Financial Advice Companies in Cardiff: 129 Active Firms (2026)
Financial advice companies in Cardiff help individuals and organisations plan investments, pensions and protection across the city region.
Demand tends to sit with households, owner-managed businesses and local employers rather than procurement-led enterprise buyers. The main buying centres are private-client wealth and retirement planning, pension support for small employers, protection advice, and recurring review services for clients whose circumstances change over time. Engagements are usually relationship-led and adviser-managed, with qualified staff handling fact-finds, suitability work and review meetings while support teams maintain client relationship management and compliance workflows. The commercial model therefore looks closer to local professional services than transactional software or brokered lead generation: trust, documentation and service continuity matter as much as product access.
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Cardiff has 129 actively trading financial advice companies, which makes the local cohort visible but still fairly small by professional-services standards. Reported employment for the cohort stands at 141 people, so the footprint is adviser-led and support-staff heavy rather than large-employer dominated. Turnover scale also points to a small-practice market: no companies report more than £5M in turnover. Formation activity is still present, with 28 incorporations since 2022, although that does not, by itself, imply scale-up momentum.
Permissioned advice work leaves Cardiff practices with a process-heavy operating model. Suitability assessments, disclosure, ongoing reviews and complaints handling shape the client journey, while pension, protection and investment recommendations create different evidence trails. The market structure is local and relationship-led: qualified advisers source and retain clients, support staff maintain files and review cycles, and technology mainly reduces administrative work rather than replacing judgement. That makes compliance capacity a commercial constraint as well as an administrative one, especially for smaller practices balancing new-client work with servicing existing clients.
Cardiff’s financial advice market appears likely to remain fragmented, with many practices organised around adviser relationships rather than centralised distribution. Newer entrants tend to compete on accessibility, retirement planning and service continuity, while mature firms face succession, adviser recruitment and compliance-cost pressure. Consolidation may continue where owners want an exit route or where administrative burden squeezes margins, but the local client base still favours familiar advisers and repeat reviews. The more durable operators are likely to be those that keep documentation, client contact and suitability processes disciplined without making the service feel impersonal.
What’s in the file
One row per company, 50+ columns — everything below plus each company’s verified directors, from Companies House filings.
Company data
Verified directors — included
129
Active firms
2026
28
Recent incorporations
since 2022
0
Over £5M
disclosed revenue band
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Key facts
21% of the cohort was incorporated since 2022 (28 firms), so a sizeable share is in its first few filing cycles.
Cardiff financial advice firms sit within the part of UK financial services concerned with investments, pensions and protection planning.
Advice is relationship-led, so clients often value nearby advisers for decisions shaped by personal or organisational circumstances.
Organisation-facing work includes workplace benefits and protection planning, while individual work tends to centre on investments, pensions and retirement planning.
Local adviser density can be useful for mapping competitors and acquisition targets across Cardiff rather than national financial-services groups.
Top Cardiff Financial Advice companies
Financial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 3 filingsProvides wealth and asset management services for high-net-worth individuals and families, including discretionary and advisory investment mandates, family office services, estate and succession…
Serves ultra-high-net-worth individuals, families and family offices, alongside business owners and corporate clients seeking private wealth, investment and corporate advisory support.
Financial Health
StableStable · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -68% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -62% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides pensions and employee benefits consultancy to trustees and employers, including pensions administration, actuarial advice, defined contribution consulting, investment consultancy, pension…
Serves trustees and employers responsible for small and medium-sized pension and employee benefit schemes, including organisations managing workplace pensions and employee benefits.
Financial Health
WeakWeak · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides accountancy and tax services for businesses, including bookkeeping, financial reporting and advisory. Also offers HR support, commercial finance advice, wealth management through a regulated…
Serves businesses, particularly SMEs and growing companies, seeking accountancy, tax, HR, commercial finance and related professional support.
