What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 8am - 4pm

NTM Financial Services Ltd

Home
United Kingdom
Llanishen, Wales
NTM Financial Services Ltd

Call Directions Website Contact the business

Our core service is helping clients develop
a long term financial plan to meet their
objectives. The use of cash flow modelling allows us to
demons

We offer proven, expert advice,
developed to complement the services
offered by solicitors and accountants.

28/10/2026

The headlines will change.
Your financial plan shouldn't have to.

With today's Autumn Budget dominating the headlines, there's been no shortage of speculation about what the Chancellor might announce and what it could mean for our finances.

But there's a big difference between being informed and feeling compelled to act.

At NTM, we believe that good financial planning isn't about reacting to every headline. It's about having a clear strategy, understanding your long-term objectives and knowing when adjustments are genuinely needed.

In the first of our two-part Budget special, Neil Muir looks beyond the speculation and explains why a measured approach matters, particularly when uncertainty is high.

Next week, we'll look at what was actually announced and what it could mean for your finances.

Read Part 1 here:
https://www.ntmfs.co.uk/beyond-the-headlines-budget-special

26/10/2026

EARNING MORE DOESN'T AUTOMATICALLY MEAN YOU'RE BUILDING MORE WEALTH.

It's easy to assume that as your income increases, your financial future becomes more secure.

But that's not necessarily the case.

We have spoken to plenty of people over the years who earn a good living, work incredibly hard and have successful careers or businesses, yet haven't really stopped to consider what their money is doing for them in the longer term.

And it's understandable. Life gets busy, financial commitments grow and there's always something else demanding your attention.

But there's an important difference between earning a good income and building long-term financial security.

It's not simply about how much money comes in. It's about what you do with it.

Are you making the most of your pension contributions? Are your savings and investments working towards a clear objective? Are you taking advantage of the tax-efficient opportunities available to you? And perhaps most importantly, do you know what you're actually working towards?

These aren't questions reserved for people approaching retirement.
They're relevant throughout your working life.

At NTM Financial Services, we help people look beyond their immediate financial position and consider the bigger picture. Because good financial planning isn't just about accumulating money. It's about making informed decisions that support the life you want, both now and in the future.

A good income gives you opportunities. A good financial plan helps you make the most of them.

When did you last take a proper look at where your money is taking you?
Contact us direct today and start the conversation about your wealth plan

T. 029 2076 6400
E. [email protected]

21/10/2026

YOU CAN'T CONTROL THE BUDGET.
BUT YOU CAN CONTROL HOW PREPARED YOU ARE.

With the Autumn Budget just a week away, there's no shortage of speculation about what might change, who might be affected and what it could mean for our finances.

But here's a question worth asking.

If the rules changed tomorrow, how confident would you be in your financial position?

Whether it's your pension, investments, savings, retirement plans or the future of your business, financial decisions shouldn't be driven by newspaper headlines or last minute panic.

They should be built around a clear understanding of where you are, what you want to achieve and how best to get there.

At NTM Financial Services, we believe good financial planning is about more than reacting to change. It's about helping you make informed decisions, understand your options and build a plan that can adapt as circumstances evolve.

The Budget may bring changes. It may also bring more questions. Either way, having the right advice and a clear strategy can make a real difference.

When was the last time you properly reviewed your financial plans?
If it's been a while, now could be a good time to have that conversation.

Drop us a message or get in touch with NTM Financial Services and let's have a chat about your future.

www.ntmfs.co.uk

15/10/2026

GOOD LUCK, NEIL!

It's a big weekend ahead for our very own Neil, who is hoping to take on his first full marathon this Sunday at the Abingdon Marathon!

Neil is certainly no stranger to putting in the miles. As a member of Cardiff's San Domenico Running Club for the past three years, he's regularly clocking up an impressive 45–50 miles a week!

Just a couple of weeks ago, Neil Williams and fellow NTM team member Tom Palmer took on the Cardiff Half Marathon, with Neil achieving a fantastic personal best of 1 hour 22 minutes and Tom finishing in a very respectable 1 hour 43 minutes. Brilliant efforts from both!

Now Neil's preparing to double the distance and tackle the full 26.2 miles. He's picked up a slight niggle since Cardiff, so we're keeping everything crossed that he'll be fit and ready for the start line on Sunday.

Everyone at NTM is behind you, Neil. We know how much work you've put into this, and hopefully all those early mornings and training miles will pay off!

Best of luck from all of us at NTM! And don't worry, we'll go easy on you in the office on Monday! 😄

14/10/2026

41% OF PEOPLE AGED 55–65 HAVE NO RETIREMENT PLAN.
DO YOU?

According to recent research from the Money and Pensions Service, 41% of people aged between 55 and 65 have no financial plan for later life.

It's a concerning statistic, particularly for those approaching a stage in life when the decisions they make today could have a significant impact on their financial future.

For many, retirement is something they've been saving towards for years. But having a pension and having a clear retirement plan are two very different things.

Do you know when you can realistically afford to retire?
Will your pension, savings and investments provide the income you need?
Have you considered how your circumstances and financial priorities might change as you get older?

These are important questions, and ones that are much easier to address when you have a clear understanding of your financial position.

