Pensions & retirement
Bring your existing pensions together on paper, understand the options and build a retirement income plan around the life you want to live.
Initial review: from £250
Independent financial advice · St Albans
Financial decisions deserve a clear explanation.
Independent, whole-of-market advice for pensions, investments and family protection — with the time to understand your choices before making them.
See how I can help ↓About
A straight answer, not a sales pitch.
I’m an independent financial adviser for people who want to make sound decisions without being talked at. Some clients come with a drawer full of pension paperwork; others are starting a family, selling a business or wondering whether retirement is genuinely within reach.
Whatever brings you here, the work starts with listening. I’ll explain the options, the trade-offs and the cost in plain English, then give you space to decide what feels right.
Services
Advice for the decisions ahead.
01 02 Investments
Build an investment approach that reflects your goals, your timeframe and the amount of market movement you can comfortably live with.
Ongoing advice: 0.5% of investments under management
03 Protection
Look at life cover, critical illness insurance and income protection so the people and plans that rely on you have a stronger safety net.
Protection review: from £195
04 Inheritance tax planning
Explore the allowances, gifts and longer-term choices that may help you pass more on to the people you care about.
Planning review: tailored quotation after the initial chat
How I work
A careful process, at your pace.
- 01Initial chat
A short conversation to understand what’s on your mind.
~30 min - 02Fact-find
We build a clear picture of your finances, goals and concerns.
~2 hours - 03Recommendation
You receive a written recommendation, with costs and reasons explained.
Within 2 weeks - 04Ongoing reviews
Where appropriate, we revisit the plan as life and markets change.
Annual
Local, but not limited
Based in St Albans, advising clients across Hertfordshire and beyond.
Meet in person, by video or on the phone — whichever makes the conversation easiest.
What to expect
Clear fees before you commit.
Every situation is different, so the exact cost is agreed before any chargeable work begins. These illustrations show how fees are commonly structured.
| Service | Illustrative fee | What it covers |
|---|---|---|
| Initial review | From £250 | A review of your position and next-step conversation. |
| Financial plan | From £750 | Research, a written recommendation and implementation support. |
| Ongoing advice | 0.5% p.a. | Regular reviews and ongoing portfolio oversight. |
Get in touch
Start with a conversation.
Tell me a little about what you would like to discuss. I’ll come back to arrange an initial chat at a time that suits you.
This is a sample site
This is a demonstration site built to show what a small-business website can look like — the contact form isn’t real. If you’d like to talk about a site like this for your business, get in touch with Cornerstone Sites.
Built by Cornerstone Sites · sample site, illustrative copy and images.
Example site for demonstration only. All content, credentials and fees are illustrative and do not constitute regulated financial advice. The value of investments can fall as well as rise.