RWB Wealth Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. We have chosen to work with this network as it allows us access to exclusive deals which are not available on the high street or to many IFAs.
What Services do you offer?
We aim to provide a range of services for all your financial needs. We can assist you in everything from arranging a mortgage for your first home to ensuring your pension provides you with the most appropriate retirement (Inheritance Tax planning and CGT advice is not regulated by the Financial Conduct Authority). We can also advise in specialist areas such as Inheritance Tax queries and CGT calculations.
Do I have to pay for a meeting?
No. We are happy to meet with you to discuss what services we offer and to determine whether our services are right for you. There is no obligation to take our services after our initial meeting.
Where can I meet you?
We are happy to meet with you at your home, in our office, in a coffee shop or wherever suits you. If you prefer, we can also conduct meetings via phone, email or zoom.
What does a first meeting involve?
Our first meeting will always be about getting to know you and what you are looking to achieve. From there we can see if our services are appropriate for your needs and if so plan the next steps in helping you achieve your goals.
Do you charge VAT?
As an intermediary, our services do not generally attract VAT. We will always inform you upfront if VAT is going to be applicable.
Are you an independent firm or part of a network?
RWB Wealth Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. We have chosen to work with this network as it allows us access to exclusive deals (like mortgage exclusive deals) which are not available on the high street or to many IFAs.
How safe is my money?
Investments can increase in value, but they can also fall in value, past performance is not an indicator of future performance. If an investment company stops trading, you are covered for up to £85,000 by the Financial Services Compensation Scheme (FSCS).
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Past performance is no guarantee of future returns.
What is Financial Planning / What Is A Financial Plan?
Financial planning (UK) is a detailed analysis of your personal circumstances and financial affairs. The financial planning process should be conducted by a qualified financial advisor who will explain in depth What is financial planning and what is a financial plan personal to you and your circumstances. RWB wealth management Cardiff strive to be the Best financial advisers Cardiff can offer and we promise to advise you on what is the most appropriate for you and your family.
How much does a Financial Advisor Cost / How much does Financial Advice Cost?
At RWB Wealth we will advise you of all the costs associated with any work undertaken before you agree to engage with us. Costs are determined by the complexity of the work and the time taken to complete it. So the cost will depend on your own personal circumstances. However, there is no cost for an initial meeting.
How to find a Financial Adviser / Advisor and which Financial Advisor should I Use?
At RWB Wealth our commitment to you is to ensure that our advice is totally tailored to your individual needs and life goals, and we will always ensure you fully understand any advice we give, and the associated risks.
How long does a Mortgage Application take?
The time to complete a mortgage application will depend entirely on the complexity of the mortgage itself. A standard mortgage application can take as little as a few days, providing all the documentary evidence required is available. For more complex cases an estimated time frame is usually 2-6 weeks. To speed things up it’s best to have all of the relevant documents to hand in advance, which can include pay slips and identification. At RWB Wealth we will make sure your mortgage application is done timely and correct.
How to Save for a House?
We can advise you on specific products designed to build up a deposit from your existing income. We can also advise you as to alternative ways of raising monies for a deposit from other possible sources. This will depend on your circumstances, but we will strive to achieve the most appropriate outcome for you.
Do I need Life Insurance?
Life insurance is a personal choice but used in the right way can protect your whole family in many ways. Life insurance can be used to cover existing debt (such as a mortgage), to provide long term regular income for your family (if you are the main earner) and it can also be used to combat inheritance tax bills when you die. It can also be used to leave a legacy payment to loved ones. We can advise you on the amount of cover required to cover your future needs and to protect your family to give you peace of mind.
Inheritance Tax planning and CGT advice is not regulated by the Financial Conduct Authority
We answer some of your Common Questions and give some General Information