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Penguin Wealth

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Penguin Wealth

Penguin is an Independent Financial Adviser firm in Cardiff, formed in 2010. We help you to make the How could we not find satisfaction in that?

Penguin is an Independent Financial Adviser firm in Cardiff, formed in 2010 by a group of Financial Planners with a shared vision and passion to help make a measurable difference to lives.

“Helping People Live their Best Life, by Making Smarter Financial Decisions”

The Penguin adviser team believe they have the best jobs in the world! They get to help you plan for a more comfortable and enjoyable future.

01/09/2026

There’s nothing better than hearing that a client feels informed, supported and comfortable when making important Financial decisions.

Karen has been with Penguin for over 10 years, and recently shared these lovely words about her experience with Callum:

“I have to say, a big thank you to Callum McCarthy at Penguin. I have had two recent meetings with Callum and how down to earth, friendly and very informative. All explained in layman terms. Nothing was too much trouble. Gave me all the information I needed and help in sorting out my pension. Excellent company, been with them for over 10 years.”

Thank you, Karen, for your kind words and most importantly, for trusting Penguin for more than a decade. We’re delighted to have you with us!

31/08/2026

Money Myth Monday: “Financial Planning is only for wealthy people.”

It is an understandable assumption - but it misses the real purpose of planning.

Financial Planning is not simply about managing a large Investment portfolio. It is about making informed decisions with the resources you have and ensuring those decisions support the life you want.

For one person, that could mean building an emergency fund and starting a Pension. For another, it could involve protecting a young family, combining several workplace Pensions, planning a comfortable Retirement or deciding how to pass wealth to the next generation.

The numbers will be different for everyone. The questions are often remarkably similar:

Am I doing enough?

Can I afford the future I am imagining?

What should I prioritise?

What happens if life does not go to plan?

A Financial Plan brings these questions together. It helps create structure, highlights trade-offs and gives you a clearer basis for making decisions.

You do not need to be “wealthy enough” to benefit from clarity. You simply need goals, choices or concerns that matter to you.

What money myth would you like us to tackle next?

Learn more about Penguin Wealth and our approach: https://www.penguinwealth.com/our-ethos/

28/08/2026

The Summer Bank Holiday is a chance to pause before the pace of autumn begins again.

For some, it means a day trip, a family lunch or a quiet afternoon at home. For others, it is simply a welcome break from the usual routine.

These moments are a useful reminder of what Financial Planning is really for.

It is not about accumulating money for the sake of seeing a larger number on a statement. It is about using money thoughtfully - to create time, support the people you care about, enjoy meaningful experiences and face the future with greater confidence.

That may mean planning for a comfortable Retirement. It could mean working fewer hours, helping children or grandchildren, travelling, pursuing a long-held ambition or knowing that your family would be protected if life changed unexpectedly.

The purpose will be different for everyone, which is why the most important part of a Financial Plan is not the product. It is the person.

Before the new season begins, take a moment to think beyond your next Financial task.

What are you ultimately planning for?

Whatever today looks like for you, we hope your Bank Holiday includes time for something - and someone - that matters.

Explore Penguin’s people-first approach: https://www.penguinwealth.com/our-ethos/

27/08/2026

🎉 Penguin is Sweet 16! 🐧💙

This year marks 16 years of Penguin, and we celebrated in true Penguin style!

We brought the whole team together for our Sweet 16 State of the Company - reflecting on how far we’ve come, celebrating everything we’ve achieved so far in 2026, and looking ahead to an exciting next chapter.

That includes our ambition to become the UK’s Most Human, AI-Driven Financial Planning Firm - bringing together the human relationships at the heart of Penguin with the opportunities AI can create.

Then it was off to the cinema, where our clients and their families joined us for a private screening of Minions! 🍿🎬

The Minions were desperate to get in on the action but we eventually had to kick them out to make more room for our clients! 😉

A brilliant celebration with the team, clients and families who have helped make Penguin what it is today.

Here’s to the next 16! 🥂🐧

18/08/2026

🐧🎉 3 Years – Happy Penguin Birthday, Dan!

This month we’re celebrating 3 years of Dan at Penguin! 🥳

A huge thank you for everything you’ve brought to the team over the past three years. Here’s to all the great moments so far and plenty more to come!

Happy Penguin Birthday, Dan! 🐧💙

07/08/2026

📖 July's Article of the Month

Halfway Through the Year: Are You Still Living the Life You Said You Wanted?

Now that we're over halfway through the year, it's a great opportunity to pause and reflect.

