CBK Wales

Independent Financial Adviser  C B K Wales, Henley House, Cockett, Swansea, SA5 4DJ
First meeting at adviser's own cost
We are a client centered practice where the whole team provides the independent service our clients expect and deserve
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Building your home
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Buy my next home
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Buy to let
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Buying first home
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Equity release
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Flexible mortgages
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High loan to value
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Mortgage protection
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Next home / Remortgaging
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Self-employed mortgages
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Offshore investments
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Critical illness
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Income protection insurance
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Large business
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Life insurance
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Small business
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Commercial mortgages
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Long term care
Response rating
9.4/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Martin Rivers
Director and IFA

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

Accreditations
Later Life Accredited Adviser
Mark Kearle
Director and Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: legal principles associated with the creation and management of a trust; main types of trusts that are common in the UK; taxation considerations relevant to trusts.

To achieve the CertPFS (DM) and individual needs to pass 2 diploma units in Regulation and ethics and Discretionary Investment Management

This qualification assess a knowledge and understanding of the Financial Services environment, UK Financial Services and Regulation, the principles of investment, investment products, financial protection, retirement planning and investment advice knowledge.

What our clients say
I have been a client of Mark for over 9 years and he has been extremley successful in helping me manage my finances. For me his mortgage advise has saved me many thousands of pounds by switching provider. It is always enjoyable visiting Mark's office for review
Dr Dave Werner, Swansea
Dealt with our investment portfolio advice prior to my retirement maximising my returns in poor market conditions post the crash. What could they have done better? Nothing. I am completely satisfied with all advice given over the past 7 years.
Celia Thomas, Bridgend
He has always kept our portfolio in line with the level of risk we have been comfortable with. The level of risk we have wanted has had to be lowered because of our changing circumstances, and his investment advice has given us a steady and substantial growth. He recovered the fall in value of our portfolio in 2008 in a very reasonable period by changing our investments promptly. His biannual reviews and thorough and understandable. His guidance on income tax has been particularly good recently. What could they have done better? Although 6 monthly reviews work well, a shorter interval for updates on our portfolio value would be useful.
Bob Wyman, Mumbles
In all the years I have known Mark he has always giving very clear and precise information I would fully recommend Mark to anyone who is doing a financial planning for the future.
John West, Sketty
Mark Kearle has been our financial adviser for a number of years and we have complete confidence in his knowledge and advice provided. Mark is in regular contact with us and arranges an annual review of our investments and makes any necessary changes in accordance with market trends/products and our personal circumstances. He is very approachable and takes time and patience in the service he provides for you What could they have done better? We are completely happy with the service Mark provides for us
Lynne and Geraint Williams, Swansea Valley
would whole-heartedly recommend Mark. He took time to understand my circumstances and what I wanted to achieve financially for my fmaily. Mark carefully, thoroughly and patiently explained the options available and expressed pragmatic and considered opinions. I felt confidence in his advice. Mark was also very accommodating in terms of arranging meetings outside of normal working hours
Andrew Peters, Reading
Tells me exactly what I NEED to hear rather than what I want to hear -is very much on the ball regarding what I should expect from my investments and pension and has been useful in advising on how to reduce costs on other items. What could they have done better? Not a lot - am very happy with them currently.
Joe Dickens, Neath
Mark gives straight and honest advise never having to sell it like a sales pitch. Very professional but not overwhelming and makes you feel at ease without any pressure. I've had advice on all my affairs to the point that he works hard to get the best results and does not take anything for granted in his approach to continually improving. We have regular meetings so that we can have a better understanding face to face rather than relying on confusing mail but always on hand to offer advise however small it may be. We have built up a relationship on trust which gives me peace of mind knowing that my finances are in safe hands for my future.
Andrew Morgan, Pembroke
He explains the risks and possible outcomes clearly. He is clear on our attitude to risk and our ultimate goals and he has consistently advised strategy and products that have achieved them. He is also accessible and prompt in contact and always keeps us informed by writing of our current situation. We never feel pressured to accept a product or strategy as he always offers more than one alternative. What could they have done better? Extremely happy with his service so nothing that we are aware of.
Ian McColl, Killay
Swansea-based CBK Wales scoops top spot as Independent Financial Adviser Financial advice service CBK Wales has been voted one of the UK’s Top Rated Independent Financial Advisers (IFAs). The accolade from consumer ratings site VouchedFor was awarded to director Mark Kearle, who has over 13 years’ experience as a financial adviser and independent mortgage broker. Mark began CBK back in 2002 and since then has provided individuals and businesses throughout South West Wales with the advice they need to handle business to business transactions, investments, pensions and estate planning. “It is an honour to be recognised as a Top Rated Adviser after spending over a decade helping people manage their hard earned money,” said Mark, who has recently been featured in The Times, Independent and Mail on Sunday. “Here at CBK Wales we understand just how much pressure the average household and business is under and work with each of our clients to ensure their cash goes further in the current economic climate. Getting the right mortgage, pension, annuity or savings plan can make all the difference, and CBK aim to provide a financial lifeline for those who need it.” VouchedFor presented Mark and his team with the coveted award. Founded in 2011, the consumer led site aims to help people find Independent Financial Advisers throughout the UK. VouchedFor allows consumers to rate and review each financial service to ensure they receive the best possible service and impartial advice wherever they are. Adam Price, founder of <url hidden>, concluded: “With over 20,000 financial advice firms in the UK, it is not an easy task to find the right professional to provide advice you can trust. Top Rated advisers like Mark are a great asset, but don’t just take our word for it, visit VouchedFor to what his clients have to say and see for yourself!”
Vouched For, Wales
I can thoroughly recommend Mark and his team at CBK for their professional approach to financial reviews and their well-oiled company that was not only very efficient, but was able to offer better value and greater cover and was able to set up so any pay outs are left in trust for your near and dearest ones without the tax man being able to get his hands on it. Just a win win situation. Thank you Mark, I will be back in touch as and when I need further financial advice and will be passing your name on to business colleagues, family and friends.
Linda, Pembrokeshire
Mark is a very professional and knowledgeable advisor. He has a wide range of knowledge and expertise and his company covers every possible area of financial advice you could imagine. Mark has helped my family and I for a number of years with various financial products and services and will continue to do so for the foreseeable future. He is patient, professional, attentive and always a pleasure to speak to and deal with. This attitude and personality also shines through to his staff around him.
Rob Edwards, Swansea
About us

A privately owned, client centric practice where the whole team strive to provide the service our clients expect

Our services

Focus on your needs and provide the service you desire. We develop a plan that is specific to you, your objectives and circumstances and then work with you to monitor progress, making adjustments as and when needed due to changes in life

Where to find us
Head office address: C B K Wales, Henley House, The Queensway, Swansea West Business Park, Swansea, Swansea, SA5 4DJ
Preferred clients
Minimum wealth (income/assets)
£20,000
Minimum pension value
£20,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Compliance

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
9.4/10
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FCA authorised
Last authorised 21st September 2020

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