At NTM Financial Services, we work with clients to look beyond their pension pots and consider the bigger picture. From understanding retirement income requirements to reviewing existing arrangements and planning for the years ahead, our approach is about providing clear, practical advice that's right for each individual.

Retirement should be something to look forward to, not something to worry about.
Whether you're approaching retirement or still have a number of working years ahead, taking the time to review your plans now could make a real difference.

Are you confident you're on track for the retirement you want?

Get in touch with NTM Financial Services and let's have a conversation about your future.
www.ntmfs.co.uk

08/10/2026

DON'T LET THE HEADLINES MAKE YOUR FINANCIAL DECISIONS FOR YOU.

As we move further into autumn, financial matters are likely to find their way back into the headlines, particularly with the next Budget on the horizon.

There will inevitably be speculation about pensions, taxation, savings and investments. And while it's important to understand how any changes might affect you, it's equally important not to make financial decisions based on speculation alone.

At NTM Financial Services, we believe good financial planning starts with understanding your individual circumstances, your priorities and what you want to achieve.

Whether you're approaching retirement, reviewing your investments, looking at your savings or simply wondering whether your current arrangements are still working for you, now is a sensible time to take stock.

A lot can change over the course of a year, both personally and financially. Your financial plans should reflect that.

The key isn't trying to predict what's coming next. It's making sure you have a plan that's right for you, whatever comes next.

Is it time to review your financial plans?

Whether you're looking ahead to retirement, reviewing your savings and investments or simply want some reassurance that you're heading in the right direction, we're here to help.

Get in touch with NTM Financial Services today and let's start a conversation about your financial future.

30/09/2026

“I’ve built up some savings, but how much should I keep in cash?”

It’s a question we are often asked, and our starting point is always the same: what might you need that money for, and when?

Having money readily available for a boiler breakdown, an unexpected bill or a change in income gives you breathing space. Cash also has an important role in covering planned spending, whether that’s a new car, home improvements or helping the children through university.

Money set aside for a retirement that’s years away has a different job to do. Depending on your circumstances and comfort with risk, investing could give it the opportunity to grow over the longer term.

The difficulty is finding the balance. Holding everything in cash can mean inflation gradually reduces its buying power, while investing money you’ll soon need could leave you having to withdraw it at the wrong time.

At NTM, we start with your life and your plans. Understanding those helps us build a financial plan where each part of your savings has a clear purpose, from providing reassurance today to supporting your future.

If you’ve accumulated savings but aren’t sure whether the balance is right, get in touch. We would be happy to talk it through.

The value of investments can fall as well as rise, and you may get back less than you invest.

15/09/2026

A massive well done to Tom Palmer , who completed the Stockholm Half Marathon on Saturday 29th August! 🏃‍♂️👏

Despite a very wet day in Stockholm, Tom powered through to secure a new PB of 1 hour 43 minutes. A fantastic achievement!

There’s not too much time to put his feet up though. On 4th October, Tom will be taking on another challenge a little closer to home as he lines up for the Cardiff Half Marathon.
A quick rest, then straight back to the training!

Congratulations Tom, and good luck for Cardiff from everyone at NTM!

11/09/2026

DON’T LET A HEADLINE MAKE A FINANCIAL DECISION FOR YOU.

With the Autumn Budget approaching, the speculation has already started. Pensions, Capital Gains Tax, Inheritance Tax and allowances are all being discussed, and depending on what you read, there are plenty of reasons to suddenly rethink your financial plans.

The important word, however, is could. There’s a big difference between understanding how a confirmed change may affect your finances and making a significant decision because of something that might happen.

At NTM Financial Services, we believe good financial planning should be based on your circumstances, your objectives and the information available, not an attempt to second-guess the next headline. There may well be changes announced in the Budget, but when the detail is confirmed, that’s the time to understand what has actually changed, who it affects and whether your plans need to change with it.

Until then, sometimes the best financial decision is not to make a rushed one.

Get in touch and start the conversation today.
T. 029 2076 6400
E. [email protected]

This post is for general information only and does not constitute personal financial advice. Tax treatment depends on individual circumstances and may be subject to change.

08/09/2026

FINANCIAL ADVICE AND INVESTMENT MANAGEMENT AREN’T THE SAME THING.

And understanding the difference can help you understand exactly what you’re paying for.

Investment management is about what happens within your portfolio. The research, selection and ongoing management of the underlying investments, all within an agreed approach to risk.

Financial advice starts somewhere different.

It starts with you.

What are you trying to achieve? When might you need your money? What does retirement look like? What else is happening within your finances, your family or your business? And importantly, does the strategy you have in place still make sense as those things change?

At NTM Financial Services, we can work with specialist investment expertise to manage what happens within a portfolio, while our job is to keep looking at the bigger picture.

Because a well-managed investment portfolio is only part of a financial plan.

It’s not just about how your money is invested. It’s about why it’s invested in the first place.

Let's chat now and start talking about your finances!

Address

Llanishen
CF145GH

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	8am - 4pm

Telephone

+442920766400

Website

http://www.ntmfs.co.uk/

Alerts

Be the first to know and let us send you an email when NTM Financial Services Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.