Retirement income mapping
“We came in wanting someone to pick funds. Instead Fairwater made us list care costs for my mother before touching the ISA — slower than I hoped, but the plan finally matched our life in Wales.”
Helen M. · Bridgend
Evidence
Stories from households who sat with the numbers
These accounts describe specific consultations. Names are shortened; details are shared with permission. They are not a promise of similar outcomes.
Investment portfolio review
Owen walked through every fund charge on my two ISA platforms and a forgotten AVC. He did not recommend a wholesale switch; he flagged one high-cost holding and left the rest alone. I appreciated the restraint.
James T. · Cardiff
Extended story · Comprehensive financial planning
Leaving a partnership and keeping the cottage
Rhys and Anwen needed a plan before Rhys exited a professional partnership. They held three workplace pensions, a joint mortgage on a coastal cottage let in summer, and uneven protection cover.
Over eight weeks Fairwater built a cash-flow range for the first two years after exit, identified a protection gap on Anwen’s income, and delayed a large ISA contribution until partnership tax was settled. One meeting ran long because pension statements arrived late from a 1990s scheme — a frustration they noted openly — yet the written plan still arrived before the resignation letter.
They instructed implementation of a single protection policy and kept existing investments with a review date set for the following spring.
Rhys & Anwen · Heaneyham area
Business owner cash & pension
I wanted the maximum director pension contribution before year-end. Marian refused until we mapped VAT and a slow winter pipeline. Annoying in October; correct by January when invoices slipped.
Priya S. · Swansea
Comprehensive financial planning
The clarification meeting after the written plan was the most useful hour. We changed two assumptions about school fees and the recommendations shifted without drama.
David L. · Bristol (remote meetings)