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Financial Services Cardiff

It's about your life, not just your money.


Regardless of the life stage you have arrived at, it’s important to receive the right advice on your pension planning requirements. Harry Robinson Wealth Management can help you make the most of the retirement opportunities available, whether you're an individual or a business.

Whether you are embarking on a new and exciting career within the corporate space, starting a family or counting down the days to retirement, pension planning should be a key focus for us all. We all have different ideas of what a comortable retirement looks like not to mention contrasting needs and priorities. We recognise this at Harry Robinson Wealth Management so this is why we offer a simple yet highly personalised retirement advice service. Where do you need to be?  

With retirement deemed to be sometime away, now is the time to seize the opportunity to effectively plan for upcoming financial milestones and your ultimate dream lifestyle.

Now is the time to expertly fine tune and execute the final phase of your retirement to help realise your most comfortable lifestyle.


The right investments can offer real opportunities to grow your wealth and protect it against inflation. Through St. James's Place, Harry Robinson Wealth Management offers a broad range of funds to choose from, along with expert advice to help you build an appropriate portfolio.

ISAs usually form the cornerstone for most investment strategies and provide a straightforward, tax-efficient solution to help you  save for the future.

The favourable tax treatment given to ISAs is subject to changes in legislation and may not be maintained in the future.

Discretionary Fund Management is when an investment professional known as a Discretionary Fund Manager (DFM) builds and manages a portfolio of investments on your behalf. 

Rowan Dartington is wholly owned by the St. James's Place Group and offers discretionary fund management and a range of additional complementary wealth management services.

Here at Harry Robinson Wealth Management we take into account how much you have to invest, the level of risk you are prepared to take, your tax position and your financial goals.

The value of an investment through Rowan Dartington and any income generated may fall as well as rise. You may get back less than the amount invested.

Whether you are looking to invest for capital growth or a regular income or maybe a combination of both? Either way Harry Robinson Wealth Management can provide you with the quality advice and a wide range of investment solutions to help you achieve your future financial goals. Options range from unit trusts, offshore bonds, plus many more. Talk to us today and tell us where you need to be.

The value of an investment with St. James’s Place will be directly linked to the performance
of the funds selected and may fall as well as rise. You may get back less than the amount invested.


Harry Robinson Wealth Management are specialists in providing effective solutions to help meet the insurance and protection needs of our clients. Whether you require life cover or advice on Inheritance Tax, Critical Illness or mortgage protection Harry Robinson Wealth Management can offer you the right products and services to suit you and your family

Protection is essential. 

It may not be the most exciting of subjects but it answers the call to all that we hold dear, and that is to protect what matters most in times of high emotion and potential financial risk. Being in good health and having the ability to earn a living are arguably two of the most precious asset we will ever come by. But this cannot be taken for granted, it should be respected and adequately protected.

What types of protection are available?

Harry Robinson Wealth Management deal in two main forms of life assurance; Term Assurance and Critical Illness Cover. 

Life Assurance

Life assurance provides a lump sum payment in the event of death and comes in two basic forms: term assurance and whole of life assurance.

Term assurance provides coverage for a predefined length of time, whereas whole of life assurance will provide a lump sum payment whenever death occurs. Both forms of protection require that the premiums be kept up to date throughout the ongoing term of the policy. 

Critical Illness Cover

Critical illness cover, also known as critical illness insurance, is a long-term insurance policy which covers serious illnesses listed within a policy. If you get one of these illnesses, a critical illness policy will pay out a tax-free, one-off payment. This can help pay for your mortgage, rent, debts, or alterations to your home, such as wheelchair access, should you need it.

Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy.

But be aware that not all conditions are covered and policy will also state how serious the condition must be.

Examples of critical illnesses that might be covered include:

  • stroke
  • heart attack
  • certain types and stages of cancer
  • conditions such as multiple sclerosis.
  • Most policies will also consider permanent disabilities as a result of injury or illness.

It only pays out once and then the policy ends.

Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.

Having the physical ability to simply go to work and earn a living is by far one of the most valuable assets an individual or family has in life. Failure to protect this precious skill could potentially see a family’s lifestyle pause overnight. 

This is where Income protection insurance (sometimes known as permanent health insurance) comes in. Described as a long-term insurance policy designed to help you if you can't work because you're ill or injured. It ensures you continue to receive a regular income until you retire or are able to return to work giving you and your family that essential coverage to maintain your current lifestyle should the unexpected happen. 

