Directly authorised and regulated by the Financial Conduct Authority No 532928 we are based in the centre of Carmarthen SA31 3DX. On site we have plenty of secure free parking for clients and visitors; and being on the ground floor presents easy access for those less able bodied. Meetings are by appointment, and can be conducted in Welsh or English, either online or in person.
Assets under management are in excess of 60M and duties of care are taken in each and every situation to ensure that this continues to grow. From individual pensions and savings advice, general investment and taxation advice, to dealing with business directors and partners and their financial affairs, we have the technology to administer your portfolio and deliver your financial needs.
Assets under management are in excess of 60M and duties of care are taken in each and every situation to ensure that this continues to grow. From individual pensions and savings advice, general investment and taxation advice, to dealing with business directors and partners and their financial affairs, we have the technology to administer your portfolio and deliver your financial needs.
Services
At Roberts Boyt, we ensure that we match our clients investments to their exact requirements, including taking ethical issues and concerns that they may have into consideration. As financial advisors based in Carmarthen, we support business both locally and across the South Wales region including Swansea and Cardiff.
Individual Protection Insurance will cover you if you are unable to work and with deferred periods ranging from one week to a year, having this valuable benefit, preferably index linked is an essential underpin for every working person. We offer income protection services throughout Carmarthen, Swansea and the South Wales area.
A major tax which can be avoided in most cases through preparation, is constantly overlooked. By establishing Trusts and making suitable gifts the IHT of 40% above the individual nil rate band can be avoided. There are so many simple (and complicated) arrangements that everyone is guilty of and by making a few minor amendments and tweaks you will avoid the situation.
For High net worth individuals with Primary, Enhanced, FP12, FP14/16 or IP14/16 making decisions is complicated enough without having to worry about how you may lose transitional protection. Checking the DB Annual Allowance is critical and ensuring that excess tax is paid on time. Ensuring that that your pension doesn't exceed the Lifetime Allowance and incurring a maximum tax charge of 55% can be avoided.
If you have money you need advice. If this is inside a tax wrapper (ISA, Pension, Bond, VCT or EIS) or outside (direct shareholding, unit trust, cash, premium bond) you need to look at the risk you are taking and ensure that this meets your individual and specific tolerance to downside risk. We offer a wealth management service in the Carmarthen and South Wales area for individuals with money who are looking for advice.
Reviews (1)
Mark Howse
Oct 09, 2018
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