Advice that fits your life

Pension & retirement advice.

Retirement should offer freedom, not uncertainty. From building your pension pot to looking to draw from it, we help you take control with personalised, tax-efficient strategies that support the lifestyle you want – now and in the future.

HERE FOR THE DECISIONS THAT COUNT

Why it matters.

Your retirement deserves more than guesswork

The decisions you make today will shape your financial freedom for years to come. We help you build, manage, and access your pension in a way that supports your long-term goals.

A well-planned retirement gives you options

We guide you through your retirement choices – so you can make confident decisions about your future.

YOUR GOALS. OUR EXPERTISE.

What we help with.

End-to-end support for your retirement journey:

  • Building your pension – advice on contributions, tax relief, and long-term growth
  • Pension consolidation – bringing scattered pots together for simplicity and efficiency
  • Accessing your pension – structuring a long-term, sustainable income solution
  • Cash flow modelling – using advanced software to analyse how your income requirements could be sustained over the course of your retirement
  • SIPPs and complex solutions – including commercial property and business loans via pension schemes
  • Maximising tax efficiency – making the most of allowances and reducing unnecessary tax
  • Reviewing existing arrangements – identifying underperformance or outdated strategies

 

Whether you’re decades away or ready to retire, it’s never too early, or too late, to plan with purpose.

EXPERT ADVICE. PERSONAL SUPPORT.

Our approach.

Flexible strategies, tailored to you

Your retirement plan should reflect your personal goals, your attitude to risk, and your desired lifestyle. We take the time to understand all three.

Independent and experienced

Our Qualified Financial Advisers provide truly independent advice, built on years of experience across all types of pension arrangements, from standard personal pensions to complex SIPPs.
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Ongoing support as life changes

We don’t just advise once and walk away. We’re here to adapt your strategy as your needs, circumstances, or market conditions evolve.

EXPERT ADVICE. PERSONAL SUPPORT.

Our approach.

Compassion Icon

Flexible strategies, tailored to you

Your retirement plan should reflect your personal goals, your attitude to risk, and your desired lifestyle. We take the time to understand all three.

Independent and experienced

Our Qualified Financial Advisers provide truly independent advice, built on years of experience across all types of pension arrangements, from standard personal pensions to complex SIPPs.

Ongoing support as life changes

We don’t just advise once and walk away. We’re here to adapt your strategy as your needs, circumstances, or market conditions evolve.

Flexible strategies, tailored to you

Your retirement plan should reflect your personal goals, your attitude to risk, and your desired lifestyle. We take the time to understand all three.

Independent and experienced

Our Qualified Financial Advisers provide truly independent advice, built on years of experience across all types of pension arrangements, from standard personal pensions to complex SIPPs.
Compassion Icon

Ongoing support as life changes

We don’t just advise once and walk away. We’re here to adapt your strategy as your needs, circumstances, or market conditions evolve.

Your Goals. Our Expertise.

What makes our advice different?

Personal, not prescriptive
No two retirements look the same. Whether you’re aiming to retire early, ease into part-time work, or maximise your pension savings later in life, we shape our advice around what retirement means to you.

Long-term thinking, grounded in today
We help you make informed decisions now that support your future income, lifestyle, and peace of mind, without losing sight of life’s uncertainties along the way.

Truly independent, always on your side
As an independent firm, we’re free to recommend the right solutions for you. You can trust that every piece of advice is tailored, considered, and fully in your best interest.

Retire with confidence. Live with freedom.

Get in touch to explore how we can help you build and access your retirement savings with clarity and confidence. Key benefits:

  • Tax-efficient pension planning
  • Sustainable income strategies for retirement
  • Full pension reviews and consolidation advice
  • Access to advanced pension structures like SIPPs
  • Ongoing support from Qualified Financial Advisers
Robert Wilkinson
Guided by Robert Wilkinson, Independent Financial Adviser

Retire with confidence. Live with freedom.

Get in touch to explore how we can help you build and access your retirement savings with clarity and confidence. Key benefits:

  • Tax-efficient pension planning
  • Sustainable income strategies for retirement
  • Full pension reviews and consolidation advice
  • Access to advanced pension structures like SIPPs
  • Ongoing support from Qualified Financial Advisers
“Andrew provided my wife and myself with clear advice as to the options open to us. Following a full financial and risk analysis by Andrew I felt confident to engage Fogwill & Jones to provide a fully managed service. The service from them is excellent. They provide regular updates on their performance and hold reviews to ensure they understand any changes to our needs. They have always responded very quickly whenever I’ve had a query or sought advice. Their advice has always been clear and well communicated.”

R Latin

Step 1

Get in touch for a free consultation with one of our advisers. No commitments at this stage.

Step 2

We’ll share some initial thoughts and suggestions. You decide if you’d like to go ahead.

Step 3

Become a client and receive tailored, ongoing financial advice that grows with you.

READY TO TALK?

Get in touch.

Speak to our friendly team for expert advice, tailored to your goals.

Have a Question?

Get in touch.

Speak to our friendly team for expert advice, tailored to your goals.