Financial Health
HealthyHealthy · -2% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -10% CAGR over 4y
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
StableStable
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
HealthyHealthy · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
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Financial Health
N/AN/A
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 3 filingsFinancial Health
HealthyHealthy · 0% CAGR over 2y
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · 0% CAGR over 4y
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak · -90% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 2 filingsProvides audit and assurance, accounting, tax compliance, and business advisory services. Offers corporate finance, restructuring, payroll, outsourced accounting, and wealth and tax planning services…
Serves growth-focused UK businesses and organisations across agribusiness, automotive, real estate, education, energy, financial services, healthcare, manufacturing, not-for-profit, retail,…
Financial Health
HealthyHealthy · -5% CAGR over 1y
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
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Financial Health
N/AN/A
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong · Hiring · 16% CAGR over 2y
Location
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Financial Health
N/AN/A
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -10% CAGR over 4y
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
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Financial sub-scores
Computed from 4 filingsFinancial Health
HealthyHealthy · 0% CAGR over 3y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
StableStable · Hiring · 19% CAGR over 4y
Location
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Financial sub-scores
Computed from 2 filingsFinancial Health
StrongStrong · Growing · 0% CAGR over 1y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
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Financial sub-scores
Computed from 5 filingsProvides accountancy and financial advisory services including bookkeeping, tax, R&D claims, forecasting and outsourced financial director support. Also advises on commercial and corporate finance…
Targets business owners, entrepreneurs and finance leaders at UK businesses of all sizes, from sole traders and start-ups to scale-ups, SMEs, large and multinational organisations across industries.
Financial Health
HealthyHealthy · Hiring · 37% CAGR over 4y
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 2 filingsFinancial Health
StrongStrong
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
StableStable
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · 0% CAGR over 5y
Location
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Financial sub-scores
Computed from 3 filingsFinancial Health
StableStable · Hiring · 41% CAGR over 2y
Location
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Financial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
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The complete list in one Excel/CSV file — company details, websites and key data. Yours to download and use.
Financial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong
Location
Buy this list of 423 companies
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Financial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Hiring · 19% CAGR over 4y
Location
Buy this list of 423 companies
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How Cardiff Financial Advice companies work and how to sell to them
What they do
Cardiff financial advice practices earn revenue through a mix of initial planning fees, implementation charges, ongoing adviser fees and, in some protection cases, commission. Work is usually delivered as a regulated professional service rather than a high-volume product sale: advisers assess objectives, risk appetite, tax position and existing arrangements before recommending pensions, investments, protection or retirement options. Ongoing revenue depends on review relationships, because clients expect periodic reassessment when income, family circumstances, business ownership or retirement plans change. Pricing tends to follow fixed advice fees, percentage-based ongoing charges, or packaged service tiers, with support teams carrying much of the administration that keeps advice files usable and auditable.
Who they sell to
Most buyers are individuals, couples, owner-managers and small local employers rather than central procurement teams. A typical household buyer may be approaching retirement, consolidating pensions, receiving an inheritance or seeking protection cover; a business buyer is more likely to be a founder, finance lead or HR manager looking at pensions, key-person cover or employee benefits. Sales are relationship-led and referral-heavy, often through accountants, solicitors, employer networks and existing clients. The cycle can be short for simpler protection needs, but retirement, pension transfer and investment planning work tends to take longer because fact-finding, suitability assessment and documentation sit inside the buying process.
What they buy
Most financial advice firms tend to spend on systems and services that reduce adviser administration without weakening control over client files. Common categories include client relationship management, back-office workflow, cash-flow planning, document management, e-signature, secure client portals, compliance monitoring, file review, call recording, cyber security, accounting and payroll. People-related spend often sits around adviser recruitment, paraplanning support, training, HR advice and outsourced administration. Marketing suppliers may find demand for local search, referral nurture, website maintenance and client communications, though many practices remain cautious about lead-generation channels that produce low-intent enquiries or create conduct-risk concerns.
Why and how to sell to them
Financial advice buyers tend to evaluate vendors when adviser capacity is constrained, review backlogs build up, compliance checks take too long, or a new owner wants cleaner processes around an acquired client book. Other triggers include adviser hiring, a move into recurring service packages, office relocation, complaints remediation, cyber insurance reviews and changes to pension or investment rules that require client communication. Outbound works better when it starts from operational pressure rather than generic growth language. Useful angles include reducing manual rekeying, keeping suitability evidence consistent, improving client contact cadences and giving principals clearer visibility over work in progress.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
Also in Cardiff
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Frequently asked questions
How many financial advice companies are there in Cardiff?
What counts as a financial advice company in this list?
Which are the largest financial advice companies in Cardiff?
What do financial advice companies in Cardiff actually do?
How does Cardiff financial advice compare internationally?
How is this list built and how fresh is the data?
How big are the typical financial advice companies in Cardiff?
Are these mostly new or established financial advice companies?
What SIC codes does this use?
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