Preparation brings clarity
Our approach to financial planning was shaped by experience in some of the most demanding environments. As a former Commando, our founder learned the importance of preparation, precision and remaining calm when the situation becomes complex. Those same principles now shape the way we work with our clients.
- We listen before we advise
A recommendation can only be useful when it reflects your circumstances, priorities and concerns. We begin by understanding what matters to you.
- We make complexity easier to navigate
Pensions, investments, tax allowances, business interests and family needs can quickly become interconnected. We help you see the wider picture and understand your available options.
- We plan for real life
We build long-term relationships - your financial plan should account for change.
- Careers develop, families grow, businesses evolve and priorities shift. We provide ongoing advice so your plan can develop with you.
Good financial planning is not a single transaction. We aim to become a trusted source of support through important decisions,
opportunities and changes in your life.
- We are clear about how we advise
Habitual Wealth represents St. James's Place and provides advice solely on St. James's Place products and services. We will explain the scope of our advice and the charges involved before you decide whether to proceed.
A clear process, built around you
We take the time to understand your circumstances and goals, and work with you to create a personalised plan that evolves as your life changes.
We understand where you are and consider the full picture
We begin with a conversation about your current position, what is important to you and what you would like your money to help you achieve. Where relevant, we review your existing pensions, investments, protection arrangements, business interests and wider financial commitments.
We build your financial plan
We make personal recommendations
We review your progress
Local understanding, long-term perspective
Habitual Wealth works with clients in Cardiff, the Vale of Glamorgan and across South Wales, as well as clients elsewhere in the UK. Being close to the Cardiff business and professional community helps us understand the circumstances faced by local business owners, directors, professionals and families. However, our advice is not limited by geography. Meetings can be held in person or remotely, allowing us to support you in the way that works best for you. Whether your finances are becoming more complex or you simply want a clearer understanding of your position, we are here to help you take the next step.
Know what you are paying for
It is important that you understand the cost of financial advice and the value of the service you will receive. Our charges may include separate advice, product and fund charges, depending on the recommendations made. We will explain the relevant costs clearly before you make a commitment. Where ongoing advice is agreed, the ongoing advice charge covers regular suitability reviews and continued support.
Advice is personal
A financial plan may last for many years and through some of the most important moments in your life. It therefore matters that you know who is advising you, understand their experience and feel comfortable discussing your priorities openly. Meet the Habitual Wealth team and learn more about the experience and principles behind our approach.
FAQs
What does a financial adviser do?
What is the difference between financial advice and financial guidance?
When should I speak to a financial adviser?
Do I need to be wealthy to speak to a financial adviser?
Is Habitual Wealth an independent financial adviser?
How much does financial advice cost?
Do you only work with clients in Cardiff?
Can you review my existing pensions and investments?
Can you provide tax or legal advice?
Move from financial complexity to a clearer plan
You do not need to have every answer before speaking to a financial adviser. The first step is simply to understand where you are, where you want to go and whether professional advice could help you get there.
