We are an Independent Financial Adviser based in Cardiff and operating since 1985. The principle Independent Financial Adviser responsible for looking after clients is Mr. Balu Bhayani. Mr. Bhayani was born in India, brought up and educated in Kenya and arrived in UK in 1970. He worked for a number of years as a Head Book-keeper in a small private firm and commenced his Financial Services business in 1985. After working for one year for a Life Insurance Company he became an Independent Financial Adviser in 1986 and is governed by the Financial Regulatory Body.

Products from the Whole Market

We are not tied to any one company. We offer products from the whole of market. Although we deal with most types of products, we now specialise in Investments and Pensions. Both subjects are complex and needs thorough understanding. People’s financial well being and retirement depends very heavily on the final outcome of actions taken during early years. With thousands of products available in the market it is literally impossible for the client to choose the appropriate and best contract. Through our extensive research we narrow down the list and present the best, appropriate and affordable product/s to you.

Education

In order that our clients do not end up with the wrong contract/investment, we believe in educating our clients, providing appropriate guidance and carry out necessary planning. In doing so our main aim is to make sure that your financial well being is maintained throughout your life span, your family and assets are properly protected and your objectives fulfilled.

Control

Having full control of your investment is an important issue. It gives you an instant picture of your net worth at any given time. After providing all guidance and putting the financial plan into action, you will be able to monitor, control and carry out necessary adjustments as and when required. Not only will this give you immense pleasure but also peace of mind. There is nothing better than knowing that by taking this route not just you but probably your future generations could be able to live comfortably for the rest of their lives. Naturally this will depend on the size of your investment and the time horizon available.

Always with you

No doubt you will need our ongoing help and guidance in selecting appropriate products – in particular investment funds - as and when circumstances demand. Our assistance always remains with you.

If you have never utilised our services before it’s about time that you do it now.