Response rating
9.0/10
FCA verified
13th November 2017

First Option

Independent Financial Adviser 55 Merthyr Road, Tongwynlais, South Glamorgan, Cardiff, CF15 7LG
First meeting at adviser's own cost
"I Guarantee best advice and service to you" with the lowest adviser fees in South Wales Thats my Promise!
We can advise you on
    • Buy to let
    • Flexible
    • Remortgage
    • Residential
    • Ethical investments
    • Investing for income
    • Investment trusts
    • ISAs
    • OEICs
    • Offshore investments
    • Socially responsible investments
    • Traded endowment policies
    • Unit trusts
    • Accident & sickness
    • Critical illness
    • Healthcare
    • Home and leisure
    • Income protection insurance
    • Large business
    • Life insurance
    • Payment protection insurance
    • Small business
    • 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
    • Annuity purchase
    • Auto enrolment
    • Pension consolidation
    • Pension drawdown
    • Pensions & divorce
    • Pensions & retirement planning
    • Pensions review
    • Pensions transfer
    • Sipps
    • Stakeholder
    • Lump sum
    • National savings
    • Regular savings
    • Savings for children
    • School fees planning
    • Wealth management
Meet our advisers
Bob Windust
Principal Adviser
What our clients say
General financial review and Retirement Planning. 1. Helped review different options with regard to Pension planning 2. Reviewed our current protection plans and supported comparing/contrasting market products available 3. Completed a user friendly financial health check, highlighting potential needs long term We adjusted our financial planning in line with our changing needs, the outcome has been peace of mind and addressed our will deficiency with our solicitor. What could they have done better? We have received very efficient and professional advice that has made a difference.
Stephen Farmer, Penarth
I was looking to remortgage, Bob Windust offered a friendly service which I was extremely pleased with,I found him to be honest and at ease with from the start,I would highly recommend his services to anybody seeking the advice and services of a financial adviser. Yes and all thanks to Bob Windust. What could they have done better? As I've stated above the service that bob offered me was professional and I felt at was dealing with him
John Corcoran, Caerphilly
I was reviewing the pensions of myself and my wife ,also purchasing a buy to let property . Bob went through all my existing pensions and where my investments are ,if they are doing the best it could. adjusted where we wanted to and helped to get the best buy to let mortgage. We are a lot more confident with the pension investments are in the right place, and i have just had a year with my buy to let property,happy with review. What could they have done better? Bob did an very good job he has good knowledge and listens carefully and very professional. the only delay we had was from the companies we had to deal with. Not sure how we can improve on that .
Ian Lowe, Barry
AFTER BEING IN CANADA FOR 20 YEARS I WAS NEW TO THE BRITISH ECONOMY AND COMING BACK TO BRITAIN IN 1996 I REQUIRED ADVISE IN MANY AREAS MR WINDUST HELPED US AND ADVISED US ON A MORGAGE AND ALSO HELPED US WHERE TO INVEST MY PRIVATE PENSION....I HAVE ALSO USED MR WINDUST FOR ALL MY FINANCIAL NEEDS OVER THE LAST 19 YEARS AND HAVE THE UP MOST RESPECT FOR HIS GUIDANCE .... YES MY CURRENT SITUATION IS JUST WHAT I HOPED FOR ..........
Nick Davies, Caerphilly
Re mortgage Bob has been our financial adviser for wellOver 18 years from our first mortgage he has always given 24 /7 help and advice , and this time on our remortgage extremely helpful with all the new rules and regulations Yes currently in re mortgage deal What could they have done better? The mortgage company weren't very easy to deal with regards to forwarding paperwork and phone calls nothing to do with Bob just the company in general, Bob made aware of this
Charlotte, Cardiff
A mortgage to fund building work. He found us an excellent deal in a timely manner. Yes. We are very happy with the mortgage we took up. What could they have done better? I can't really think of any faults.
Gareth, Pontypridd
Seeking new mortgage and pension Bob is a very down to earth professional who strives to provide his clients with the best products and service possible.He always keeps you updated on how any application is proceeding and always returns your calls. What we like about Bob is that he treated us like a friend and well as a customer and showed an interest in us as individuals rather than just a product. We highly recommend using Bob..Roy and Julie Derrick / Bridgend and Cardiff Yes. What could they have done better? Nothing really. We got everything we expected.
Roy & Julie Derrick, Bridgend
I was looking for advice on choosing the right mortgage product from an independent mortgage advisor, who was able to offer a personal service and speak to me face to face when I needed to talk. Bob Windust listened to what I needed and took time to consider the best option for my particular circumstances. Throughout the mortgage process, he kept in touch with me and supported me through the ups and downs of making an offer to the final confirmation of monies transferred to my solicitor. Bob was the intermediary with the mortgage broker for all 25 stages of the process to completion. No wonder he was recommended. Mortgage complete and settled in my new house.
Susan, Cardiff
My previous Financial Adviser had moved and I wanted an Independent Financial Adviser. I found Bob Windust from First Option online and have been more than happy with his service. I can thoroughly recommend him. I needed investments with a regular monthly return and Bob was able to advise me. As I am retired and not yet receiving my state pension I needed a monthly return from my investments and savings. Bob Windust was able to advise me and I am completely satisfied with his service. What could they have done better? I cannot speak too highly about him. I am very pleased with the advice he has given me and his fees are very reasonable. Parking is also a great advantage in that I can park my car next to his house without having to pay to park my car in the centre of Cardiff.
Anne Rogers, Cardiff
Where to find us
About us

We pride ourselves on "going the extra mile" in providing our clients with first class service.

Our services

Bob Windust is the principal adviser with over 30 years experience in helping clients make the right financial decisions regarding their retirement and investment needs.
With over 70 client reviews rating 5.00 out of 5 on

Advice methods
  • phoneButton
    Telephone
  • icons
    Face to face
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£125,000
Compliance

The FSA and Treating Customers Fairly (TCF)

Through adopting the FSA principles we deliver an improved outcomes for our clients. The six consumer outcomes explain what is required from TCF for clients.

Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.

Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.

Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.

Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.

Outcome

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