Business Details
50+ Years
experience
Independent Financial Advisers in Hawarden
Cambrian Associates has been delivering independent financial advice since 1973, founded by Roger Taylor as Cambrian Investments. Based in Hawarden, North Wales, we've grown while maintaining our commitment to personalized service. Our family business ethos remains strong, with Roger's son Jack and daughter Sally now serving as directors. We specialise in holistic financial planning, offering services across pensions, mortgages, tax planning, and protection. Our team of experienced advisers holds over a century of combined industry expertise, serving clients from Millennials to retirees.We operate under a strict Code of Ethics, prioritising client needs through face-to-face consultations and ongoing portfolio management. Our WRAP platform provides access to 2,000+ funds via Standard Life, with annual rebalancing to maintain risk alignment. We assist businesses with workplace pension compliance and offer equity release solutions meeting SHIP standards. Our regulatory oversight by the FCA ensures adherence to the highest professional standards.
Services
Financial Planning
Pension Advice
Mortgage Solutions
Tax Planning
Protection Services
Investment Management
Equity Release
Estate Planning
Workplace Pensions
Long Term Care Funding
Details
- Year established: 1973
Highlights and features
- We've provided financial advice since 1973 with a century of combined team experience
- We offer whole-of-market mortgage and investment solutions
- Our holistic approach integrates pensions, tax planning, and protection services
- We maintain FCA regulation and rigorous annual WRAP platform due diligence
- Our family business ethos ensures personal service with multi-generational continuity
Associations and certifications
- Financial Conduct Authority
What people say
Professional excellence
No technical jargon
Added significant value
Exceptional support during crisis
Superior mortgage solutions
Services
Financial Planning
Our financial planning service creates tailored strategies for wealth growth and preservation. We assess your complete financial picture to develop comprehensive roadmaps for achieving short and long-term goals. With expertise in cash flow modelling and risk management, we help clients navigate life changes while maintaining financial stability. Our approach combines investment optimisation with tax efficiency strategies.
Pension Advice
We specialise in maximising pension outcomes through strategic consolidation and drawdown planning. Our advisers help clients understand their pension options including tax-free withdrawals and lifetime allowance management. We provide ongoing portfolio reviews to ensure retirement plans remain aligned with changing circumstances and market conditions.
Mortgage Solutions
Our whole-of-market mortgage service identifies optimal financing solutions for purchase or remortgage. We offer ongoing deal monitoring and proactive renewal advice to ensure clients maintain competitive rates. We also specialise in equity release schemes meeting SHIP standards for clients aged 55+.
Tax Planning
We develop strategies to minimise tax liabilities through legitimate allowances and investment structures. Our expertise covers inheritance tax mitigation using trusts and IHT-efficient investments. We help clients utilise ISA allowances and capital gains tax exemptions while maintaining investment objectives.
Protection Services
We provide comprehensive protection solutions including life assurance, critical illness cover, and income protection. Our advice ensures clients maintain financial security against unforeseen events. We offer private medical insurance options and bespoke protection strategies integrated with overall financial plans.
People
Roger Taylor
Managing Director
Founded Cambrian Investments in 1973 after leaving teaching. Served as Managing Director until 2011, maintaining strategic oversight while son Jack assumed client responsibilities. Continues active involvement in business development and governance.
Jack Taylor
Director
Joined Cambrian in 2008, becoming director and taking over client advisory responsibilities from his father in 2011. Specialises in pension consolidation and retirement planning while maintaining the firm's commitment to personal service standards.
Howard Morris
Care Funding Specialist
Certified member of the Society of Later Life Advisers since 2008. Specialises in long-term care funding solutions, conducting comprehensive assessments to identify optimal funding strategies including immediate care plans and NHS continuing healthcare applications.
John Brown
Workplace Pension Specialist
Chartered financial planner with expertise in auto-enrolment compliance. Manages implementation of workplace pension schemes for businesses, specialising in staging date planning and scheme selection for employers across various industry sectors.
Stephen Hopkins
Senior Adviser
IFA since 2000, specialising in mortgage solutions and equity release. Provides technical expertise on property financing structures while maintaining direct client advisory responsibilities and mentoring junior team members.
Questions
What financial services do you specialise in?
We specialise in pensions, mortgages, tax planning, investment management, and protection services. Our holistic approach integrates these areas to create comprehensive financial strategies tailored to individual circumstances.
Are you regulated by any financial authority?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA 158976), ensuring our advice meets strict professional standards and client protections.
How do you charge for financial advice?
We use transparent fee structures including fixed fees for pension implementation and ongoing service charges. Initial consultations are provided at no cost to discuss your specific requirements.
Can you help with workplace pension compliance?
Yes, we specialise in auto-enrolment compliance, offering complete implementation services and ongoing support for employers with staging dates within 12 months.
Do you offer equity release advice?
We provide equity release advice meeting SHIP standards, focusing on lifetime mortgages that suit individual circumstances while explaining all associated risks and benefits.
How do you handle long-term care funding?
Our certified later-life advisers assess your situation to identify appropriate funding solutions, including immediate care plans and NHS continuing healthcare applications, with initial consultations at no cost.
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