Financial Planning Solutions Ltd

Independent Financial Adviser  Financial Planning Solutions Ltd, Monmouthshire, Abergavenny, NP7 9HA
First meeting at adviser's own cost
Helping our clients live the lifestyle they aspire to without fear of running out of money.
We can advise you on
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Annuity purchase
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Auto enrolment
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Defined benefit
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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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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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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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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
9.0/10
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FCA authorised
Last authorised 18th October 2021
Meet our advisers
Andrew Tucker
Chartered Financial Planner, Chartered Wealth Manager and Pension Transfer Specialist

This examination assesses a knowledge and understanding of the various pension products, the pension tax regime and retirement needs.

This qualification assessed the knowledge and understanding of the UK regulation environment in the financial services industry together with types of mortgage products and repayment options and the giving of mortgage advice.

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

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

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 assessed a knowledge and understanding of investments and an ability to advise individual clients on the construction of investment portfolios to meet both their current and foreseeable future needs.

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

This examination assessed the knowledge and understanding of economic factors that affect risk from different investments, product features and regulatory framework of retail investments, taxation liabilities and portfolio planning.

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.

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.

This examination assesses a knowledge and understanding of financial protection plans.

This examination assesses a knowledge and understanding of investment products and the risks involved.

At the end of this unit, candidates should be able to demonstrate an understanding of: the basic structure of the tax system and self-assessment; the main taxes on income and capital that may be charged on individuals, the self-assessment system and how tax liabilities are computed; impact of residence and domicile on an individuals liability to UK tax.

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 demonstrate an understanding of: how the economic environment and individual company performance affects investment performance and investment decision making; how risk is measured and managed; the main principles governing how to construct an investment portfolio; the range of investment management services, how their performance is evaluated and their regulatory environment.

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

This exam accesses understanding of the financial services industry including regulation and legislation.

This exam accesses understanding of the financial services industry, and its regulation, products and processes.

This exam accesses understanding of the financial services and their regulation.

This exam accesses understanding of protection, savings and investment products.

This exam accesses understanding of identifying and satisfying client needs.

