Roberts Keen Independent Financial Advisers Ltd

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Roberts Keen Independent Financial Advisers Ltd Fully Independent Financial Advisers based in South Wales. Appointments available anytime day or ev Appointments available anytime day or evening.

Celebrating 10 years of Roberts Keen! 🥂A whole decade of helping clients, building relationships and doing what we love,...
16/10/2026

Celebrating 10 years of Roberts Keen! 🥂

A whole decade of helping clients, building relationships and doing what we love, and we couldn’t have reached this milestone without you.

To our wonderful clients, thank you for trusting us over the past 10 years. And to everyone who has recommended us to a friend, passed our name on to family or supported us along the way, thank you. Those personal recommendations mean the world to us, and we never take that trust for granted.

We’re incredibly proud of the relationships we’ve built, the brilliant team behind Roberts Keen and all the people who have been part of our journey so far.

Here’s to 10 years of memories, milestones and making a difference, and to the next chapter! 💚

You don’t need to have it all figured out before speaking to a financial adviser. That’s what the first conversation is ...
12/10/2026

You don’t need to have it all figured out before speaking to a financial adviser. That’s what the first conversation is for. 💬

Perhaps retirement has been on your mind, you’re thinking about your family’s future, or you simply want a clearer understanding of your finances.

At Roberts Keen, we start by listening. We’ll talk about your circumstances, what matters to you and what you’d like help with, giving you space to ask questions along the way.

We’ll also explain the next steps and any fees before you decide whether to proceed, so you can take the time to consider your options.

Swipe through for a look at what your first meeting could involve. ➡️

Ready to start the conversation? Message us to arrange a chat with Matthew at our Merthyr Tydfil office.

Absolutely love getting images like this! ❤️we’re delighted to be able to support Keston Griffiths and with their train...
07/10/2026

Absolutely love getting images like this! ❤️we’re delighted to be able to support Keston Griffiths and with their training gear! Looking sharp! Keston is doing amazing things with his goalkeeping academy! Thank you for allowing us to be part of your journey! ! 🥅 ⚽️ 🧤

Your goals. Our advice. 🤝🏼Buying a home, planning for retirement, protecting your family or thinking about what you’ll l...
06/10/2026

Your goals. Our advice. 🤝🏼

Buying a home, planning for retirement, protecting your family or thinking about what you’ll leave behind, your financial plans should reflect what matters to you.

At Roberts Keen, we take the time to understand your circumstances, explain your options and help you plan your next steps with clear, personal advice.

Swipe through to explore how we can help ➡️

Not sure where to start? Speak to Matthew at our Merthyr Tydfil office. A conversation about where you are now and what you’d like to achieve is a good place to begin.

📞 07832 379381
📧 [email protected]

*Investment values can fall as well as rise.
*You may get back less than you invest.
*Your home may be repossessed if you do not keep up repayments on your mortgage.
*Inheritance tax planning is not regulated by the Financial Conduct Authority.

🏡 Mortgage Tip Tuesday | Mortgage rates have moved quickly — so don’t assume last month’s deal is still availableThere’s...
06/10/2026

🏡 Mortgage Tip Tuesday | Mortgage rates have moved quickly — so don’t assume last month’s deal is still available

There’s been a significant change in the UK mortgage market over the past few weeks.

According to Moneyfacts⁠, the average five-year fixed residential mortgage rate has now reached 6.00%, its highest level for around three years. The average two-year fix is close behind at 5.98%.

Perhaps even more striking is what’s happened to deals below 5%.

At the beginning of September there were 1,494 fixed mortgage products priced below 5%.

By 5 October, Moneyfacts counted just nine.

Why have rates risen when Bank of England Bank Rate hasn’t changed?

Because fixed mortgage rates aren’t determined by Bank Rate alone.

Lenders also look at swap rates and wholesale funding costs, and these have risen amid volatility in bond markets and concerns that higher energy prices could keep inflation elevated.

But there is an important point behind those headline averages:

6% doesn’t mean every borrower will pay 6%.

The rate available to you will depend on things such as your loan-to-value, borrowing requirements, credit profile, mortgage term and individual lender criteria. There are also lenders still making selective reductions — Accord Mortgages, for example, has reduced its new-business fixed range by 0.10 percentage points from today.

💡 The Roberts Keen tip

If your mortgage deal ends within the next six months, don’t wait for the expiry date before looking at your options.

Starting early can allow us to:

🔍 Review your existing lender’s product-transfer options
🏦 Compare them with the wider mortgage market
🔒 Consider securing a suitable deal in advance
📉 Keep the position under review if pricing subsequently improves

Mortgage rates can move in both directions, and recent weeks are a good reminder of how quickly the market can change.

At Roberts Keen IFA, we can review the options available for your individual circumstances and help you decide what makes sense rather than trying to guess where rates might be in a few months’ time.

📞 Mortgage deal ending in the next six months? Now is a sensible time to start the conversation.

Roberts Keen IFA
Independent financial advice, built around you.

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage rates and availability depend on individual circumstances and lender criteria.

Market information checked Tuesday 6 October 2026 against the latest UK mortgage-market data.

Meet Matthew, the face behind our Merthyr office 👋🏼A financial adviser, dad of three and a golf enthusiast (or better kn...
01/10/2026

Meet Matthew, the face behind our Merthyr office 👋🏼

A financial adviser, dad of three and a golf enthusiast (or better known as a bunker connoisseur) here’s a little more about the person you’ll find behind the desk.

Matthew is one of three directors at Roberts Keen IFA, working alongside Lindsay Roberts and Paul Gilbertson. Together, they offer independent financial advice with the personal service that comes from knowing the people you’re working with.

