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Retirement Planning & Pensions


Whatever you want from your retirement, you’ll want to enjoy it free from financial worries. Even if it’s still some years away, it’s never too early to start planning – in fact, the sooner the better!

Whether using  Personal Pensions, SIPPs, Annuities, ISAs, a property portfolio, Unit Trusts, Offshore Bonds, Cash Accounts or even VCT, EIS, and OEICS. the onus is now on the individual to accumulate a large savings pot with which to generate or convert to income.

To schedule a consultation, click below and we can find the best option for your circumstances.




We provide Independent and Impartial advice to help you make the right investment decisions to meet your objectives.

When an important decision needs to be made, or when planning becomes complex, we are on hand with our professional, helpful advice.


Advice is usually invaluable as it saves time, effort and gives you peace of mind.


We can make personal recommendations based on your circumstances and financial goals by updating your investments and restructuring your portfolio.

Annuities V Drawdown
If you have a private pension then you can purchase an "Annuity" in return for your pension pot and receive a regular income for the rest of your life. Many people commencing retirement still buy an annuity option offered to them by their current pension provider. In many cases, this may not be the best option.

Alternatively you can enter into "Flexi - access Drawdown" leaving your pension invested while taking a regular income. This approach does have investment risk attached to it and if withdrawals are not taken sustainably you could run out of money from your pension in retirement. 


To consider these very different approaches  please schedule a consultation, click left and we can find the best option for your personal circumstances.



Pension Transfers


Legislation created in 2015 called "Pension Freedoms" has radically altered the way we think about pensions and planning. No longer are pensions just for income in retirement but can now be accessed for a variety of reasons without limits in most cases.

If you have pensions from previous employment or older personal pensions we can advise you of their benefits and see if those benefits could be enhanced or provide an alternative source of funds available for you to use earlier. Costs in running the scheme could also be lowered.

A pension is a long term investment.  The fund value may fluctuate and can go down.  Your eventual income may depend upon the size of the fund at retirement, future interest rates & tax legislation.


To schedule a consultation, click Right and we can find the best option for your circumstances.

BTL Mortgages 


We offer advice across various types of UK mortgages, although we now focus predominantly on  Buy-To-Let mortgages. Whether you’re uncertain about the options available to you, or you know exactly the type of product you are looking for but just want the best rates, why not challenge us to find the best option for your circumstances.


To schedule a consultation, click below and we can find the best option for your circumstances.

Equity Release


​If you're in or near retirement you could consider using equity release to access some of the money tied up in the home, without the need to move. You can release a tax free cash lump sum or set up access to a flexible borrowing facility.


To schedule a consultation, click below and we can find the best option for your circumstances.

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