Simple Financial Advice

Business Details

Expert Pension & Retirement Advice in Congleton

At Simple Financial Advice, we bring over 80 years of combined experience to deliver independent, transparent financial guidance tailored to your retirement needs. Our team of specialists, with backgrounds as advisors, consultants, and trainers, focuses on simplifying complex pension arrangements and optimising retirement income strategies. We pride ourselves on our FCA authorisation, Pension Transfer Gold Standard accreditation, and a client-centric approach that eliminates jargon and hidden costs.

Our fixed-fee model ensures affordability without compromising expertise, and our 100% client satisfaction rate reflects our commitment to clarity, ethical practice, and long-term support. By prioritising your best interests, we help you navigate pension reviews, transfer decisions, and retirement planning with confidence, ensuring peace of mind for your financial future.

Services

Pension Reviews Retirement Income Planning Pension Transfer Advice Defined Benefit Consultation Defined Contribution Planning

Highlights and features

We offer over 80 years of combined experience in pension and retirement planning
Our fixed-fee pricing model ensures complete transparency with no hidden costs
FCA-authorised and regulated for your protection and peace of mind
Awarded the Pension Transfer Gold Standard for ethical advisory practices
100% client satisfaction rate with proven track record of successful outcomes

Associations and certifications

Pension Transfer Gold Standard

What people say

Simple solutions Transparent pricing Expert guidance Peace of mind Personalized approach

Website

Update Listing

Services

Pension Reviews

Our comprehensive pension reviews analyse your existing arrangements to ensure they align with your retirement goals. We evaluate defined benefit and defined contribution schemes, assess risk tolerance, and identify opportunities for consolidation or optimisation. With FCA-regulated expertise, we provide clear recommendations in plain English to help you make informed decisions about your financial future.

Retirement Income Planning

We create tailored retirement income strategies that balance sustainability with lifestyle needs. Our approach considers tax efficiency, investment performance, and longevity to maximise your available income. Through detailed fact-finding and scenario analysis, we help you navigate complex pension options and implement solutions that provide financial security throughout retirement.

Pension Transfer Advice

Specialising in defined benefit pension transfers, we provide expert advice on relinquishing safeguarded benefits. Our Pension Transfer Gold Standard-accredited team conducts thorough impact assessments, comparing guaranteed benefits against potential alternatives. We ensure you fully understand the implications of transferring while maintaining compliance with FCA regulations and your long-term financial objectives.

Defined Benefit Consultation

We specialise in evaluating defined benefit pension schemes, including final salary arrangements. Our consultation service explains complex benefit structures, calculates cash equivalent values, and assesses whether transferring aligns with your circumstances. With specialist FCA permissions, we provide impartial advice to help you make technically sound decisions about your pension entitlements.

Defined Contribution Planning

Our defined contribution planning service optimises personal and workplace pension pots through strategic investment management. We review fund performance, adjust risk profiles, and implement withdrawal strategies tailored to your retirement timeline. By consolidating multiple arrangements, we simplify your portfolio while maximising growth potential for long-term financial security.

People

John Wilkinson

Managing Director and Advisor

With extensive experience as a financial advisor and consultant, John leads our team in delivering independent pension advice. He specialises in simplifying complex retirement planning challenges and was recognised as a Top Rated Adviser in VouchedFor's 2022 guide.

Steve Davis

Pension and Tax Specialist

Steve provides expert guidance on pension taxation and regulatory compliance. His specialist knowledge ensures clients receive technically accurate advice that aligns with current legislation while optimising their retirement income strategies.

Mark Thewlis

Pension and Tax Specialist

Mark combines technical pension expertise with clear communication, helping clients understand complex financial arrangements. Clients consistently praise his ability to explain retirement planning concepts in accessible terms while delivering practical solutions.

Leanne Holford

Office Co-ordinator

Leanne ensures seamless client service delivery through efficient coordination of advisory processes. Her organisational expertise supports our commitment to providing timely, responsive financial guidance across all client interactions.

Andrea Fryer

Senior Administrator

Andrea manages critical administrative functions that support our advisory services. Her attention to detail ensures accurate documentation and smooth implementation of pension reviews and transfer recommendations for our clients.

Questions

What pension services do you offer?

We provide pension reviews, retirement income planning, defined benefit transfers, and defined contribution management with transparent fixed fees.

Are you regulated by the FCA?

Yes, we're FCA-authorised and regulated under reference number 456653 for pension and financial advice services.

How do your fees work?

We use clear fixed-fee pricing with no hidden costs or commission-based products, ensuring complete transparency.

Can you help with final salary pensions?

Yes, we're specialists in defined benefit pension transfers with Pension Transfer Gold Standard accreditation.

Do you offer ongoing support?

We provide optional continuous advice and review services to adapt your pension arrangements as life changes.

How do consultations work?

Initial consultations occur via phone or video call, followed by detailed written reports explaining recommendations in plain English.

Reviews (4)

Write a Review

Peter Hurst

Dec 27, 2021 Report

We needed to review our pension portfolio prior to retirement, especially working our whether to retain one or both of our defined benefit schemes. A 'regulated' type review was required if we were to shift funds out DB schemes. Everything was conducted professionally over video conference calls. We received good clear advice taking us step by step, developing our understanding and helping us to reach our own conclusion in line with Mark's recommendation. Happy with the outcome.

David Dedman

Aug 25, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
If you ever require Pension advice then Simple Financial Advice are the people to contact. They are professional and understanding of your needs and take the time to go through every aspect. They help you understand the complexities and answer your questions in a clear and precise manner. I would thoroughly recommend them.

Bill Ebdon

Aug 17, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Good, straightforward financial advice delivered by very approachable professionals giving excellent value for money.

Gina Wernham

Jul 16, 2021 Report

Positive:Professionalism,Quality
I contacted Simple Financial Advice for assistance with my pension, they were very helpful and I have put my pensions in one place with their professional, good quality service. If you need help with your pension I would highly recommend them.