Away from the office, family life is a big part of Matthew’s world. His children definitely keep him busy outside of work! 🤣

Matthew has worked in financial services since 2004 and has been an adviser since 2008. He initially trained to become an accountant, but soon realised it was the conversations and working with people that he enjoyed most.

That interest in people still shapes the way he works today. Helping someone untangle their money worries, and hearing “that was easier than I thought”, is one of the most rewarding parts of his job. Getting to know you, understanding what matters to you and making room for your questions comes first.

His approach? Keep things clear, be approachable and make financial planning feel as straightforward as possible. From your first conversation to putting a plan in place and reviewing it over time, the focus is on advice that fits your circumstances and goals.

So, whether you’re meeting Matthew for the first time or already know him, there’s a little more about the person behind the advice 😊

Have a question you’ve been putting off? Start with a conversation 💬

28/09/2026

☕ Monday Financial Thought | Do you know your “number”?

Not your pension value. Not your mortgage balance. Not your savings

The number I mean is:

How much income would you actually like each month when you stop working?

It’s an obvious question, but many people spend years paying into pensions without ever turning the conversation around and asking what those pensions are ultimately supposed to provide.

A useful exercise is to think about your future monthly spending:

🏡 Will the mortgage be gone?

🚗 What will you need for cars and household costs?

✈️ How much would you like for holidays and enjoying retirement?

💷 Will you have other income alongside your pensions?

Once you have an idea of the lifestyle you want, you can work backwards and ask the much more useful question:

“Am I currently on track to afford it?”

💡 The Roberts Keen view

Retirement planning shouldn’t start with a pension product.

It should start with the life you want your pensions to pay for.

Knowing your number gives all those pension statements and investment values a purpose.

At Roberts Keen IFA, we help clients bring their pensions, investments and retirement plans together and turn them into a plan for the future.

Roberts Keen IFA
Independent financial advice, built around you.

The value of pension investments can fall as well as rise and you may get back less than you invested. Tax treatment depends on individual circumstances and may be subject to change.

23/09/2026

Supporting a local business online does a lot more than just make their notification tab look busy 👀

Every interaction sends signals to the platform that people are interested in that content. The more genuine engagement a post gets, the better chance it has of being shown to more people, which can mean more reach, more profile visits and ultimately more potential customers.

A like shows interest.

A comment creates stronger engagement and keeps the conversation going.

A share can put that business directly in front of a brand new audience.

A follow tells the platform you want to see more from them.

And a recommendation builds something even more valuable: trust.

For small and local businesses, those tiny actions can genuinely make a difference, and they cost absolutely nothing 🤍

So if you love a local business, don’t just scroll past. Engage with them. It helps more than you probably realise.

Save this as your reminder to support small ✨

22/09/2026

🏡 Mortgage Tip Tuesday | Don’t assume your mortgage rate will follow Bank Rate

The Bank of England kept Bank Rate at 3.75% last week — but there was an interesting detail behind the decision.

The vote was 6–3, with three members actually voting to increase Bank Rate to 4%. The Bank is concerned that higher energy prices could keep inflation elevated for longer.

For mortgage borrowers, however, there’s another important point.

The Bank of England says quoted two-year fixed mortgage rates are now around 0.95 percentage points higher than they were before the recent Middle East conflict.

Why have mortgage rates moved when Bank Rate hasn’t?

Because fixed mortgage rates aren’t priced purely on today’s Bank Rate.

Lenders also look at financial-market expectations about where interest rates could be heading. If markets begin expecting higher rates in the future, mortgage pricing can move before the Bank of England changes anything.

That means waiting for the next Bank of England meeting before reviewing your mortgage isn’t necessarily the best strategy.

💡 The Roberts Keen tip

If your current deal ends within the next six months, consider starting the conversation early.

That gives you time to look at:

🏦 What your existing lender can offer
🔍 Alternatives across the mortgage market
💷 Product fees as well as the headline rate
📉 Whether your loan-to-value has improved
📅 The right fixed-rate period for your circumstances

The objective isn’t to perfectly predict where interest rates are going.

It’s to make sure you’re ready when your current mortgage deal ends.

At Roberts Keen IFA, we can review your existing lender alongside alternatives from across the mortgage market and help you decide which option is appropriate for you.

📞 Mortgage deal ending in the next six months? Get in touch.

Roberts Keen IFA
Independent financial advice, built around you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Figures checked on 22 September 2026 against the Bank of England's September Monetary Policy Summary⁠.

20/09/2026

🌿 Sunday Financial Thought | When did you last check your beneficiaries?

Pensions, life insurance and death-in-service benefits can all form an important part of your family’s financial planning.

But there’s one small piece of paperwork that’s surprisingly easy to forget:

Who have you nominated to receive the benefits if you die?

Life changes. You may have married, divorced, had children or grandchildren, or simply completed the original paperwork many years ago.

That makes it worth periodically checking:

👨‍👩‍👧 Your pension beneficiary nominations
🛡️ Life assurance arrangements
💼 Death-in-service benefits through work
📜 Your Will and wider estate planning

An old nomination doesn’t necessarily determine who ultimately receives a pension death benefit, as scheme rules and trustee/provider discretion can apply — but keeping your wishes up to date can be extremely helpful.

💡 The Roberts Keen view

Financial planning isn’t only about what happens during your lifetime.

Sometimes one of the most useful jobs you can do is simply make sure the people and organisations involved know what you would want to happen afterwards.

It only takes a few minutes to check — and Sunday might be a good day to add it to the list. 👍

Roberts Keen IFA
Independent financial advice, built around you.

Pension and estate-planning rules can be complex and depend on individual circumstances. Tax treatment and legislation may change.

Address

4 John Street
Merthyr Tydfil
CF470AW

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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