Approaching retirement

Planning for your best years

As you approach your retirement years, the reality of what that means for you starts to settle in. After a life of working hard, a new stage of life awaits – one where you can truly take the time to enjoy the things you always dreamed of. But with it comes some natural uncertainties, and plenty of questions. Ones like: ‘When can it happen?’ ‘Do I have enough?’ ‘Will I run out of money later down the line?’

We’re here to help answer those questions and provide the peace of mind you need for a wonderful retirement. Our Independent Financial Planner, Andy Johnson, has more than 20 years’ experience in the industry, and has helped many people with their retirement planning needs.

Here’s how we’ll help…

  • We’ll find out what a brilliant retirement means to you. Between your preferred lifestyle and the items you want to check off your bucket list, we’ll build a picture of what you want from this period.
  • Using cashflow modelling technology, we’ll explore the ‘what-ifs’ of your potential financial futures, so we can plan for every eventuality and make sure your situation is sustainable.
  • If you’d like to be able to pass on some of your wealth, we’ll help with planning your estate in a tax-efficient manner, ensuring that as much of your money as possible goes to your loved ones.
  • Ultimately, we’ll act as your trusted partner for all your financial planning needs, so you’ll know that whatever the future holds, you and your family are supported.

Peter & Jenny,

Lower Broadheath

We moved to our present home in 2011 and decided that we needed expert financial advice. We had paid little attention to our retirement, but knew we needed help. Andy straight away put us at ease with his clear and easy way of explaining (jargon-free) what was needed to achieve the things we wanted to do in retirement. He looked at all our income streams and our outgoings to come up with a plan that would do this.

Expert financial advice is not cheap (good advice never is) and we have not been disappointed with that advice, or with him. His advice and support have enabled us to have a very fulfilling retirement, and the future is looking just as good. It is refreshing to find someone like Andy who is ethical, honest and caring in such a hard-nosed industry.



In 2014 I found myself with various pensions from former employers, but worried they might not add up to a decent retirement. I had been putting off doing anything about it, but finally started looking around for financial advice.

From the ones I found, Andy Johnson looked like someone I could get along with and trust. I was right! He listened to my needs, consolidated my various pensions into better performing funds, and formulated a plan to build my pension finances.


United Kingdom

When I reached 55 I was keen to find out my pension options; My initial need was to release cash to pay off my mortgage early, and while other IFAs had procrastinated on this issue, Andrew went the extra mile and made it happen. Paying off the mortgage has enabled us to enjoy more financial freedom and provided more clarity as to my personal future retirement plans, which I am able to review on a regular basis with Andrew.

Andrew's advice has been and continues to be empathetic, honest & reliable. He is a great example of a financial adviser who really does listen to my current circumstances and whose advice I genuinely can trust in all my financial matters.