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

Accreditations
Certified Financial Planner Chartered financial planner - individual adviser accreditation
What our clients say
To protect my investments and increase value. For a number of years Mr Tucker has given us advice on how and where to invest our savings. His advice has proven time and again to be excellent. He has regular reviews with us and keeps us fully informed on our investments. We now regard Mr Tucker as a family friend who has given our children advice with no reward for himself. He is absolutely trustworthy and I would recommend Mr Tucker unreservedly to anyone seeking financial advice. My investments are fairly steady at this volatile time.
Mr Harper, Pontypool
I find Andrew very easy to talk with and listens well understanding my future needs and goals but also fully understanding my attitude to risk taking.Andrew is a good communicator having the ability to put over clearly and concise information that if not explained totally can be quite confusing so I find that most helpful.He seems to have very good knowledge and upto date information of the markets financial products .
Mr Pritchard, Cwmbran
Advice - Redundancy and pension planning. Andrew adds the personal touch by trying to get to know his clients and what they want out life and thereby giving the ultimate service. He has explained his reasons simply so that I feel safe and reassured in any decisions. I have been pleased with advice and haven't needed to go back to work.
Mrs Gregory, Newport
Advice - Retirement and the need to optimise pensions and savings. We contacted Andrew to help with retirement planning and so far have been working with him for nearly three years. He takes great care to listen and understand our lifestyle and what our needs and aspirations are, before offering suggestions for ways in which we can use our resources to achieve what we want. He takes time to make sure that we fully understand his proposals and their implications. We have now settled into retirement with a fairly comfortable lifestyle. We meet with Andrew at six monthly intervals to review progress. We can also contact him by email if we need funds for a special event and usually the response is within the same working day.
Mr and Mrs Choppen, Usk
Andrew very quickly grasped the nature of my self-employment and was able to offer realistic advice during both prosperous times and periods when employment was scarce. He knows the market well and projects confidence when proposing products for consideration, and we have been quite happy to follow most of his recommendations. He contacts us only when necessary and does not constantly email or call us with product offers and suggestions.
Mr and Mrs Gray, Caerphilly
Reorganised and simplified our portfolios after many years of diy.Has a good understanding of our risk levels,Has responded well to criticism of Fund Manager's performance.
Mr and Mrs Curzons, Chepstow
We contacted Andrew after being disappointed with our original advisor who seemed to put his own interests before ours. As a consequence our portfolio was a mess. Within a short time Andrew had re-organised everything and our pensions, isa's & unit trusts are now much easier to track and understand.In all the years we have known Andrew we've had complete faith in his judgement regarding the best place to invest our money. In that time, although we have been through the recession, our investments have increased far beyond our expectations.We feel Andrew always seems to be in front of the game recommending anything new that he feels will benefit our portfolio. At the same time he explains any risk factor that may be involved.We are now near retirement and feel safe in the knowledge that Andrew is drawing up a regular income plan that should take us well into our old age.We would highly recommend Andrew to anyone looking for someone who is very knowledgeable in his field of work. He is friendly and, above all, explains everything in layman's terms.
Mr and Mrs Jeffries, Cwmbran
Andrew Tucker is very approachable and personable. He demonstrates a willingness to take action and always with my best interests in mind. He also seeks to increase his knowledge of financial products and develop his professional qualifications, expertise and skills. He demonstrates an awareness of the financial and economic climate and the possible impact of this climate on my financial investments. He is impartial and always has good reason to support the advice he offers.
Mr and Mrs Wilson, Powys
I needed to consolidate defined contribution and defined benefit pensions to allow me to access them as one. Initially Andrew performed a financial triage which looked at our current and expected lifestyles and our aspirations, this was balanced against our attitude to risk to demonstrate whether taking or transferring a defined benefit pension gave us a sustainable future. I have achieved the outcome I was hoping for but if the financial triage had shown otherwise I would still be very happy with Andrews service. I would have accepted the advice of the triage process because it wasn't based on my instinctive evaluation but on a comprehensive evaluation of the finances at our disposal and what we wanted to achieve and which course of action was the best to fulfil this.
Mr Gascoigne, Abergavenny
I was taking voluntary redundancy and needed advice about pensions and investments. Andrew provided pragmatic advice that was right for me. I didnt feel at any point that he was just after my business. he listened to what my requirements were and tailored his advice accordingly. So far it has worked really well for me and I am very happy with the whole process
Mrs Barry, Cardiff
We had reached a stage of our lives when we needed to look closely at planning for the financial future. Also, changes in pension laws mean this seemed to be a good time. Firstly, Andrew emphasised the importance of ensuring all finances were included in the plan so requested we submit a detail financial situation document. This in itself was useful as we were forced to perform some self-analysis!Secondly, he spent a great deal of time producing a model for the future then presenting that model in non-financial terms we could understand. He showed how some simple changes would affect the model and gave us some good advice including moving an old pension into a better scheme.By being able to model specific time-critical events, income and outgoings could be balanced in the optimum way.The most important thing Andrew did was to give us more confidence that our financial future should not be such a worry!Andrew has always been there for advice when any of our financial situation changes. What is your current situation? Have you seen the outcome you were hoping for?The ability to withdraw some funds came at an opportune moment so we are pleased with the outcome so far. We also anticipate even better outcomes in the future. What could they have done better?I cannot really think of anything.
Mr and Mrs Marsh, Carmarthen
About us

Financial Planning Solutions Ltd was founded in 2008 by Andrew Tucker who, with over 30 years financial services experience, is a Chartered Financial Planner through the Chartered Insurance Institute and a Fellow of the Chartered Institute of Securities and Investments. He is also a pension transfer specialist.

With fewer than 500 firms of 'Chartered Financial Planners', in the UK it remains an exclusive and valuable distinction.

We are conveniently based in the beautiful area of Llanover near Abergavenny from where we service clients from Wales and England. If you can't come to our offices we are happy to travel to see you at your home or place of work.

We have a vision which is: “To help our clients manage their finances in order to live the lifestyle they aspire to both now and in retirement, without fear of running out of money”.

We can help with:

Defined Benefit Pension Transfers,
Personal Pensions,
Investments,
Lifetime Cashflow Modelling,
Portfolio Reviews,
Tax Planning,
Life Assurance,
Business Planning.

Our services

To help our clients manage their finances in order to live the lifestyle they aspire to both now and in retirement, without the fear of running out of money.

Where to find us
Head office address: Raglan House, 6-8 William Brown Close, Cwmbran, NP44 3AB
Service coverage
Preferred clients
Minimum wealth (income/assets)
£51,000
Minimum pension value
£51,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Face to face
Response rating
9.0/10
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FCA authorised
Last authorised 18th October 2021

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