With over 25 years’ experience in financial services, Julian formed Cilbenrick in 2004 and developed the Financial Management Programme to provide clients with access to a unique step-by-step approach to their financial planning. Julian has moved away from giving investment advice to focus on helping clients to create financial plans which help them to plan, achieve and then protect their desired lifestyles.

In August 2008, Cilbenrick re-located from the city centre in Swansea to the village of Southgate on the Gower peninsular where Julian grew up and still lives. Julian likes to spend most of his spare time with family and friends and looking after the smallholding on which he lives with Rhiannon and their two children, Sam and Anna.

Rhidian is responsible for Cilbenrick's investment advice. He has led the development of Cilbenrick's well-regarded and successful investment philosophy and strategy, through which clients' portfolios are diversified across a wide range of assets, in proportions appropriate to their investment objectives. Rhidian meets regularly with clients to review their portfolios and is pleased to meet prospective new clients to help them explore their investment options.

Rhidian is a member of the Personal Finance Society and holds the Chartered Insurance Institute’s Diploma in Financial Planning. He has passed exams at Advanced Diploma level and is working towards achieving Chartered status.

Rhidian began his career in financial services in 2002 following his graduation from Swansea University. He and his wife, Rachael, live in Cowbridge and are kept very busy by their three young boys, James, Rowan and Fraser.

Fraser began his career in financial services in 2011 with Lloyds Banking Group. He joined Cilbenrick as a Paraplanner in September 2015 with responsibility for research and analysis. He now combines this role with advising clients as a Financial Planner and Investment Adviser.

Fraser was awarded the Diploma for Financial Advisers by the Institute of Financial Services in 2016 and is now a member of the Personal Finance Society and holder of the Chartered Insurance Institute’s Diploma in Financial Planning. He is also working towards achieving Chartered status.

Fraser lives in Mayals with his wife Joanna and their two children, Finley and Imogen.