Personal Financial Health Checks
We'll sit down with you to review your personal finances, spot opportunities to save tax or build a buffer, and give you a clear picture of where you stand. Designed for individuals in Cardiff and South Wales who want straightforward advice without the jargon.
What we cover in your health check
Every personal financial health check is tailored to your situation. We look at income, outgoings, savings, pensions, and tax efficiency to help you make better decisions and meet your goals.
Income and Tax Review
Check you're using all available allowances and not paying more tax than you need to.
Savings and Emergency Fund
Assess whether you have enough set aside and where best to keep it.
Pension Planning
Review contributions, forecast what you might retire on, and explore options to top up.
Goal Setting and Cash Flow
Map out what you want to achieve and build a realistic plan to get there.
What happens during a personal financial health check
A financial health check is a structured conversation about your money. We look at what's coming in, what's going out, what you've saved, what you owe, and what you want to achieve in the next few years. It's not about selling you products or pushing you into investments. It's about giving you a clear, honest view of where you stand and what you can do to improve it.
We start by asking questions about your income, regular bills, debt, and any savings or pensions you have. Then we walk through your tax position to make sure you're using your personal allowance, ISA limits, and pension relief properly. If you're self-employed or run a small business, we'll also check whether you're claiming everything you're entitled to and whether your current structure still makes sense.
Most people leave a health check with at least one action they can take straight away to save money or reduce stress.
More information
Common concerns we address include whether you're overpaying tax, whether your emergency fund is big enough, and whether you're on track for retirement. We also discuss life changes like buying a home, starting a family, or winding down work, and how those affect your finances. If you've had a pay rise, inheritance, or redundancy, a health check helps you make the most of it.
We work with individuals across Cardiff, Barry, Penarth, and the Vale of Glamorgan. Many of our clients are sole traders, freelancers, or small business owners who want to separate their personal and business finances more clearly. Others are employees who've never had a proper financial review and want to know if they're doing the right things.
What you'll walk away with
- A written summary of your current financial position
- Specific actions to improve your tax efficiency, savings, or pension
- Clarity on what you can afford and what your priorities should be
- Follow-up support if you want help implementing any recommendations
There's no obligation to become an ongoing client. Some people book a health check once a year as a financial MOT. Others use it as a starting point for longer-term planning or tax advice. Either way, you'll leave with a clearer sense of what to do next and why it matters.
Worth considering
Pension Planning Advice
Tax-smart pension planning for sole traders and directors. We review what you have, set a contribution plan, and make sure it is recorded correctly for HMRC.
Pension Planning Advice→Before you book
Here's what people usually want to know before booking a personal financial health check in Cardiff.
How long does a financial health check take?
What do I need to bring?
Is the initial consultation really free?
Do you give financial advice or just information?
Can you help if I'm employed rather than self-employed?
What happens after the health check?
Do you cover pensions and retirement planning?
Let's talk about your finances
Book a free consultation and we'll arrange a time to sit down and review your personal financial picture with no obligation.
Book a free consultation