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Retirement planning services tailored to you
Retirement planning starts with understanding what matters most to you – your goals, your lifestyle and your future.
A clear retirement plan brings together your pensions, investments and savings, giving you a complete picture of your finances and helping you make informed decisions with confidence.
Whether retirement is still some way off or fast approaching, professional financial advice can help you stay on track and adapt your plans as your circumstances evolve.
With tailored retirement advice, you can:
- Understand how much you may need to save for retirement
- Build a sustainable retirement income
- Make informed decisions about your pensions and investments
- Improve tax efficiency and of your retirement income and estate
- Plan with confidence for the years ahead
How we support our clients
Retirement planning can feel daunting, but with the right advice and support, it doesn’t have to be.
We take the time to understand your financial position, your goals for the future and your attitude to risk. From there, we will create a personalised retirement plan tailored to your needs, helping you make informed decisions with confidence.
Pension advice
You may have other assets too, but your pension will play an important role in your retirement income. Pension decisions can have a significant impact on your retirement income, so obtaining appropriate advice can help you understand your options.
As our client, you’ll get a full analysis of your pension arrangements. Our team can help you work towards building your pension pot through investment planning, tracing lost funds, or working out how best to access your money to meet your needs. Every step of the way, you’ll be kept updated on progress and performance thanks to our friendly, knowledgeable advisers.
Understanding tax
Rules around tax can be complicated, but our experts deal with these issues day in and day out. By taking advantage of their wisdom, you could keep hold of more of the wealth you’ve worked so hard to build up throughout your career.
With the right support, mitigating tax can be beneficial not only for you but for your loved ones as well. Wherever you’re at in your retirement journey, it’s never too early to start thinking about the legacy you’ll leave behind. We’ll help you make clear, sensible plans to pass on your estate in a tax-efficient way, helping to minimise the impact of Inheritance Tax.
What to expect
Your retirement should reflect the life you want to live. That’s why we take the time to understand your goals, priorities and current financial position before creating a retirement strategy tailored to your individual needs.
By bringing together your pensions, savings and investments, we will create a clear, flexible plan aligned with your long-term objectives.
Understanding your pension options is an important part of planning for retirement with confidence. Whether you are approaching retirement or have already stopped working, we will help you understand the choices available to you, including pension drawdown, annuities, and lump sum withdrawals.
With professional pension advice, you can make informed decisions about how to access your retirement savings and create an income strategy that reflects your lifestyle, priorities and long-term financial goals.
Retirement planning is not a one-off exercise. Your circumstances, goals and the wider financial landscape will change over time.
With ongoing financial advice, we will help you adapt your retirement strategy as your needs evolve, providing guidance whenever important decisions arise and helping ensure your plan continues to evolve with you.
We take a joined-up approach to your pensions, investments and tax planning, ensuring every part of your financial plan works together.
This can help you make informed decisions, improve tax-efficiency where appropriate, and support a sustainable retirement income.
A financial plan should evolve as your life does. Regular reviews give you the opportunity to assess your progress, respond to changing circumstances, and adjust where needed.
Together, we will review your retirement plan to ensure it continues to reflect your goals and support the future you are working towards.
Our goal is to help you plan for retirement with confidence, knowing your financial plan is designed to support your objectives now and, in the years, to come.
Saving for your retirement
The earlier you start planning, the more opportunities you have to build the retirement you want. Taking action now can give you greater flexibility and more choices in the future.
We will help you define your retirement goals, review your pension arrangements and build a savings and investment strategy that’s tailored to your circumstances. As your life changes, we will help ensure your plan evolves with you.
Approaching retirement
As you approach retirement, the financial decisions you make become increasingly important. This is the time to bring your plans together and ensure they are aligned with the lifestyle you want to enjoy.
We will help you understand your options, review your pensions and investments, and create a retirement income strategy that balances flexibility, security and attitude to risk.
At retirement
Retirement doesn’t mean your financial planning stops. As your circumstances, priorities and the wider landscape change, your plan should evolve too.
We will help you manage your retirement income, review your investment strategy and plan for factors such as inflation, later-life care and passing on wealth. Through ongoing financial advice, we will help ensure your finances continue to support the life you want to live.
Our services
Financial Planning
Effective financial planning is the foundation of a successful retirement. We take time to understand your current financial position, your goals and the future you want to create, so we can build a plan that’s bespoke to you.
Our tailored financial advice gives you the clarity and confidence to make informed decisions about your future.
Estate planning & inheritance tax
We support you in structuring your finances to preserve and protect your assets, while considering the impact of inheritance tax as part of your wider estate planning.
Where appropriate, we will explore trusts and other tax-efficient planning strategies to help minimise potential inheritance tax liabilities and pass more of your wealth to your loved ones.
Investment solutions
Our investment advice is tailored to your financial goals, personal circumstances and attitude to risk, helping you build a portfolio that supports your long-term objectives.
Where appropriate, we will also help you structure your investments in a tax-efficient way, making the most of the available tax allowances and reliefs while keeping your wider financial plan in mind.
Wealth Management
Effective wealth management helps ensure your investments, pensions and wider finances continue supporting your long-term financial goals.
Through tailored financial planning and ongoing advice, we will help you manage, grow and preserve your wealth as your circumstances and priorities evolve.
Financial protection
Financial protection can help provide greater financial security if your circumstances change unexpectedly. By putting the right protection in place, you can safeguard yourself and your family financially, while keeping your long-term financial plans on track.
