Rhys Young

I initially began my career in financial services working within the insurance sector and I then progressed into mortgage advice. I use my skills, expertise and specialist industry knowledge in order to provide a comprehensive and professional service to my clients in both Welsh and English. I have great relationships with established mortgage lenders & insurers to give my clients the peace of mind that they are in safe hands and that they have someone to trust who will go above and beyond for them at any stage of their life. Whilst the home buying process can be daunting, I always to to make this as stress free as possible by liaising with estate agents, solicitors and anyone else involved in the transaction to make it as smooth as possible. I work with the most reputable providers in the UK market to enable my clients to access the best solutions to meet their needs. I tailor make bespoke advice packages for all my clients and always do my best to provide a high-quality service. My services cover the full spectrum of your financial planning needs and rest assured I will always do my best to go the extra mile for my clients and make myself available to them whenever they need me. Get help with understanding your options for releasing equity from your home. Understand the main options, the costs associated and the long term implications of each option. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. Your adviser should be able to assess and explain this to you. Warning: A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release.Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries. Get help with your inheritance tax planning and understanding the tax implications of the estate you leave or accessing an inheritance you have received. Warning: HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. Estate Planning is not regulated by the Financial Conduct Authority. Get help with a wide range of investment options, including equities, funds, bonds, and ISAs. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. Get advice on transferring pensions where you do not need a specialist, for example a standard personal pension or one through your employer that is made up ONLY of regular contributions from you and your employer (this should not be a defined benefit pension). Get help on making a plan for a comfortable retirement; whether it’s starting a pension or understanding how much you should be contributing to one. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. Get help understanding and evaluating your retirement options, whether it be via an annuity or a drawdown, or discussing the other available retirement income options for you. Warning: The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.