Full Financial Planning

Kymin Financial Services Limited offers a Full Financial Planning Service for those clients based in South Wales, Cardiff and Newport and who wish to have the very best service, technical and professional advice. By having an extensive financial plan in place, this will enable a client to plan for the future and achieve their personal objectives and goals.

The Full Financial Planning is completely Fee-based. We start with a thorough analysis of all aspects of a client's financial life, as well as looking at where they want to be in the future.

At the initial meeting, we get to know you and explain our service and agree the fee. We will ask you to provide us with your personal and financial information including details of any existing arrangements you may have.

Once we have obtained up to date details of your plans, from our research we will prepare our recommendations and will present our financial plan to you.

So if you want to meet with your adviser on an annual basis for an ongoing review, value regular contact and are happy to pay a fee for this increased level of service, contact us today.

Pensions and Retirement Planning

At Kymin, we offer a full service for pensions and retirement planning to all of our clients. Our team of professional financial advisers will offer their advice on what pension would work best for a client so that they get the very best return from it. We will take care of your retirement pensions so you don't have to.

Inheritance Tax Planning

Inheritance Tax (I.H.T) is avoidable and has often been called the voluntary tax because you can easily mitigate against it. It is a tax on death; indeed it used to be called Death Duty until we all became so squeamish when discussing death. According to the dictionary it is "a tax paid on money or property you have received from someone who has died".

There are many exemptions but before considering any of them, you should make a will and keep it up to date with changing circumstances. An extraordinary number of people in the U.K have no will. This may result in unnecessary payment of inheritance tax.

For people with more income than they need, regular gifts out of income will be I.H.T free. However, they must be out of income, they must be regular and they must reduce the donor's standard of living.

Talk to us about the other available exemptions. We can also recommend you to a member of our panel of solicitors for advice on Wills and Powers of Attorney.

Life Assurance and protection

I've yet to meet a widow who thought her late husband was over insured. Incidentally, it's called assurance not insurance because you will die, whereas your house may be burgled.

More competitive than ever before, for the relatively young and healthy, life assurance has never offered such good value as today. Even for older lives, improved outcomes for previously untreatable conditions, have made this wealth preservation tool more affordable.

Life assurance has so many uses. Family protection and mortgage cover are the most obvious, whereas the right policy will help to pan your wealth to your children and grandchildren, essential to inheritance planning.

The object is to ensure that the right amount of money is in the right hands at the right time.

Kymin will help you to review your policies to ensure you have the right level of protection, arranged as economically as possible.

Stockbrokers

Redmayne-Bentley

Redmayne-Bentley was established in 1875 and is one of the UK's largest independent stockbrokers. The Firm is a member of the London Stock Exchange and the Association of Private Client Investment Managers and Stockbrokers and is Authorised and Regulated by the Financial Services Authority.

We offer a full range of stockbroking services, from execution only sharedealing to advisory and discretionary fund management for private clients, corporations, charities and trusts. The Newport branch is our first in Wales and opened in March 2010, trading live from the stock exchange from our offices in Bridge Street. We are very proud to be the recipient of various industry awards - In 2010 Redmayne-Bentley was given an award for Best Advisory Broker by Shares Magazine. This is the 8th award they have received for their advisory investment management service, which was awarded to them based on surveys completed by the public.

The Newport branch offer a warm welcome – in conjunction with our partnership with Kymin Financial Services we offer clients a truly holistic and comprehensive service, and there is always a warm welcome in our Shareshop for any visitors.  Our Branch Manager at the Newport Branch is Dan O'Connell – Dan is a stockmarket and economic correspondent for BBC TV and Radio and is a regular columnist and contributor in both the local and national press. Dan is supported in Newport by a team of Stockbrokers, Analysts and Client Service Executives who are also delighted to help. To arrange a meeting with Dan, or to chat on the phone, call 01633 246179.