Eleanor Pryce
Focuses on full financial planning consultations and State Pension sequencing for clients nearing retirement.
Our practice
Advice shaped by Welsh households, not product targets
Cedar Wharf Financial Advice grew from face-to-face planning work in Parker-on-Bednar — reviewing pension statements at kitchen tables and mortgage offers before solicitor appointments.
Why we practise this way
Clients rarely need another glossy brochure. They need someone to sit with a CETV letter, a State Pension forecast, and a stack of workplace scheme statements, then say which decisions matter now and which can wait. Our mission is to deliver that clarity through regulated UK financial advice and consulting — with fixed fees where the scope is clear.
We remain a human practice: meetings in Parker-on-Bednar or by video, written plans you can keep, and introductions to solicitors or accountants when legal or tax drafting sits outside our remit.
Working approach
- Fact-find before recommendation — charges, nominations, and cash flow first.
- Plain language in every letter; jargon only where regulation requires it.
- Decline unsuitable transfers rather than stretch a suitability case.
- Coordinate with your solicitor on estate matters; we do not draft wills.
People you may meet
Advisers who specialise in different corners of UK household finance.
Marcus Hale
Leads defined-benefit transfer reviews and workplace pension consolidation questions after career moves.
Sophia Lang
Guides remortgage and first-time buyer cases, then aligns life and income protection with the loan.
Values we hold to
Honesty about what advice cannot fix — markets move, lender criteria change, and health underwriting can surprise. We prefer an awkward conversation early to a regretted transfer later.
Respect for local context: coastal households with seasonal income, family businesses passing between generations, and clients who still keep paper files beside digital statements.