness policies with buy-back options for enhanced protection.
People
Roger Taylor
Managing Director
Founder of Cambrian Associates with over 50 years in financial services. Established the company in 1973 and continues to oversee strategic direction while maintaining client relationships. Brings extensive industry experience and leadership to the firm's operations.
Norma Taylor
Financial Director
Co-director managing financial operations with deep understanding of business finance and client portfolio management. Plays key role in ensuring financial integrity and long-term sustainability of the firm's operations.
Jack Taylor
Director & Adviser
Second-generation financial adviser with FPAFS qualification. Handles client portfolios and provides investment advice while contributing to strategic decision-making. Brings modern perspective to traditional financial planning principles.
Howard Morris
Care Funding Specialist
SOLLA-accredited specialist in later life financial planning. Focuses on long-term care funding solutions and has developed expertise in navigating complex care cost regulations since 2008.
John Brown
Workplace Pension Specialist
DipPFS-qualified expert in auto-enrolment and workplace pension solutions. Advises businesses on pension compliance and implementation strategies while managing client relationships.
Questions
What financial services does Cambrian Associates offer?
We provide comprehensive financial advice including pensions, retirement planning, mortgage solutions, tax planning, protection policies, and long-term care funding across the UK.
Are Cambrian Associates regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA 158976) for financial services activities.
How can Cambrian help with retirement planning?
We offer tailored retirement planning services covering pension consolidation, tax-efficient withdrawals, and income strategies to ensure financial security in retirement.
Do you provide workplace pension advice for businesses?
Yes, we specialise in workplace pension compliance including auto-enrolment, staging date planning, and pension scheme implementation for UK businesses.
What makes Cambrian different from other financial advisers?
As a family-run business with over 40 years' experience, we combine personal service with professional expertise and offer free initial consultations.
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