Imperial Chartered

Independent Financial Adviser  2 Troed Y Garth, Pentyrch, Cardiff, CF15 9AB
First meeting at adviser's own cost
Creating a brighter future through effective financial planning
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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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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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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Life insurance
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Capital gains tax
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Estate planning
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Taxation planning
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EEA
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Rest of world
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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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Sharia finance
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Long term care
Response rating
10/10
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FCA authorised
Last authorised 24th February 2020
Meet our advisers
Stuart Roberts
independent financial adviser

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.

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

Accreditations
Certified Financial Planner
About us

Imperial Chartered provides independent financial advice to individuals, trusts and businesses. Offering a range of financial services specialising in pension and retirement planning, investment advice, inheritance tax planning.

By offering independent, whole of market advice, we can concentrate on providing the best financial solutions to our customers. Imperial Chartered advises and manages over £350 million for our client’s right across the UK.

We work hard to take the jargon out of financial advice, and our experienced team will tailor our advice to your specific needs. We aim to build long term relationships with our clients by putting your needs at the forefront of our business.

Our services

Pensions
Taking control of your income at retirement.
With the State Pension continuously falling as a percentage of average earnings, it is more important than ever to consider taking personal control of your finances to provide a comfortable income during your retirement.

Imperial Chartered provides independent financial advice to individuals, trusts and businesses – specialising in pension and retirement planning, investment advice and inheritance tax planning.

We hold Chartered status (the gold standard for financial planners) and are regulated by the Financial Conduct Authority. We offer independent, whole of market advice, meaning we are able to concentrate on providing the best financial solutions to our customers.
Advice on Pension include:
Personal Pensions
Defined Benefit Schemes
Self Invested Personal Pensions
Stakeholder Pensions
Group Personal Pensions
Flexible Access Drawdown

Savings and Investments
Let us help you create a secure financial future with investment to suit your needs.
It is very important to know that any investment is right for you in terms of risk and tax implications.

Clearly investment and tax planning is crucial to ensure your money is working as hard as possible for you now and in the future. Your attitude to risk is key in selecting the right funds and products.

Bespoke Independent Offering

On & Offshore Investment Bonds
Open Ended Investment companies (OEIC’s), Unit Trusts, Investment Trusts
Individual savings Accounts (ISA’s)
Venture Capital Trusts, Enterprise Investment Scheme’s & Seed Enterprise Investment Schemes
Business Property Relief
Tailored Structured Products
All investments have a level of risk and advice should be sought.

We only advise on HMRC approved tax vehicles and never use unregulated products. Depending on your circumstances and objectives, we’ll use the correct tax wrappers to suit you.

Sustainable Tax Planning
Using the latest innovative technology, alongside the highest standard of Chartered advice, we take an active approach to ensure we are constantly planning against longevity risk (running out of money).

Inflation, investment returns, charges and changes to client objectives are all aspects of longevity risk. These are areas we constantly monitor with our clients and adapt to ensure our clients preserve and growth their wealth over the long term.

Changes to legislation and tax wrappers is another area we constantly review with our clients to ensure they are always maximising all their tax vehicles and allowances where possible. Paying unnecessary tax through poor tax planning can see an escalated erosion of capital. We ensure these tax wrappers are actively monitored via our expert team of Chartered Financial Planners.
These areas of bespoke advice set us above our piers.

Wealth Preservation and Inheritance Tax
There are a number of ways of helping your heirs avoid having to pay inheritance tax.
Within the next 10 years over £300 Billion will be transferred to around 300,000 inheritors.

To put this figure into context, it exceeds the £274 billion current administered by adviser firms on behalf of UK private clients. The sheer scale of forthcoming inheritance demonstrates the rising influence wealth transfer will have on the UK wealth management industry and those operating within it.

Preservation of Wealth and mitigation of any Inheritance Tax (IHT) charge is more important than ever, at Imperial Chartered we are experts in wealth preservation for the next generation.

Inheritance tax is fast becoming one of HMRC’s largest revenue streams, so establishing your IHT bill will help you work out what to do.

Where to find us

2 Troed Y Garth, Pentyrch, Cardiff, CF15 9AB

Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 24th February 2020

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