Mortgage Advice
Mortgage advice can play an important role in your wider financial and retirement planning, whether you are reviewing existing mortgage, planning to borrow in later life or exploring ways to release equity.
We provide tailored advice to help you understand your options and make informed decisions that support your long-term financial goals.
Meet the team
Our experienced retirement financial advisers provide tailored advice based on your needs, goals and circumstances.
Starting your journey
If you’re ready to begin or just want to learn more about the tailored financial advice we provide, speak to our friendly team today.
Contact us 
A pension is a long-term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Pension income could also be affected by interest rates at the time benefits are taken. The tax treatment of pensions in general and tax implications of pension withdrawals will be based on individual circumstances, tax legislation and regulation, which are subject to change in the future.
What our clients say
Harshit Mehta
“It was very easy to deal with our Partner at Foster Denovo during the entire remortgage process. They tried their best to get the remortgage completed in time and even helped escalate complaints we had with solicitors. I highly recommend Foster Denovo for financial and mortgage advice.”
James Hunt
“Feel very lucky to have the advice and expertise on offer, especially how much time was dedicated to our case. Having been supported through 3 applications and receiving excellent client service I would always recommend Foster Denovo.”
Alison Field, Group HR Director, Briggs Equipment
“We are always very busy and so I appreciate that we can fully outsource our pensions and benefits admin including Group Life Assurance, Group Income Protection and Private Medical Insurance to the Secondsight team. And I can’t speak highly enough of you and your team.”
John Tyszkiewicz
“Our Partner is a mortgage rock star.”
Thomas Edwards
“Process became difficult half way through so we had to sell a long time before buying the new property. Our Partners were fantastic from start to finish, kept me informed and chased all relevant parties immediately when needed. Literally faultless from my perspective.”
Sophie Whiteway
“Our Mortgage Partner was great- they touched base frequently without being overbearing during our house hunt. We waited a long time from offer acceptance to completion date and required a mortgage offer extension which was arranged without issue. My partner is self-employed so our Partner also ensured we had all the correct information and documents to gain mortgage approval. Would definitely recommend”
Ava Dennie
“The whole process from beginning to end was seamless. We were kept informed by our consultant at all times, no matter the time of day. There were areas of anxiety but our consultant dealt with it all and ensured all queries were dealt with as soon as possible. Would highly recommend.”
Karen Morris
“My Partner is extremely friendly and explains any questions I have. They fully and competently guided me through the process and I have full confidence in their knowledge and understanding.”
James Garner
“Our Partner is amazing, what a credit to any team . House would never have gone through without her. They went the extra mile every day”
Alexander Elliott
“Our Partner was fantastic, they made the whole application process stress free and was very adaptable to our quite specific requirements when finding us a mortgage that suited our needs.”
Amanda Standish
“A professional and personalised service. Worked tirelessly to find a mortgage suitable for my needs. Provided sound knowledge and advice and always following data protection procedures.”
“David has been very helpful in developing a strategy for us, with wills and trusts being the main component as well as investment ideas and life insurances. He has always been very patient and has taken the time to explain all the intricacies of these financial vehicles.
You can imagine the quantity of documents that we had to handle over the period. Tireless Kirsty was the one who handled them… She made a very complex process much simpler for us.”
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Frequently asked questions
How much do I need to save for retirement?
The amount you will need depends on when you plan to retire, the lifestyle you want to enjoy and any other sources of income you expect to have.
Retirement planning helps you understand how much income you may need and how your pensions, savings and investments can work together to support your goals. With a clear plan in place, you can see whether you are on track and identify any adjustments that may help you achieve the retirement you want.
Will my money last throughout retirement?
Retirement can last for 20 years or more, so it is important that your finances are planned to support you over the long term.
This means balancing the income you take with the need for your savings and to continue working for you. Regular reviews and ongoing financial advice help ensure your retirement plan continues to reflect your needs as your circumstances and priorities evolve.
What are my retirement income options?
There are several ways to access your pension savings in retirement, including pension drawdown, annuities and lump sum withdrawals. Each option offers a different level of flexibility, security and tax implications.
Professional retirement advice helps you understand how these options work and how they can be combined, when appropriate, to create an income strategy that is right for your lifestyle, objectives and long-term financial plans.
Should I consolidate my pensions?
If you have built up multiple pension pots over the years, bringing them together could make your retirement planning easier to manage.
However, some pensions include valuable guarantees or benefits that could be affected if they are transferred. Seeking professional pension advice helps you understand the advantages and potential drawbacks before making any decisions.
How can I reduce tax on my retirement income?
The way you access your pension, savings and investments can have a significant impact on the amount of tax you pay.
By planning how and when you take your income, and making full use of available allowances where appropriate, you may be able to improve the tax efficiency of your retirement income. Professional financial advice can help you structure your withdrawals in a way that supports both your current lifestyle and your long-term plans.
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Foster Denovo Limited is registered in England and Wales Reg No. 05970987. Registered office: Ruxley House, 2 Hamm Moor Lane, Addlestone, Surrey, KT15 2SA. Foster Denovo Limited is authorised and regulated by the Financial Conduct Authority. FCA Reg No. 462728. You can check this by visiting the Financial Services Register on the Financial Conduct Authority’s website: http://www.fca.org.uk/. The Financial Conduct Authority does not regulate taxation and trust advice and some aspects of buy-to-let mortgages. Some of the fees we charge may be subject to VAT, but we’ll let you know in advance if this is applicable. VAT No. 904 450 842. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. If you click on a link and leave the Foster Denovo website, we cannot be held responsible for the content of the external website.
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