Business Details
13 Years
experience
Your Trusted Financial Advisers in South Wales
Established in 2013, WPS Wealth Ltd transitioned to direct authorisation by the Financial Conduct Authority (FCA) in April 2025, reinforcing our commitment to regulatory excellence. Our firm specialises in independent financial planning, offering whole-of-market advice across retirement planning, tax and estate strategies, mortgage solutions, and personal/business protection. Headquartered in South Wales, our fee-based model ensures impartiality, with advisers holding advanced qualifications in niche areas like inheritance tax mitigation and pension legislation. We leverage proprietary technology to evaluate thousands of financial products, prioritising transparency through detailed product comparisons and client-accessible documentation.Our team collaborates with external professionals, including solicitors and accountants, to deliver holistic solutions tailored to evolving client needs. With a focus on long-term relationships, we provide ongoing portfolio reviews and adapt financial plans to life's inevitable changes. Our investment committee ensures recommended funds align with client risk profiles, while our digital platforms enable secure online portfolio management. Regulated by the FCA, we maintain rigorous compliance standards, ensuring all advice adheres to the latest legislative requirements.
Services
Retirement Planning
Life Assurance
Mortgage Advice
Investment Committee
Estate Planning
Details
- Year established: 2013
Highlights and features
- Direct authorisation by the Financial Conduct Authority ensures regulatory compliance
- Advisers hold specialist qualifications in pension and inheritance tax planning
- Whole-of-market product analysis using proprietary technology
- Collaboration with legal and accounting professionals for holistic solutions
- Investment committee oversight maintains fund performance standards
Associations and certifications
- Financial Conduct Authority
Services
Retirement Planning
Our FCA-authorised advisers specialise in creating tax-efficient retirement strategies, addressing pension funding and income planning. We navigate complex legislation to optimise final salary schemes, self-invested personal pensions, and annuity options. Our team provides face-to-face guidance for at-retirement decisions, ensuring compliance with evolving lifetime allowance regulations.
Life Assurance
We offer comprehensive personal protection solutions including term assurance, critical illness cover, and income protection policies. Our advisers help structure policies in trust to mitigate inheritance tax liabilities while ensuring financial security for dependants. We specialise in aligning protection strategies with broader estate planning objectives.
Mortgage Advice
Our mortgage specialists access the entire market to compare competitive rates for first-time buyers, remortgagers, and buy-to-let investors. We integrate life cover recommendations with mortgage solutions while maintaining independence from specific lenders. Our technology ensures comprehensive product comparisons across all mortgage categories.
Investment Committee
Our internal investment committee conducts ongoing due diligence on recommended funds, maintaining performance benchmarks against client risk profiles. The team ensures compliance with FCA regulations while providing paraplanning support to maintain consistent investment strategies across client portfolios.
Estate Planning
We develop inheritance tax mitigation strategies using business property relief investments and lifetime gifts. Our advisers collaborate with legal professionals to implement will planning solutions while managing trustee investment responsibilities through structured review processes.
Questions
What financial planning services do you offer?
We provide retirement planning, mortgage advice, life assurance, investment management, and estate planning services tailored to individual client needs.
Are you regulated by the Financial Conduct Authority?
Yes, we became directly authorised by the FCA in April 2025, ensuring compliance with strict regulatory standards.
How do you select investment products?
Our investment committee conducts ongoing due diligence, evaluating funds against performance benchmarks and client risk profiles across the entire market.
Can you help with pension auto-enrolment?
Yes, we advise employers on compliance requirements and help implement qualifying workplace pension schemes meeting regulatory standards.
Do you offer online portfolio access?
Yes, our digital platforms allow secure online portfolio management while maintaining personal advisory support for complex decisions.
How are your advisers qualified?
Our team holds advanced qualifications in specialist areas including pension legislation, inheritance tax planning, and investment management.
