Penguin

Independent Financial Adviser  2 Raleigh Walk, Grangetown, Cardiff, CF11 8AT
First meeting at adviser's own cost
Penguin are still open for business during the current pandemic. If the crisis has caused you to think more about your financial position then please contact Penguin to find out more about how to protect your wealth, what insurance and policies can be put in place, and how to get your money to work harder for you. You can now book a 15-minute Self-Audit call with a member of our Advice Team via the contact details below: Call: <phone number hidden> Email: <email address hidden> Visit: <url hidden> We help individuals and business owners plan to live one life amazingly well - We are Independent Financial Planners
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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Mortgage protection
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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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ISA / Unit Trusts / OEICs
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Investing for income
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OEICs
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Socially responsible investments
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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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Critical illness
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Healthcare
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Income protection insurance
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Large business
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Life insurance
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Small business
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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 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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Long term care
Response rating
10/10
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FCA authorised
Last authorised 13th July 2020
Meet our advisers
Gavin Baos DipFA
Financial Planner

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

Oliver Pughe
Financial Planner

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 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.

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

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: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

Mike Carberry
Independant Financial Adviser

The Diploma enhances knowledge in core areas such as regulation, investment principles, risk, taxation and personal financial planning using real-life scenarios to develop the essential skills to apply this technical knowledge in practice

Craig Palfrey CFP
Certified Financial Planner

An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.

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 a knowledge and understanding of the Government’s simplified pension taxation regime which came into full effect on 6 April 2006 (A-Day). Eight tax regimes for pensions were reduced to one, radically affecting planning and transactions.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

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

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

This examination assessed specialist supervisory knowledge and skills in the regulatory environment.

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.

This examination assesses a knowledge and understanding of the different types of equity release products, risks to the consumer associated with equity release and application of suitable equity release solutions according to the circumstances of different customers.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

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.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

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.

Accreditations
Chartered Financial Planner Later Life Accredited Adviser
What our clients say
Over the years I have become very skeptical of financial advisers having had my fingers burnt in the past. However I was recommended to Penguin a few years back and they have always provided a very professional service which I have been extremely happy with. They are not pushy or will try to sell you something that he feels is not in your interest and for the first time I have found a Financial Adviser with a big conscience and I would wholeheartedly recommend Penguin to anyone.
Mark, Cardiff
Having spent time with Penguin in order to receive Financial advice, I can only say that they are true business professionals with a clear grasp of what it takes to get things done. Their ability to help my needs through good communication is outstanding. My adviser's commonsense approach to issues and opportunities is both unique and refreshing. Above all, he impressed me with his willingness to be honest and offer the best advice possible. All in all, Penguin have been an absolute pleasure to work with and I would recommend him to all my friends-family.
Ben, Cardiff
My Penguin Adviser is excellent at taking the time to listen to his clients current situation and advise on short term and long term financial planning. He identifies the solutions that you should have in place as well as suggesting future solutions/products that you will potentially need along your financial journey. Penguin's aim is to develop a long lasting relationship with their clients where they can regularly review their financial plan and help ensure they achieve their financial plan. I wouldn't hesitate in recommending Penguin, Their knowledge of this industry is second to none and their core values ensure that you (and your family) get the best possible advice on a regular basis.
Geraint, Vale of Glamorgan
About us

Are you an Individual or Business Owner looking for help or a second opinion on your financial decisions?

IF YES THEN WE ARE THE FIRM FOR YOU.

At Penguin we help business owners and individuals live one life amazingly well. We understand the challenges you face including planning for your Financial Freedom date, protecting your family and your business, reducing your tax bill and leaving a legacy.

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Discovery Meeting: At our expense
Planning Process: £697
Implementation Process: £497
Moving your Money: 1%
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We are international speakers and Amazon featured authors. Our book - "The Wealth Secret" and our new book "The Business Secret".

We keep the highest standards – We are Chartered, Certified AND Accredited - one of the only firms to have the hat trick of accreditations in the UK.

Awards -
2018 Visionary Leadership Winner at Business Growth Awards
Estate Planners of the Year 2017 Unbiased Media Awards
Moneyfacts Retirement Advice Firm of the Year 2017
Estate Planning Firm of the Year 2017 awarded by SIEP
MoneyAge’s Financial Adviser of the Year 2016,

Our processes have been independently accredited against International Benchmarks demonstrating that our clients are at the heart of our business.

Our services

We are passionate about helping people get out of their job/business as early as they want so they can follow their passions and fulfil their dreams with no financial worries. We protect families and business and create legacies.

We are Amazon featured authors with our book 'The Wealth Secret' and our follow up "The Business Secret" available for free at our website

We are award winning

We are Chartered, Certified AND Accredited.

Penguin’s processes have been Independently accredited against International Benchmarks demonstrating that our clients are at the heart of our business.

Where to find us
Head office address: 2 Raleigh Walk, Brigantine Place, Cardiff, Cardiff, Cardiff, CF10 4LN
Preferred clients
Minimum wealth (income/assets)
£20,000
Minimum pension value
£20,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    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 13th July 2020

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