Those planning to retire

It’s never too early to put a retirement plan in place, or too late to revisit those plans.

Retirement planning can be a complicated process and financial advice is crucial if you want to be sure you’re making the right arrangements for yourself. Working with us, you will be able to gain confidence that you are investing enough to allow you to retire when you want. And that those investments will allow you to live the kind of retirement lifestyle you desire. You will also gain peace of mind that investments are well-matched to risk profile and that your aims for retirement are achievable.

How we help...

Cashflow planning

With the help of sophisticated cashflow planning tools, we’ll help answer questions such as:

  • When will I be able to retire?
  • How long will my money need to last?
  • Am I on track to have enough?
  • Will my lifestyle and spending habits need to change when I’m retired?

We’re here to help you identify what you want to achieve with your money, and how to get the most out of it.

Retirement planning

There is far more flexibility around retirement planning than there once was. It’s no longer the case that work needs to end completely overnight: it can be a phased transition with a blend of work and time spent achieving your other life aims. We’ll help you explore all the options and work out what’s right for you.

Reviewing your pension options

Do you currently have several different pension pots you don’t know what to do with? Will your current pension arrangements be enough to meet your retirement income needs? Should you be saving and investing more? If you’re confused by your pension options, let us translate it all into plain English and help you work out which is the right path for you.

Tax efficiency

We will help you understand the tax implications of different pension arrangements and ensure you are benefiting from all the available tax advantages.


Investing often forms a part of the solution we recommend to clients. We provide independent advice on a range of investments and have access to solutions that we tailor to each client’s individual needs and risk profile.

Read more about our approach to investing.


No one likes to think about dying or being seriously ill, but by planning ahead you can minimise the devastating impact these events could have on your finances and those you love.

What our clients say

Paul and Ros Main

“Steven gave us confidence, we have a sense of trust with him.”

Read thier story

Taking in the big picture

Our first job is to listen to you so that we can thoroughly understand your current financial challenges and concerns. Then we’ll turn our attention to the future and how we can help you reach your goals.

Your client journey