Wealthmasters Financial Management Ltd

Independent Financial Adviser  Wealth Masters Financial Management, Mid Glamorgan, Bridgend, CF31 3PL
First meeting at adviser's own cost
Tony Thomas is a Chartered Financial Planner and part of a team of professional Independent Financial Advisers specialising in Pensions and Retirement & Investments and Wealth Management. We are holders the Gold Standard Pension Transfer Award by the Personal Finance Society. The team has 100+ combined years of expertise in managing people’s Retirement and Wealth Management Needs
We can advise you on
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Annuity purchase
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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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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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Estate planning
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Taxation planning
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Long term care
Response rating
9.7/10
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FCA authorised
Last authorised 28th June 2021
Meet our advisers
MR Tony Thomas FPFS
Chartered Financial Planner

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

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

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.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination enhanced general pension knowledge, particularly in pension transfers and opt-out business.

Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.

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

This qualification assesses a knowledge and understanding of portfolio investment management.

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

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.

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.

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.

Accreditations
Chartered Financial Planner
What our clients say
Tony Thomas was first referred to us by a friend and, after his initial visit, we agreed to take his advice. Since then our investment has grown in line with his estimates. Further investments have been made and we are delighted with their performance too. Tony has always been prompt in responding to our queries and has never pressured us into a decision. His advice has been invaluable and we have no hesitation in recommending him.
T Forbes, Brecon
My wife and I needed a review of our financial plans for our forthcoming retirement. Tony spent time understanding our full situation - at no cost- before coming up with advice and a significant modification to my pension from a previous employer, which will help achieve or retirement plans.
Peter, Monmouthshire
"Tony has given me very sound advice prior to me taking early retirement. I would recommend Tony to anyone seeking similar advice".
Martyn Lewis, Pontypridd
I was coming up to retirement and needed to make some important decisions about my future needs Tony provided me with a complete overview of my financial situation now and going forward, which enabled me to make informed decisions about my investments and pensions. With Tony's help I have been able to retire knowing that my financial needs are more than covered by the investments and pensions that Tony put into place for me.
Steve Miles, Pontyclun
5 out of 5 What were the circumstances that caused you to look for a financial adviser? I wanted to move some of my pension pot and I received a recommendation from a friend that Tony could be the person to assist. How did Tony help you? Moved my SIPP pension and ISA to maximise performance. Also assisted in recouping monies paid into an inappropriate fund. Have you seen the outcome you were hoping for? Generally yes. What could they have done better? His service I cannot fault. However there were some issues with companies that we have used for investments that were disappointing however these were not Tony's direct responsibility and he was always helpful in resolution.
Andrew, Hereford
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Retirement planning, pension investment advice. How did Tony Thomas help you? Experienced advice with full range of options clearly explained. Have you seen the outcome you were hoping for? Yes. What could they have done better? In my opinion, the service supplied by Tony Thomas could not be bettered.
John, Cardiff
Overall Rating: 4.3 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 3.0 What were the circumstances that caused you to look for a financial adviser? needed someone to advise on investments How did Tony Thomas help you? He provided advice on how best to invest bearing in mind my circumstances, and how to optimize my tax position Have you seen the outcome you were hoping for? Largley yes. Solid growth without huge risk.
Jim, Bewley
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Initially, I wanted to release my defined contribution pension pot from my ex-employer and change it to a scheme where I could draw down payments as and when required. How did Tony Thomas help you? Throughout, Tony has given us the tools to identify our needs and establish our approach to levels of risk, ensuring we understand and are comfortable with our choices, resulting in us being more relaxed about the whole process. This was evident at our first review meeting. Have you seen the outcome you were hoping for? Yes, during the annual review, performance was much as expected whilst continuing to provide a monthly draw down, verifying our earlier decision. What could they have done better? Nothing. We are happy with the decision to use a financial adviser, and in particular have found Tony’s experience and professional yet personable approach, easy to understand.
David, Bridgend
