Planning Your Retirement with Confidence

Are you approaching retirement and wondering if you can afford to stop working? As a Chartered Fellow with over two decades of experience, I help clients throughout Cumbria and the UK plan their retirement with clarity and confidence.
Book your complimentary initial meeting today – available in my Wigton office, by Zoom, or telephone.

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Why Choose an Independent Adviser?

Unlike advisers tied to specific platforms or products, I’m completely independent. This means I can recommend the best solutions for you – not what’s best for a particular company.

Pension Services 

For over 20 years, I’ve been helping people like you answer the most important question: “Can I afford to retire?”

I understand that retirement isn’t just about numbers on a spreadsheet. It’s about:

• Taking that dream holiday you’ve been planning
• Spending time with family and grandchildren
• Maintaining your lifestyle without financial worry
• Leaving a legacy for those you love

I provide pension advice on the following - Pension reviews - Money purchase pension planning - Pension consolidation and drawdown strategies - Tax-efficient withdrawal planning.
Retirement Income Planning - Creating sustainable income throughout retirement - Balancing annuities and drawdown - State pension timing strategies - Income replacement strategies 

Book a complimentary meeting to discuss your needs 

Financial Services

The financial services I offer are designed to help you build a brighter more financially secure future. Having been a financial adviser in Cumbria for over 20 years, I understand the difficulties of financial management. For those looking to build their wealth, I can advise on a range of wealth planning strategies, including wills, investment and trust formation. I also offer advice on financial planning, including savings and investments, taxation,  personal and business protection.
This is the start of our journey together, to prepare the plan to meet your goals, to ensure that you, your family and your assets are protected, and to help you build a brighter, more secure future. If you are interested in financial services, then feel free to contact me to arrange a call or meeting in in person. Our office is based in Wigton and we offer financial services across the Cumbria region, including Carlisle, Whitehaven, Workington, and Penrith.

Investment Management - Multi-asset portfolios tailored to your risk profile - Ethical and sustainable investment options - Regular reviews to keep you on track - ISA and tax-efficient investing

My Typical Clients

You’re likely a great fit if you:

Are aged 55 or over and thinking about retirement

• Have pension funds of £250,000 or more
• Are planning to retire within the next year (or recently retired)
• Want independent, expert advice – not a one-size-fits-all solution
• Live in Cumbria or anywhere in the UK

Particularly Experienced With:

Sellafield Workers – I understand the specific pension schemes, both final salary and money purchase arrangements, and can help you navigate the unique considerations of retiring from the nuclear industry.
/ Couples Planning Together – Many of my most successful client relationships are with married couples who’ve both built substantial pensions and want to coordinate their retirement timing and income so they can retire together.

Why Clients Choose Me

• Over 20 Years’ Experience – I’ve guided clients through multiple market cycles and life changes

• Truly Independent – Not tied to any platform or product provider, giving you genuine choice
• Chartered Fellow Status – (FCSI, DipPFS)
• FCA Regulated – Fully authorised and regulated (reference RAC01159) under Throgmorton Private Capital (FCA 431157)
• Long-Term Relationships – Many clients have been with me since I started my practice nine years ago
• Flexible Meeting Options – Office appointments in Wigton, Zoom calls, or telephone consultations
• Local Knowledge – Based in Cumbria, I understand the local employment landscape and pension schemes

How We Work Together

Your Journey to Retirement Confidence

1. Complimentary Initial Meeting Book online using my Calendly system. We’ll discuss your situation, goals, and concerns with no obligation.
2. Comprehensive Review I’ll analyse your pensions, investments, and overall financial position to understand your complete picture.
3. Bespoke Recommendations You’ll receive clear, personalised advice on when you can retire, how much income you can take, and the best strategies for your circumstances.
4. Implementation I’ll handle the paperwork and coordination with providers, making the process smooth and straightforward.
5. Ongoing Support Annual reviews ensure your plan stays on track as your life and the markets change.

Transparent Fees
My fees are competitive and clear:

• Initial advice fee: Up to 3% 
• Ongoing service fee: 0.75% annually

You’ll know exactly what you’re paying before you commit to anything. Many clients find the value of expert guidance far outweighs the cost – especially when it helps them avoid expensive mistakes.

Frequently Asked Questions

Do I need to come to your office? Not at all. While I’m happy to meet you at my Wigton office, most clients now prefer Zoom or telephone appointments for convenience.
What area do you cover? I’m based in Cumbria and see many clients from Whitehaven, Egremont, and surrounding areas, but I work with clients throughout the UK via remote consultations.
How long have you been advising? I’ve been a financial adviser for over 20 years, and I started my independent practice nine years ago. Many of my original clients are still with me today.
What makes you different from other advisers? I’m truly independent – not tied to any platform or product provider. This means I can recommend what’s genuinely best for you. I also specialise in at-retirement planning, particularly for Sellafield workers and couples aged 55+.

 Is the initial meeting really free? Yes, completely complimentary with no obligation. It’s an opportunity for us to meet, discuss your situation, and see if we’re a good fit to work together.