FAQS

Have a question?

Find answers to some of the questions asked most frequently by our clients

  • Do I have to pay for an initial meeting?

    No, we provide a free initial appointment where we can discuss your financial needs and determine whether our services are right for you.

  • Who are Morris Paley Wealth Management Limited?

    Morris Paley Wealth Management Limited is an appointed representative of Quilter Financial Planning based in Cardiff and Llanelli.

  • What is Capital Gains Tax?

    Broadly speaking Capital Gains Tax is a tax on the profit when you sell or dispose of an asset that’s increased in value. It’s the gain you make that’s taxed, not the amount of money you receive.

  • What is Inheritance Tax?

    Inheritance Tax is a tax on the estate (the property, money and possessions) of someone who’s died. The standard Inheritance Tax is only charged on the part of your estate that’s above the current threshold.

    Inheritance tax planning is not regulated by the Financial Conduct Authority

  • What is Protection Planning?

    Protection Planning is all about preparing for the unexpected. A thorough protection review can give you peace of mind that following illness, injury or worse, you can still provide for yourself, your family and your business.

  • What is Ethical / Responsible Investing?

    Every company has an impact on the world around us, so by investing in them, so do we. Responsible investing recognises this fact. It picks investments based on principles as well as profits, weighing up the costs your portfolio won’t show those paid by people, society, and the planet.

  • What is an Investment?

    An investment is an asset or item acquired with the goal of generating income or appreciation. Appreciation refers to an increase in the value of an asset over time.

  • What is a Pension?

    Generally speaking, a pension is a tax efficient way of saving money now, so you have an income in retirement. There are different types of pension plans available, depending on your circumstances.

  • How can Morris Paley Wealth Limited help me?

    We aim to provide a range of services for all your financial needs. We can assist you in everything from arranging protection for your family to ensuring your pension provides you with the right retirement possible. We can also advise in specialist areas such as Inheritance Tax planning and Final Salary Pension Schemes.

  • What type of appointments do you offer?

    We are happy to see you at your home, in one of our offices in Cardiff or Llanelli or at a mutually convenient location for example a coffee shop or service station.  We are also happy to conduct meetings via video call, telephone or email.

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