CST Wealth Management Limited

Independent Financial Adviser 2 Oldfield Road, Bocam Park, Bridgend, Bridgend, CF35 5LJ
First meeting at adviser's own cost
Response rating
7.0/10
FCA verified
15th October 2018
We are supported by in-house Chartered Tax Advisers providing personalised financial planning to business owners and private clients alike.
We can advise you on
    • Commercial mortgages
    • Corporate pension
    • Employee benefits
    • Group critical illness
    • Group income protection
    • Group ISA
    • Group life insurance
    • Group pensions
    • Group private medical insurance
    • Group protection
    • Group risk
    • EEA
    • Rest of world
    • Wealth management
    • Ethical investments
    • Investing for income
    • Investment trusts
    • ISAs
    • OEICs
    • Offshore investments
    • Socially responsible investments
    • Traded endowment policies
    • Unit trusts
    • Bad credit
    • Buy to let
    • Commercial for individuals
    • Equity release
    • First time buyers
    • Flexible
    • High loan to value
    • Home reversion
    • Overseas
    • Remortgage
    • Residential
    • Right to buy
    • Self build
    • Self employed
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions & divorce
    • Pensions & retirement planning
    • Pensions review
    • Pensions transfer
    • Sipps
    • Stakeholder
    • Accident & sickness
    • Critical illness
    • Healthcare
    • Income protection insurance
    • Life insurance
    • Payment protection insurance
    • Lump sum
    • National savings
    • Regular savings
    • Savings for children
    • School fees planning
    • Capital gains tax
    • Estate planning
    • Income tax
    • Taxation planning
    • Long term care
Meet our advisers
Gwyn Williams BA FCA APFS Chartered Financial Planner
Chartered Accountant and Chartered Financial Planner
Accreditations
Chartered Financial Planner
Where to find us

2 Oldfield Road, Bocam Park, Bridgend, Bridgend, CF35 5LJ

Contact us
About us

CST Wealth Management Limited is a Chartered Financial Planner directly authorised by the Financial Conduct Authority.

The company is headed by Gwyn Williams Chartered Accountant and Chartered Financial Planner. Gwyn is also Chairman of Swansea Building Society having been a non-executive director since 2005 and therefore has extensive experience in all realms of financial planning.

An occupational pension transfer specialist, Gwyn also has the specialist qualifications and experience to advice and guide you in respect of any final salary schemes that may need review.

The firm uses 30 year cash flow modelling and stress testing on a range of issues prior to making a recommendation to transfer or remain within a final salary pension fund.

We help owner/managed businesses to make the most of their tax saving opportunities, commercial property purchase and other investment and tax strategies.

We prefer a steady consistent long term performance rather than a volatile performance and we use bespoke strategies once a client enters income drawdown to ensure that the annual cash requirement is positioned on a rolling six year basis without a need to crystallise the long term portfolio

Our services

We listen to you first and foremost, so we understand your ambitions and discuss the risk level you are willing and able to take to achieve these.

Our initial report to you becomes a working document which we review at regular intervals with you with tracked progress, cash flow modelling and forecasting with any adjustments made where needed.

Our regular communications include our own bulletins as well as post budget commentary with issues highlighted to those that are affected by any proposed/announced changes in legislation.

Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Special offers
Choose an Unbiased exclusive special offer:
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Compliance

We are directly authorised by the Financial Conduct Authority to provide independent financial advice

We hold pension transfer permissions and can advise on the merits (or otherwise) of transferring from final salary schemes to private pensions.

The company has Chartered Financial Planning status meaning that our team has demonstrated professional commitment to raising standards of knowledge, capability and ethical practice.

It demonstrates to our clients that we have the technical ability to navigate the maze of tax and financial issues facing business and private clients, and the practical experience to put our recommended strategies into practice.

Our sister business Clay Shaw Thomas Limited is an audit regulated firm of Chartered Accountants authorised by the Institute of Chartered Accountants in England and Wales.

Gwyn Williams has the rare combination of skills, being both a Chartered Accountant and a Chartered Financial Planner.

This combination of technical knowledge and expertise means that Gwyn has a unique ability to consider in tandem both financial and tax planning considerations. This leads overall to a truly holistic advice process. Many advisers purport to offer this, very few have the combined skills to demonstrate this.

We are able to combine the technical specialties of our team to navigate, understand and guide you through the complex world of HMRC rules for each individual tax regime, mitigate that taxation where possible and appropriate, and combine this with the ability to provide a long term wealth growth and preservation plan whilst you continue to work, into retirement and for your future generations.

Similar advisers near you

Independent Financial Adviser 2.01 mi
I provide truly independent financial advice from the whole of market, on a bespoke, individual basis.
 
Independent Financial Adviser 2.29 mi
Specialist Advisers in Retirement Planning including the use of Flexi-Access Drawdown.
 
Independent Financial Adviser 2.39 mi
 
 
Independent Financial Adviser 2.41 mi
Professional Independent Financial Advisers providing an all-round personal service based on 100+ combined years of expertise in managing people’s Wealth.