Business life insurance can support your business financially if something happens to your staff, your partners or more importantly you. Setting up a policy is about making sure your company is prepared – which is the best any business can do. And just as there are lots of different types of life insurance, there are various types of business life insurance you should consider. Here are five key types of cover to think about;

Key Person Insurance

This is aimed at protecting your company against losing the one person it simply couldn’t be without. Think about how your business would function without your key performer if they became ill and couldn’t work for some considerable time. How would you cope? Key person insurance might be the answer.

Relevant Life Cover

If you’re a small business with fewer than five employees, life cover can offer an alternative to group life insurance schemes and can be a very tax efficient way of offering death in service benefits – which can give staff and their families’ real value and peace of mind. It can be a valuable addition, or a starting point, for any benefits package while helping to retain your best people or recruit new talent. 

Business Protection Insurance

Business protection insurance, sometimes called business loan protection, can cover various types of debt – from director’s loans, commercial loans and mortgages, to venture capital loans, overdrafts, credit cards and even personal guarantees. Unlike most life insurance pay-outs, when it comes to business protection insurance a claim can be paid to a business instead of a family member.

Ownership Protection

If you run your business with a partner or have shareholders, what would happen if you suddenly lost them? When someone passes away, their assets usually go to their dependants – that would include any shares in your business. And what the dependants want may not be what your business needs. For example, they may prefer to receive a lump sum, but you may not have the capital to honour this. That could mean you have to sell on shares, which could reduce your control of the business. 

Other Forms of Protection

There's so much more to financial protection than simply arranging a life insurance policy – you should think carefully about the preservation of your wealth to allow for smooth handover of any assets to future generations.

Failure to create an adequate wealth and estate planning may see your wealth become susceptible to other parties which could potentially erode its value and core use. However this doesn't have to be the case. As a Partner Practice of St. James's Place, Harry Robinson Wealth Management can assist you with a personalised wealth strategy that can help you pass on any estate benefits to your loved ones as originally intended.

Don't let HM Revenue & Customs become your estates prime beneficiary. Talk to us about implementing an effective Inheritance Tax Planning strategy.

Making a Gift to your family whilst you’re alive can be a cost effective strategy to reduce the value of your estate for Inheritance Tax purposes that  benefit your loved ones immediately.

When you put money or property into a trust, provided certain conditions are satisfied, you don’t own it any more. Which means that it might not count towards your Inheritance Tax bill when you die. 

Trusts are not regulated by the Financial Conduct Authority.

As we grow older looking after the yourself or caring for a loved one can not only be physically challenging but financially stressful. Here at Harry Robinson Wealth Management we can help you put plans into place to help reduce the burden.  

The levels and bases of taxation and reliefs from taxation can change at any time.
 The value of any tax relief depends on individual circumstances.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Wills and Trusts are not regulated by the Financial Conduct Authority. 

Mortgages & Lending 

Harry Robinson Wealth Management can offer advice on a wide range of mortgages and lending solutions from first-time buyers, upsizing or downsizing options or Buy To Let purchases. 

Or maybe you require a more short term lending solution? Harry Robinson Wealth Management has access to various lending facilities and products to cater for a wide range of needs or circumstances.

We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a pro-curation fee by the lender.

Mortgage options  

If you're a first time buyer, there are many hurdles before you get a mortgage. It used to be just about getting the best rate. Now it’s about how you can boost your chances of getting accepted too. At Harry Robinson Wealth Management we understand this can be a confusing process so this is why we will hold your hand throughout the entire process; from application right through to drawdown.

Buying a new home is often one of the most exciting but daunting financial purchases we'll experience in life. So why not take the stress out of it and let Harry Robinson Wealth Management guide you through the entire process? From researching and selecting the right product for you, whether that be a fixed rate or tracker, flexible or offset mortgage. Right through to supporting you through the application paperwork through to the completion process.

Are you looking to raise capital against your property to carry out much needed home improvements or simply save money by getting a new competitive rate? Let Harry Robinson Wealth Management do the work for you, we can source you the right rate and product for you needs whilst taking care of the paperwork. 

Your home or other property may be repossessed if you do not keep up repayments on your mortgage. 

Some Buy to let mortgages are not regulated by the Financial Conduct Authority.

Are you an existing client?