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? I wanted a review of the plans I had personally put in place by someone who actually knew what they were doing How did Tony Thomas help you? Tony asked first about the financial goals I had, then reviewed the current arrangements and then proposed a number of changes and options. Have you seen the outcome you were hoping for? I am happy with my new plan What could they have done better? I am not really sure. I've not had a financial adviser before and there's nothing that is making me think I will seek out another one.
Richard, Llantwit Major
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? We wanted a financial adviser to help us make the best decisions possible with regard to our savings. Our aim was to ensure we had sufficient savings/investments to meet expenditure during our retirement, including social care and to supplement pension income as appropriate. How did Tony Thomas help you? Tony undertook a thorough needs analysis of us to inform profiles of our investment strategies. He undertook detailed research into possible investments which would meet these strategies. Our profiles have been reviewed on a regular basis. We have discussed with Tony possible alternative investments to those he has advised and we have pursued these ourselves - thus he has respected our decision to make our own judgments with a sharper focus on our values and interests. Have you seen the outcome you were hoping for? Yes. Very good advice which has been instrumental in achieving our overall aims. What could they have done better? Can't think of anything
John, Llantwit Major
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? I wanted a better return on my pension. How did Tony Thomas help you? Detailed evaluation of my needs and wants coupled with great advice. Have you seen the outcome you were hoping for? Absolutely. What could they have done better? Nothing
Peter, USK
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Secure investments for long term growth How did Tony Thomas help you? He outlined what was available and has continued to give us sound advice over many years. Have you seen the outcome you were hoping for? Yes and we are pleased with the results What could they have done better? I cannot see that he could have done anything better as we always have reviews and he will listen to our needs and expectation
Cary, Gowerton
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Change to works pension. How did Tony Thomas help you? Proper and impartial advice on how to re invest my pension pot. Have you seen the outcome you were hoping for? Yes, very pleased with the outcome.
Christian, Magor
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? My pension was maturing and I needed advice on the options available. How did Tony Thomas help you? Tony was very knowledgeable, professional and great customer service. He investigated the options and laid out the pros and cons of each. Have you seen the outcome you were hoping for? Yes, delighted with the outcome. What could they have done better? Tony did more than expected, and I can't think of anything he could have done better.
Alan, Lisvane
Overall Rating: 4.3 Quality of Advice: 4.0 Quality of Service: 5.0 Value for Money: 4.0 What were the circumstances that caused you to look for a financial adviser? Our financial affairs are quite complicated. My husband was an accountant but increasing ill health meant that I had to hold the reins for both of us and Tony filled the bill admirably. How did Tony Thomas help you? He showed us how to organise our money so that we put aside some for rainy days. He is good at giving clear explanations. Have you seen the outcome you were hoping for? Yes as far as is possible but life has changed with the death of my husband. However, I have great confidence in Tony that he will guide me in the best way possible. What could they have done better? Can't think of any thing so far because life has aken so many changes in the last year.
Lizzie, Exeter
Overall Rating: 4 Quality of Advice: 4.0 Quality of Service: 4.0 Value for Money: 4.0 What were the circumstances that caused you to look for a financial adviser? Not an area I can deal with myself How did Tony Thomas help you? Discussed all the various options. Have you seen the outcome you were hoping for? Long term goals. What could they have done better? Nothing I can think of.
Lesley, Abergavenny
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? planning for retirement How did Tony Thomas help you? setting up secure investment portfolio Have you seen the outcome you were hoping for? yes What could they have done better? nothing really as the information and advise were thorough
Steve, Cardiff
Overall Rating: 4.7 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 4.0 What were the circumstances that caused you to look for a financial adviser? Have had one for many years but needed to consolidate after the death of my partner How did Tony Thomas help you? Optimising current investments and advice on inheritance and pension planning Have you seen the outcome you were hoping for? Too early to really tell but investments growing pretty well so far What could they have done better? Perhaps a follow up contact every 6 months or so?
Nicky, Raglan
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? I hate anything to do with finances and it was all getting too much for me. How did Tony Thomas help you? By providing excellent advice and listening to what my husband and I wanted in terms of investments - reasonable rates of return from ethical companies. Have you seen the outcome you were hoping for? Yes. What could they have done better? I haven't got the knowledge to answer that question. I have been very satisfied with his services.
Heledd, Cardiff
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Financial planning and control of my pension How did Tony Thomas help you? Transferred my workplace pension into a private pension plan Have you seen the outcome you were hoping for? Yes What could they have done better? Nothing could have been better ir mire informative or professional
Helen, Tonyrefail
