Business Details
14 Years
experience
Independent Retirement Financial Advisers
Established in 2012, The Pension Planner is a team of Independent Financial Advisers dedicated to simplifying retirement planning. Our mission is to provide jargon-free, client-centric advice that empowers individuals to achieve their ideal retirement lifestyle. With a team of experienced advisers operating nationwide, we specialise in retirement planning for both pre-retirees and those already retired. Our commitment to transparency and client satisfaction is reflected in our 5-star Trustpilot rating and near-perfect score in the FT Advisers Mystery Shopper feature.We follow a structured seven-step client journey, ensuring every recommendation aligns with individual goals while maintaining regulatory compliance through our FCA authorisation. Our services include pension analysis, income strategy development, and ongoing financial reviews tailored to personal circumstances.
Services
Retirement Planning
Pension Analysis
Income Strategy Development
Financial Reviews
Tax Efficiency Planning
Details
- Year established: 2012
Highlights and features
- We offer truly independent advice with no product restrictions
- Our 5-star Trustpilot rating reflects client satisfaction
- All advisers specialise exclusively in retirement planning
- Flexible consultation options including face-to-face and virtual meetings
- Regulated by the Financial Conduct Authority for complete transparency
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Highly rated
Retirement specialists
Trusted advisers
5-star rating
Services
Retirement Planning
We create tailored retirement plans using advanced financial tools. Our advisers assess your current pension arrangements and develop strategies to achieve your desired retirement lifestyle. Services include cashflow modelling and tax-efficient withdrawal planning.
Pension Analysis
Our comprehensive pension analysis evaluates existing arrangements against retirement goals. We identify gaps in provision and recommend adjustments to optimise pension performance. This includes assessing annuity options and drawdown strategies.
Income Strategy Development
We design sustainable income strategies balancing immediate needs with long-term security. Our approach considers state pensions, private pensions, and other assets to create reliable retirement income streams while managing investment risks.
Financial Reviews
Regular financial reviews ensure retirement plans remain aligned with changing circumstances. We monitor investment performance, legislative changes, and personal goals to maintain optimal financial strategies throughout retirement.
Tax Efficiency Planning
Our tax efficiency planning maximises retirement savings through strategic withdrawals and tax-advantaged investments. We help clients navigate complex tax rules to preserve wealth while maintaining compliance with HMRC regulations.
People
Andrew Hursthouse
Director & Independent Financial Adviser
Co-founder of The Pension Planner with specialist expertise in retirement planning. Brings extensive industry experience to client advisory services.
Nicholas Pratt
Director & Independent Financial Adviser
Co-founder with deep knowledge of retirement decision-making processes. Focuses on delivering client-centric financial solutions.
Shane Kao
Independent Financial Adviser
33-year financial services veteran providing bespoke retirement advice. Specialises in complex pension arrangements and tax-efficient strategies.
Craig Holland
Independent Financial Adviser
Nearly two decades of experience in financial planning. Offers face-to-face advice on mortgages and retirement strategies.
Dave Garforth
Independent Financial Adviser
25-year financial advisory veteran prioritising client-centric planning. Focuses on aligning financial strategies with personal circumstances.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including pension analysis, income strategy development, tax efficiency planning, and ongoing financial reviews.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 669563.
How do you charge for your services?
Our fee structure is transparent and discussed during initial consultations. Charges vary based on service complexity and client requirements.
Can you help with existing pension arrangements?
Yes, we analyse existing pensions to assess their effectiveness and recommend adjustments to better align with retirement goals.
Do you offer remote advisory services?
Yes, we provide advice through video calls, telephone consultations, and in-person meetings at convenient locations.
What makes you different from other advisers?
We specialise exclusively in retirement planning with a team of dedicated advisers operating nationwide while maintaining a client-first approach.
Reviews (4)
Ann Burchell
Jan 03, 2021
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Positive:Professionalism
I have been a client of The Pension Planner for more than two years and have found them to be a company of the highest professional standards. They keep me regularly updated in an easy and clear way, and if I have any questions they respond very promptly.
I have been a client of The Pension Planner for more than two years and have found them to be a company of the highest professional standards. They keep me regularly updated in an easy and clear way, and if I have any questions they respond very promptly.
Phil & Sue Shakeshaft
Dec 22, 2020
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Positive:Responsiveness
During the unprecedented times The Pension Planner team, Nick Pratt, provided clarification and reliable advice of the options available to protect our long-term investments. These calls have further proven that we made the right decision in choosing an established and trustworthy financial advisor.
During the unprecedented times The Pension Planner team, Nick Pratt, provided clarification and reliable advice of the options available to protect our long-term investments. These calls have further proven that we made the right decision in choosing an established and trustworthy financial advisor.
Ray Potts
Nov 28, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
I have been dealing with the Pension Planner team for some time now and they are always helpful, professional and responsive to any issues that I have and I look forward to a continuing mutually beneficial relationship .
I have been dealing with the Pension Planner team for some time now and they are always helpful, professional and responsive to any issues that I have and I look forward to a continuing mutually beneficial relationship .
Beverly Cross
Nov 15, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
The details of my investments are presented clearly and sent regularly.
The details of my investments are presented clearly and sent regularly.
