CST Wealth Management Limited

Independent Financial Adviser  2 Oldfield Road, Pencoed, Bridgend, CF35 5LJ
First meeting at adviser's own cost
Gwyn is supported by in-house Chartered Tax Adviser, Karen Best, an experienced tax specialist and James Burnett, a fellow adviser.
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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Bad credit
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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 commercial property
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Buying first home
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Buying overseas
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Equity release
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Flexible mortgages
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High loan to value
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Next home / Remortgaging
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Right to buy
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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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Healthcare
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Income protection insurance
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Life insurance
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Payment protection insurance
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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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EEA
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Rest of world
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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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Group private medical insurance
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Group risk
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Stockbroking services
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Gwyn Williams BA FCA APFS Chartered Financial Planner
Chartered Accountant and Chartered Financial Planner

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

This examination assesses the candidate to develop in depth financial planning skills related to business.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

To achieve the Associateship grade, individuals would be required to have 6 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to investments and the management of investment portfolios.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

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.

At the end of this unit candidates should be able to analyse and apply financial information and portfolio management skills

This qualification assesses a knowledge and understanding of recent pension reforms and how the changes impact at-retirement advice.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

Accreditations
Chartered Financial Planner
Karen Best Ba (Hons) CTA
Chartered Tax Adviser
James Burnett Ba (Hons) ACA FCCA dip.Pfs
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.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

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

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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 a former Chairman of Swansea Building Society having been a non-executive director since 2005 and Chairman from 2016 to 2018. He has extensive experience in financial planning and wealth management.

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 on whether 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 consistent long term performance rather than a volatile performance. Our aim is that the clients annual cash requirement is planned years in advance of retirement so that future investments returns are not jeopardized by selling assets at the wrong time.

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.

Where to find us
Head office address: 2 Oldfield Road, Bocam Park, Bridgend, Bridgend, CF35 5LJ
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 21st September 2020

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