What are the opening hours?

Monday 9am - 6pm Tuesday 9am - 6pm Wednesday 9am - 6pm Thursday 9am - 6pm Friday 9am - 6pm Saturday 10am - 1pm

Tony Thomas IFA Cardiff South Wales

Home
United Kingdom
Rhondda Cynon Taf, Wales
Tony Thomas IFA Cardiff South Wales

Providing pension retirement advice.

04/11/2026

Your pension has been your safety net for decades. From April 2027, it could also become part of your Inheritance Tax picture. 👇

From 6 April 2027, most unused pension funds will generally count towards the value of your estate for IHT purposes.

Before you change your plans, take a moment to ask yourself:

💭 What do I want my money to do for me while I’m here?
👨‍👩‍👧 What do I want to pass on, beyond money?
🗣️ Does my family know what matters to me?

The tax rules matter, but so does the life you want to live. The best plans make room for both.

Thinking about what this means for you? Send me a message and let’s talk it through. 💬

FamilyFinances LifeAfterWork SouthWales

03/11/2026

You’ve planned for the money. Have you planned for Monday morning? ☕

Building wealth takes decades. Knowing what you want it to do for you is a different question altogether.

A good retirement plan looks at your income, tax, investments and legacy. A great one also asks:

✨ What will give you purpose?
✨ Who do you want to spend your time with?
✨ Who are you beyond your job title?
✨ What have you been putting off until “one day”?

When you know what you’re retiring to, the numbers have something to work towards.

That’s why I bring financial planning and retirement coaching together, helping you build a retirement that’s secure and feels like yours.

What’s the first thing on your “one day” list? Tell me below 👇

31/10/2026

Happy Halloween.
So, a seasonal question: what’s the scariest thing about retirement?
Most people assume the answer is money. But when I ask people approaching retirement, the answers are often very different:
Losing my sense of purpose. Not knowing who I am without my job title. Too much time with nothing to fill it.
The money matters, of course. But the fears that keep people up at night are often about identity, not income.
What’s yours? Tell me in the comments – no tricks, just honest answers.

26/10/2026

The Budget is on Wednesday.
And right on cue, my inbox is filling up with the same question:
“Should I do something before it’s announced?”
Take my tax-free cash now. Move my pension. Bring retirement forward. Push it back.
I understand the urge. When you’re a few years from retirement, every headline feels personal.
But here’s what I’ve learned helping people through this transition for years:
The biggest retirement mistakes rarely come from Budget announcements. They come from rushed decisions made on rumours.
Speculation isn’t policy. Some of what’s being trailed this week will never happen. Some of it won’t look the way the headlines suggest. And decisions like taking a lump sum often can’t be undone.
So my advice for this week is simple:
1. Don’t act on rumours.
2. Know where you stand today – your income plan, your pensions, your tax position.
3. Wait for the detail, then review calmly.
A good retirement plan is built to absorb change, not to be rebuilt every autumn.
If you’re approaching retirement in South Wales and want a calm, clear look at what Wednesday means for you, I’ll be offering post-Budget reviews next week. Just drop me a message.
Swansea

Address

10-11 Business Edwards Llantrisant
Rhondda Cynon Taf
CF728QZ

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	10am - 1pm

Website

https://www.ttwealth.co.uk/

Alerts

Be the first to know and let us send you an email when Tony Thomas IFA Cardiff South Wales posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.