FAQS

Who are RWB Wealth?

RWB Wealth Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited. We chosen to work with this network as it allows us access to exclusive deals which are not available on the high street.

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 best retirement possible. For any bespoke services which we do not directly offer, we work with a network of specialist advisors who can assist your unique needs.

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 or any other location suitable for you. You can also contact us by phone or email.

What does a first meeting involve?

Our first meeting will always be about getting to know you. The advice we give is only as good as the information you provide to us so whether you are looking for a mortgage, pension or investment advice, we will always aim to understand your unique personal circumstances.

Do you charge VAT?

No. As an intermediary our services do not currently attract VAT.

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 which are not available on the high street or to small IFA’s.

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).

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 best for you and your family.

How much does a Financial Advisor Cost / How much does Financial Advice Cost?

At RWB Wealth you will be allocated a personal financial advisor who will advise you of all the costs associated with your investments. Costs are determined by the complexity of the investment and the time taken to complete the investment.

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 we will make sure your mortgage application is done timely and correct.

How long does it take to Sell a House from Offer To Completion?

The average time quoted to sell a house is in the region of 6-8 weeks from start to finish, however, it can take longer depending on the circumstances and the complexity of the sale i.e. is it a house? Is it a flat? Are there any restricted covenants? It can also come down to the speed of the solicitor on both sides of the sale. At RWB we advise clients that if everything is straight forward with the sale, we would have to see you in the property by 8 weeks.

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 best 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, or leave a legacy payment to loved ones. There are many different uses, so it is always advisable to explore the options and the affordability of life insurance. 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.

How do I make a complaint?
If you are unhappy with any of any of our services then please contact us and we will aim to do everything we can to make things right.

You can also make a complaint to Quilter:
In writing:
Quilter Financial Planning Complaints Department, Riverside House, The Waterfront, Newcastle upon Tyne NE15 8NY
Email: [email protected] Tel: 0191 241 0700

If you are still unsatisfied, you also have the right to refer your complaint to the Financial Ombudsman Service can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Telephone: 0300 1239123 Email: [email protected]     www.financial-ombudsman.org.uk

JUST ASK US…

We’re here to help you with any of your questions. If you’d like to contact us or have a query, please fill in the form below and we’ll get back to you. 

CONTACT US

T: 02921 990115 
E: [email protected]

RWB Wealth Ltd
Sophia House
28 Cathedral Road
Cardiff
CF11 9LJ

© Copyright 2020 RWB Wealth - RWB Wealth Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Planning Limited and Quilter Mortgage Planning Limited are entered on the FCA register (https://register.fca.org.uk/) under references 440703 and 440718. The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
RWB Wealth Ltd is registered in England and Wales, Company Number: 11978941. Registered Address: RWB Wealth Ltd, Sophia House, 28 Cathedral Road, Cardiff, CF11 9LJ

Site by Treganna Design

JUST ASK US…

We’re here to help you with any of your questions. If you’d like to contact us or have a query, please fill in the form below and we’ll get back to you.

 

CONTACT US

Have any questions? Want to know a little more? Just give us a message and we will let you know if we can help.

 

 T: 02921 990115 

E: [email protected]

 

 RWB Wealth Ltd
 Sophia House
 28 Cathedral Road
 Cardiff
 CF11 9LJ

© Copyright 2020 RWB Wealth - RWB Wealth Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Planning Limited and Quilter Mortgage Planning Limited are entered on the FCA register (https://register.fca.org.uk/) under references 440703 and 440718. The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
RWB Wealth Ltd is registered in England and Wales, Company Number: 11978941. Registered Address: RWB Wealth Ltd, Sophia House, 28 Cathedral Road, Cardiff, CF11 9LJ

Site by Treganna Design