Marian Ellis
Marian focuses on household cash flow, protection gaps, and retirement sequencing. She previously supported members of a regional pension scheme through wind-up communications.
Our practice
Advice shaped by coastal households and careful books
Fairwater Financial Advisory grew from client work across Wales: pension transfers after factory closures, retirement plans for holiday-let owners, and director extractions that had to fund both school fees and corporation tax.
Why we practise this way
Financial advice in Great Britain is regulated for a reason: recommendations change people’s pensions and protection. We keep engagements small enough that the same adviser who took your fact-find also explains the written plan.
Our office sits at 3568 Marilie Ferry in Heaneyham. Clients travel from across Wales and the wider UK; video meetings are available when distance or caring responsibilities make travel hard.
People you may meet
Owen Pritchard
Owen works with limited company directors on pension contributions, extracts, and the tension between company cash and household bills. He insists on a working-capital buffer before large contributions.
Values we hold in client work
- Plain English in every letter and plan — jargon only when the regulation requires it, then explained.
- Fees stated before paid work; no pressure to implement products in the same sitting as the plan presentation.
- Respect for family dynamics: we pause when adult children and parents need a solicitor present.
- Referral out when debt, legal, or specialist tax work sits outside our authorisation.