Overall Rating: 4.7 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 4.0 What were the circumstances that caused you to look for a financial adviser? Retirement planning How did Tony Thomas help you? Structure and planning Have you seen the outcome you were hoping for? In operation What could they have done better? All good
Chris, Magor
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? My husband and I decided it was time to ensure that we were on track to be able to enjoy our retirement. How did Tony Thomas help you? Tony reviewed everything that we have in place and agreed that we have a good basis which we will continue to build on with Tony's advise Have you seen the outcome you were hoping for? I am confident that we will see the outcome that we are hoping for. What could they have done better? Nothing, Tony listened to our plans and gave the advise that will assist those plans
Kath, Bargoed
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Pension review How did Tony Thomas help you? Called to property and spent over 2 hours advising on various options Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing comes to mind all options covered.
Russell, Porth
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Very disappointed with previous pension provider. How did Tony Thomas help you? Explained my financial situation and gave advice on the best way forward professionally and in a fiendly manner. Have you seen the outcome you were hoping for? yes
Diane, Peterson-Super-Ely
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? We my wife and I hav had numerous Financial Advisors , with different Portfolio Companies when thy have been acquired by other Compaies How did Tony Thomas help you? Tony has been our Financial advisor for a number of years and we consider him A loyal friend and very capable Advisor ,Who has a courteous and careing manner ,He is always available and willing to help Have you seen the outcome you were hoping for? Very much so we have a monthly income and Satisfactory Portfolios What could they have done better? We cannot think of any improvement that would make Tony a better Advisor or more helpful Financial Consultant ,He has become a most welcome Constant in our lives
Geoff, Porthcawl
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Pension review How did Tony Thomas help you? Transfer all my pension together so I can have income Have you seen the outcome you were hoping for? Yes Tony invested my pension. I'm happy with What could they have done better? Nothing
Chris, Tonyrefail
Overall Rating: 4.3 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 3.0 What were the circumstances that caused you to look for a financial adviser? I looked for a financial advisor following my divorce. How did Tony Thomas help you? Tony has always taken great care in explaining things to me in a way that I understand. He understands my family dynamics and has planned carefully for my future retirement which I am now able to enjoy. Have you seen the outcome you were hoping for? Absolutely there have been no surprises. What could they have done better? N/A
Clare, Maids Moreton
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? I had to seek independent advice due to the value of my pension fund How did Tony Thomas help you? Tony helped me with sound practical advice giving me all the various options open to me with no pressure involved Have you seen the outcome you were hoping for? Yes What could they have done better? Nothing, as an ex financial adviser myself I asked all the appropriate questions and received the service I expected.
Allan, Llantwit Fardre
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? We have known Tony for many years and sought his help following family illness that led to us needing extra help with financial matters. How did Tony Thomas help you? He has helped us with investing pensions and setting up a trust fund for the family in future years. We are still working on inheritance planning. Have you seen the outcome you were hoping for? Partly, but it's a work in progress.
Julia, Llantrindod Wells
Overall Rating: 5 Quality of Advice: 5.0 Quality of Service: 5.0 Value for Money: 5.0 What were the circumstances that caused you to look for a financial adviser? Became eligible for age related retirement How did Tony Thomas help you? Provided advice on my pension options Have you seen the outcome you were hoping for? Too soon to say
Debbie, Treorchy
About us

People come to us because we know exactly what we’re doing, with a highly qualified, experienced and professional team with over 100 years combined experience in wealth management, our track record speaks for itself.

Our service works so well because we carry out so much of our work face-to-face or video calls. This puts the focus firmly on you and lets us understand your needs and goals in detail. We can then tailor our service to fit your requirements exactly, rather than offer you off-the-peg solutions. Our clients appreciate this personal approach, which is how we have built up long-term professional relationships with many of them.

From our first meeting with you, we’ll take the time to understand your financial situation and priorities, and to help you understand exactly what we can do for you. Our service incorporates regular reviews to ensure that your finances and plans stay on track.

Our services

Our core service is wealth management. This in turn is made up of several related areas, which include:
• Investment planning
• Discretionary portfolio management
• Pre & post retirement planning
• Final Salary Pension Transfer Advice
• Defined Benefit Pension Transfer Advice
• Pension Switches
• Inheritance tax planning
• Tax-led solutions

Where to find us
Head office address: Wealth Masters Financial Management, Atlantic House, Charnwood Park, Mid Glamorgan, Bridgend, CF31 3PL
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
9.7/10
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FCA authorised
Last authorised 28th June 2021

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