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Daniel Hughes

Financial Planning Consultant DipPFS in Tavernspite

A little bit about Daniel

Financial planning doesn't have to be overwhelming. With a personalised approach tailored to your unique goals, I'll help transform financial stress into confidence and excitement. Whether it's streamlining pensions, planning for retirement, growing savings, or reducing tax burdens, I'm here to help you secure your financial future and give you the peace of mind you deserve.

Growing up on a farm in West Wales, I learned the importance of hard work, integrity, and community. I'm proud to service clients across Pembrokeshire, Carmarthenshire, Ceredigion, and the surrounding areas. While my roots are firmly planted in Wales, I now offer my dedicated financial planning expertise to clients throughout the UK, combining local values with national reach to help you achieve your financial aspirations.

Find out more about me below.

Start the conversation

Your money won’t reach its goal unless it has a direction. But with a plan, it can work towards something better. I can help.
Contact me today

An adviser’s insight

Money needs a plan. Here’s where to start

Money doesn’t make decisions on its own. Left sitting in cash, it quietly loses value. That’s why money needs a plan. It’s not about being wealthy or knowing all the answers – it’s about giving your money direction. And in the UK, many people miss out simply because they don’t take that first step.

  • Most people in the UK save sporadically or leave money sitting in cash – missing out on growth.
  • Planning gives peace of mind. It turns uncertainty into clarity.
  • The earlier you start, the more powerful the impact – but it’s never too late.
  • Quilter’s purpose is to help build brighter financial futures. That starts with a plan.
  • Investing always carries risk. The value of investments can go up and down and you may get back less than you invested.

Making your money work for you

Why investing matters

  • Lazy money loses value over time – inflation chips away at it.
  • Investing little and often helps your money grow without needing to be an expert.
  • A plan helps you stay focused and avoid reactive decisions.

Inflation and ‘lazy money’

  • Inflation quietly erodes the value of your savings.
  • £10,000 in cash today could be worth significantly less in 10 years.
  • Investing helps protect your money from inflation and grow it over time.
Ready to build your plan? Contact me using the details above.

Services

Business Services & Protection

Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.

General Insurance

Home contents insurance, buildings insurance.

Holistic planning

Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.

Income Protection

Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.

Investments

Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.

Pensions

Expert advice to help provide comfort in your retirement.

Protection

Whole of life and term assurance protection, private medical arrangements, critical illness insurance.

Dental & Medical

Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.

Qualifications

Diploma in Regulated Financial Planning

  • The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.

Certificate in Mortgage Advice

  • The Certificate in Mortgage Advice (Level 3) meets the FCA standards for mortgage advisers. It develops an understanding of the sector and the mortgage process, and enables advisers to meet individual client needs.

Certificate in Advanced Mortgage Advice

  • The Certificate in Advanced Mortgage Advice surpasses the FCA’s qualification requirements, allowing mortgage advisers to enhance their advisory skills and cater to clients with more complex needs and situations.

Location

Daniel's location

Tavernspite
Dyfed Wales
SA34
United Kingdom

Daniel is located in near Narberth and is also serving Pembrokeshire, Carmarthenshire, Ceredigion and the surrounding areas.

More about me

Growing up on a farm in West Wales taught me the importance of hard work and community - values that continue to shape both my professional and personal life. With several years of experience as a futures trader in the financial markets, I discovered my true passion lies in helping people directly with their finances. Now, as a fully qualified Financial Adviser holding a Diploma in Regulated Financial Advice and proud member of the Chartered Insurance Institute (CII), I combine industry insight with practical knowledge to serve my clients.

I'm a passionate believer that everyone deserves peace of mind about their financial future. By taking time to fully understand your situation and goals, we can get to the heart of what really matters to you. Whether you're looking to simplify pension and retirement planning, ensure your money works harder through smart investments, maximize tax breaks and allowances, or build long-term financial security, I provide clear and supportive guidance every step of the way.

Outside of work, I stay active through rugby, golf, CrossFit, and walks along the Pembrokeshire coastal path with my girlfriend Holly and our dog, Pippa. Whether I'm supporting hardworking people like you, or enjoying a pint down the local pub, building genuine connections is at the heart of what I do.

Together, we can simplify your finances and put robust plans in place to secure your future, letting you focus on what you do best.

The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.

Quilter Financial Planning Network only: This financial promotion was approved by Quilter Wealth Ltd, Quilter Financial Services Ltd, Quilter Mortgage Planning Ltd, Quilter Financial Ltd, Quilter Financial Planning Solutions Ltd & Lighthouse Advisory Services Limited on 01 August 2022.