Pensions and Investment advice

When do you want to stop working? What income will you need to be comfortable?

These days, most people do not want to have to rely on the state in retirement and want to be in control of their own retirement planning. Looking that far ahead is difficult but the earlier you start making provision for retirement the more you will build up.

Modern retirement planning offers many opportunities for accumulating funds to support yourself, and your dependents, in your old age:

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.



To encourage people to provide for their own retirement the government has made personal pension plans tax efficient and a very effective way of saving for the future. Pensions offer an unrivalled opportunity to save for your old age, with HMRC giving generous income tax rebates in the process.

However changes in legislation mean this can be a very complex area of financial planning. We will explain the options to you simply and in plain English to enable you to make an informed decision as to your pension needs.


Savings and Investments

If you’re looking to put money away to improve your future prosperity you need to either invest – buy a product with the aim that it will provide income in the future or go up in value to be sold at a higher value or save – conserve your money and hold it safe for future use.

We offer a wide range of investment services, from simple ISAs, to tax advantageous trust schemes; or perhaps finding the best Discretionary Fund manager to suit you.


Call us to discuss how we can help you build on your existing provisions, using tax-efficient solutions where possible, so that your money is available when you want to spend it.