Financial Planner
Supporting you in your Financial Planning so that you can focus on the things that matter most…
Hey there, I'm Nathan Cardy, a Financial Planner proudly serving at Al Rush IFA. Inspired by the resilience and dedication of my father, a 5th generation steelworker, I was spurred into action by the British Steel Pension scandal. Witnessing the challenges faced by families and individuals, I decided to pursue a career in financial planning at the highest level.
My mission is clear: to empower Families and Business Owners to achieve financial freedom. I believe everyone deserves the peace of mind to relish life on their own terms, free from financial uncertainty. Through bespoke personalised strategies and ongoing support, I strive to guide my clients towards a more fulfilling and brighter future.
Beyond the numbers, I am driven by a genuine desire to make a meaningful difference in people's lives. When I'm not immersed in Financial Planning, you can find me exploring West Wales and the Brecon Beacons or soaking up the sun abroad when possible. Sadly, I'm a painful Manchester United supporter...
I look forward to connecting with you and helping you in your financial planning so you can focus on the things that matter most.
Myself (on the right) with Fellow Financial Adviser Thomas Davies at the Cardiff Life Awards.
Services
Pension Planning
Considering retirement? Pension Planning ensures you're on the right path to your ideal retirement lifestyle, whether it's travel, family time, or pursuing hobbies. As a business owner, you can use your pension for investments like commercial properties. Pensions might seem complex, but I make it simple and stress-free.
A Pension is a long term investment. The fund value may fluctuate and can go down. your eventual income may depend upon the size of your fund at retirement, future interest rates and tax legislation.Cashflow Planning
In retirement, there are two doors: Outliving your money or your money outliving you. Only one offers independence.
Concerned if your money will last a lifetime and beyond? Unsure if it'll support your children or grandchildren? Planning to retire, but uncertain if you'll have enough to live the life you desire? Whether it's halving or doubling your income for Financial Freedom, Cashflow Forecasting guides you towards working out of choice, not necessity.
Cashflow Planning is not regulated by the Financial Conduct AuthorityTax Planning
Tax Planning isn’t just for the rich…
The goal of tax planning is to reduce your tax bill, helping you keep more of your hard-earned cash. To ensure you continue saving tax, I review legislation and your tax planning regularly. I make updates when needed and continue to look for creative solutions which will benefit you
Tax Planning is not regulated by the Financial conduct Authority