Is your time, energy and money supporting the life you set out to create at the beginning of the year, or has the busyness of everyday life taken over?

July's Article of the Month explores why Financial Planning is about so much more than building wealth. It's about using your resources to create a life filled with purpose, meaningful experiences, and the people who matter most.

It also asks a powerful question: What Advice would your 90-year-old self give you this summer?

If you haven't had a chance to read it yet, take a moment to step back, reset where needed, and make the most of the rest of the year.

📚 Read the full article here: https://www.penguinwealth.com/blog/2026/07/07/halfway-through-the-year-are-you-still-living-the-life-you-said-you-wanted/

06/08/2026

📚 Book of the Month

Why Populists Are Winning - and How to Beat Them by Liam Byrne

Populism is reshaping politics across the world - but why is it gaining so much traction?

In this thought-provoking book, Liam Byrne explores how populist movements build support by appealing to nostalgia and painting an idealised picture of the "good old days." He also examines why many of their economic promises don't stand up to scrutiny - and what can be done to counter them.

If you're looking to better understand the political landscape, including what's happening in Westminster today, this is a worthwhile read.

📖 Get the book here: https://www.amazon.co.uk/Why-Populists-Are-Winning-Beat/dp/1035920921/ref=sr_1_1?adgrpid=161552098272&dib=eyJ2IjoiMSJ9.ejVFbnWjNOvIajRy8yEE5OEClVk6edwuvnBNklyLVzk.e-FMHRK-9HI-5ioZeB1MM61s9zsIHrDpdmTZYS6iZI8&dib_tag=se&gad_source=1&hvadid=696450354450&hvdev=c&hvexpln=69&hvlocphy=9045381&hvnetw=g&hvocijid=10262603358508903581--&hvqmt=e&hvrand=10262603358508903581&hvtargid=kwd-2458012627908&hydadcr=10807_2162816&keywords=why+populists+are+winning&mcid=43fe6de77df83047b96c8d6a6fae8a9d&qid=1783417801&sr=8-1

30/07/2026

🏊🚴🏃 Another Ironman completed!

A huge congratulations to Dino on finishing his second Ironman, this time in Northern Spain, in the heart of the beautiful Basque region.

It wasn't an easy day. With temperatures soaring to 37°C (well above the usual 24°C) and 30 mph winds creating tough conditions for both the swim and bike, this was a true test of endurance. The city run course brought incredible support from the local crowds, while having George, Lily and Freddie there cheering him on helped him push through to the finish.

An amazing performance:
🏊 2.4-mile swim: 1:38
🚴 112-mile bike: 6:05
🏃 26.2-mile run: 5:00

⏱️ Total time: 13:03:41

After more than 13 hours of racing, Dino crossed the finish line exhausted but with another incredible achievement under his belt.

Congratulations on an outstanding performance! 💪🎉

15/07/2026

🎤 Craig Hosts Local PFS Conference

We're proud to see Craig continuing to support the wider Financial Planning profession by recently hosting a local Personal Finance Society (PFS) conference.

Bringing together professionals from across the industry, the event provided an opportunity to share ideas, discuss current challenges and explore how Advisers can continue to deliver better outcomes for clients.

Supporting the profession beyond our own business has always been an important part of Penguin, and it's great to see Craig helping facilitate conversations that contribute to the future of Financial Planning.

A big thank you to everyone who attended and helped make the event such a success.

13/07/2026

📰 Dan Featured in Personal Finance Professional Magazine

We're delighted to see Dan featured in the latest edition of Personal Finance Professional magazine, where he highlights an Inheritance Tax exemption that is becoming increasingly relevant.

If you regularly find yourself with surplus income at the end of each month - whether from your Pension or other sources - you may be able to gift those excess funds on an ongoing basis. Provided certain conditions are met, these gifts can be made immediately outside of your Estate for Inheritance Tax purposes, meaning they do not use any of your Inheritance Tax allowances.

With the planned Inheritance Tax changes affecting Pensions from April 2027, this exemption is likely to become an increasingly valuable planning tool for many families.

Congratulations to Dan on another fantastic contribution to the profession and for helping raise awareness of an important Financial Planning opportunity.

Read the full article in Personal Finance Professional magazine here: https://pfp.thepfs.org/2026/06/25/iht-exemption-making-comeback

Address

2 Raleigh Walk, Brigantine Place
Cardiff
CF104LN

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 2pm

Telephone

+442920450143

Website

http://www.penguinwealth.com/

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