Financial advice in Cardiff

Tell us what advice you need. We review your enquiry before discussing a suitable Cardiff or remote adviser.

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We aim to acknowledge your enquiry within one working day and update you on the next step within two working days.

The Pierhead Building at Cardiff Bay — Cardiff

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What would you like help with?

Retirement & pensions

Finding advisers experienced in pensions, retirement income and longer-term planning.

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Inheritance & family wealth

Finding help when inherited money or family wealth creates new decisions.

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Investments

Comparing service models, minimums and ongoing fees before appointing an adviser.

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Business owners

Advice for founders and owner-managers across Cardiff and South Wales.

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An older couple enjoying time together in a garden — Plan the life as well as the money

Finding the right experience around Cardiff

When looking for advice in Cardiff, consider Penarth, the Vale of Glamorgan, Newport and neighbouring areas too. A wider search may help you find the experience you need.

A Cardiff search can stay genuinely local for face-to-face advice while still widening across South Wales when the consumer needs a more specialised adviser or a different service model.

What to compare before choosing

Cardiff in context

The local-authority figures cover the Cardiff council area. Each figure shows the period it covers.

Planning for retirement

Residents aged 65 or over: 15%

Cardiff · ONS 2025

If retirement is your reason for seeking advice, ask how the adviser plans withdrawals and reviews your income over time.

Questions for a retirement adviser

Planning around your work

Self-employed share of people in work: 13.9%

Cardiff · Census 2021

If you work for yourself, ask how pension contributions fit with variable income and business commitments.

Advice when you are self-employed

Property and your wider finances

Average house price: £270,094

Cardiff · ONS · June 2026

If your plans involve selling or inheriting a home, ask how the adviser considers property alongside savings and pensions.

Planning after a property sale

Area averages do not describe your own finances or determine whether you need advice. See the full figures and sources.

Know what you will pay, and what it covers.

Ask for initial advice and ongoing charges separately, including any minimum fee. Compare the cost in pounds and check which other charges apply.

What firms include in their published prices

Illustrative annual adviser fee£3,750a year

0.75% of £500,000

Example only. Initial advice, platform, fund and product charges are excluded. This is not a quote.Use the fee calculator

Your questions about advice in Cardiff

How do I choose a financial adviser in Cardiff?

Check regulation first, then compare specialism, typical client type, minimum assets, service style and fees. The nearest adviser is not automatically the best fit.

Should I search across Cardiff or wider South Wales?

That depends on the problem. For a straightforward need, a very local adviser may suit you. For more specialist planning, widening the search to Penarth, the Vale, Newport or further across South Wales may produce a stronger fit.

How much does a Cardiff financial adviser cost?

Charges vary by adviser and complexity rather than following a single Cardiff rate. Ask for the actual initial and ongoing cost in pounds, and what is included in the ongoing service.

Can Advisedly check whether a Cardiff adviser is regulated?

Yes. Search Advisedly's FCA Register checker by adviser name, firm name or FCA reference, then follow the source link to verify the official record.

Helpful guides

Do you need a financial adviser for a pension?Retirement decision guide How pension adviser fees workCompare pension costs Financial advice after an inheritanceInherited wealth guide Turn adviser percentages into poundsUse the fee calculator

Tell us what you need help with.

Advisedly will review your enquiry and contact you about the next step. When you request an introduction, you agree that we may share your details with the financial advice firm we select for your enquiry.

Start an enquiry

We aim to confirm that we have received your enquiry within one working day and update you on the next step within two working days. Working days are Monday to Friday, excluding bank holidays.

How enquiries are reviewed

Explore nearby

Consider nearby places alongside the experience and meeting arrangements you need.

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Local information and sources

Full local figures and how to read them

The local-authority figures cover the Cardiff council area. Each figure shows the period it covers.

Population: 381,516
Residents aged 65 or over: 15%
Self-employed share of people in work: 13.9%
Average house price: £270,094
Disposable income per person: £21,059
Median weekly pay before tax: £613.00
Selected company registrations: 407
Wider-area company registrations: 579

Company figures are not adviser counts. They count active company registrations in selected business categories (SIC codes 64999, 66190, 70221) and do not show FCA authorisation or whether a business trades locally.

Sources: Companies House · ONS population estimates · ONS local statistics · Open Government Licence v3.0.

Gross median weekly pay was £613.0 in 2025. Gross disposable household income per head was £21,059 in 2024. The published average house price was £270,094 in June 2026. 13.9% of people in work are self-employed, while the Wales comparison rate is 15.5%. The figures come from different time periods and measure different things. They do not describe the finances of a typical household.

The population figures shown on this page cover the Cardiff local authority area. The Office for National Statistics (ONS) estimates 381,516 residents, of whom 15.0% are aged 65 or over. These totals describe that council area and should not be interpreted as a separate Cardiff total.

The published 2021 employment comparison for Cardiff starts with these sectors: Education accounts for 12.0% of employment, 2.4 percentage points above the Wales benchmark. Wholesale and retail trade; repair of motor vehicles and motorcycles accounts for 12.7% of employment, 1.8 percentage points below the Wales benchmark. Human health and social work activities accounts for 17.4% of employment, 0.4 percentage points above the Wales benchmark. Among the three sectors shown, Human health and social work activities is 5.4 percentage points higher than Education. These figures show which industries local residents work in. They do not measure demand for financial advice or the number of advisers.

The local Companies House count for Cardiff is 407 active registrations in the selected business categories; the Cardiff travel-to-work area contains 579. These figures count registered companies in the area. They do not show how many financial advisers work here, whether a company trades locally or whether it is FCA authorised.

Location photograph

Cardiff. Photograph by D.K. Ta. Unsplash License.