Martin McCudden, PKM Financial Services Ltd

My name is Martin McCudden and I’ve been a Financial Adviser for over 20 years. PKM Financial Services Ltd, is based in Llandudno and Kinmel Bay, North Wales and serves individuals and businesses across Mid and North Wales. They are an associated Partner Practice of St James’s Place Wealth Management.
As you may be aware, a lot of the UK Banks, such as Santander, Halifax, Barclays, Lloyds, Nat West etc, have finished their Financial Advisers and made them redundant, or greatly reduced the one to one service now only available to high net worth customers, so if you find you have been left high and dry and have investments with the bank and no-one to discuss them with then just give me a call. There’s no cost for the initial discussion to give you an idea of what a hands on Wealth Manager can do for you. In the past I’ve worked as a Financial Adviser for both Lloyds and HSBC as well as specialising in organisations affiliated to the teaching fraternity.

The advice available can range from more complex needs such as pension or investment and wealth planning to more straight forward, but equally important, life insurance for the family and to financially protect your loved ones or to cover the mortgage debt, whether it be on a personal or business basis. Complex estate planning is also available such as trusts, wills or inheritance tax mitigation. Many other needs can be met, such as arranging your mortgage.


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The initial consultation is at my own cost and there’s no obligation.

I offer a variety of financial services to individuals and businesses, which is designed to suit any budget. I will look to tailor a bespoke solution to fully meet your financial needs and aspirations. In short I look to save, make, or protect your wealth and your welfare.

The initial consultation is free and gives the customer a chance to discuss and question me on all areas of financial planning that further information may be required on.

To help in this journey, I will ask questions to more fully understand and determine what your needs and aspirations are. This is called a fact find in the industry.

If you are happy with the service offered, this initial meeting then allows me to return at a second meeting to present my thoughts and recommendations pertinent to your needs.

Qualified to a high standard and holding industry recognised qualifications, I have many years in the industry and I’m able to help and analyse the needs of my customers and provide sensible solutions, all at a time to suit them in the comfort of their own homes. People are busy, they work all day, it’s hard to get time out for a review, it’s a common challenge so flexibility of the adviser is key.

There is often confusion as to what is the difference between an Independent Financial Adviser IFA or Financial Adviser or Financial Planner. Even the spelling of the words can differ, is it financial adviser or financial advisor or independent financial advisor. To briefly explain there is only one, as there is only one solicitor who may then choose to specialise in different areas. When it comes to the tag of independent this means they have unrestricted access to just about every financial provider in the UK market and beyond, so the advice itself may be the same as a financial adviser but the product to match that need may be from a different provider. Some people like Heinz beans some people like Branstons, but they’re both beans ! A restricted financial adviser can be restricted to a few companies or even tied to just one, such as a bank adviser perhaps offering only one provider, their bank ! Sometimes although restricted the financial adviser may still have access to a vast array of companies and their products which are then distilled down into what we in the industry call a white list. The list will consist of providers that have been researched in depth and the financial adviser knows their products to a very high degree and has chosen to use their range over another provider which they felt were perhaps offering less competitive or less flexible cover or product. It is this range I fall into. We are termed as restricted advice.

The needs vary depending where a client is on their life cycle or indeed their business. The needs can range from protection needs such as life insurance or critical illness cover to savings needs such as investments and ISA plans or general wealth management to even tidying up old pension plans you may have amassed from different jobs in the past. Other areas may include personal pensions, mortgage advice, wills and funeral planning. Business protection needs could be keyman assurance or business term assurance or Key person cover, a relevant life plan as well as wider needs such as auto enrolment or group pension planning. I’m getting a lot of queries currently where folk have investments in their bank but there’s no adviser to speak to or have a review face to face with.

Advice on Help to Buy Wales and how to apply is also available.

Your home may be repossessed if you do not keep up repayments on your mortgage. Past performance is not a guide to future performance and the capital value of your investment and any income from it can go down as well as up.

PKM Financial Services Ltd is an associate Partner Practice of / and an Authorised Representative of St. James’s Place Wealth Management who in turn are authorised and Regulated by the Financial Conduct Authority. The Financial Conduct Authority (FCA) regulates the financial services industry in the UK, you can check our authorisation and permitted activities on the Financial services Register by visiting the FCA’s website www. Fca. Org. Uk/firms/systems-reporting/register or by contacting the FCA on 0800 111 6768.


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Key Products

Auto Enrolment

Childrens Savings

Commercial & Small business

Critical illness cover

Estate Planning

Group Pension Schemes

Investments & Savings

Keyman Assurance

Life Cover

Mortgage Advice

Partnership Assurance

Pension Planning

Relevant Life Plans

Shareholder Protection

Wealth management

Key Services

Auto Enrolment

Critical illness cover

Discretionary Fund Management

Estate Planning

Financial Adviser

Group Pension Schemes

Inheritance Tax

Investing for growth

Investing for income

Investment Bonds



Junior ISA’s

Long term care


Offshore investments

Partnership Assurance

Pension Consolidation

Pension Planning

Planning your retirement

Relevant Life Plans


Shareholder Protection


Tax mitigation

Unit Trusts

Wealth Management

CII – Chartered Insurance Institute
PFS – Personal Finance Society


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Hyde Park
Kinmel Bay


LL18 5FN


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