Independent Chartered Financial Planners

Retirement Planning and Pensions

Can I afford to retire?
Is my plan sustainable?
Is it too late to make a difference?

retirement planning & pensions

The good news: many of us will enjoy a retirement of 30 years or more. Travelling the world, hanging out with the grandchildren, bungee jumping, if that’s your thing.

The less good news: we’ll all need more money to enjoy a comfortable standard of living in retirement. The truth can be quite sobering:

~ %

of people in the UK are expected to face an inadequate standard of living in retirement*

%

aren’t sure whether they’re even on track**
Our expert guidance helps you avoid becoming one of these statistics and sidestep the common, costly mistakes that catch many people out.
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retirement planning & pensions

What can we help with?

We help make sure you’re in the best possible position for your retirement.

There are many ways of saving for retirement – it’s not all about pensions. That’s why we begin by understanding what your dream retirement looks like. Then we create a clear, affordable, personalised plan to help you get there with confidence. We’ll then regularly review your progress towards your goals to make sure you keep on track.

Helping individuals and families answer these common questions:

  • When can I afford to retire?
  • Is my current retirement spending sustainable?
  • How should I take my retirement benefits?
  • How can I use my pension more effectively for tax efficiency?
  • I have many pensions from old jobs, what should I do with them?

Helping business owners navigate the following:

  • How does my business integrate with my personal retirement assets?
  • What is the most tax-efficient way to extract funds from my business for retirement?
  • How should I approach planning for the sale of my business or my succession as part of retirement?
  • Would I benefit from a SSAS or a SIPP?
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Pensions

We can review your existing pensions to make sure you’re getting the best return for you, project the value of plans in your retirement and calculate any funding shortfalls, as well as advising on more complex aspects of pension transfers and figure out the right retirement income option for you.

Tax Planning

We use our tax planning expertise to help you maximise allowances and minimise tax bills, to give you more in retirement.

Cash Flow Confidence

With our specialist modelling software, we help you find that “sweet spot” between saving and spending so you don’t risk running out of funds too soon, or look back wishing you’d lived more freely.
See more in Cash Flow Modelling

Business Owners

Planning your exit strategy and ensuring your business can generate a reliable retirement income can seem daunting. This is precisely where our expertise helps unravel a complex problem and solve it with confidence.
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Testimonials

This is what our clients think of us...

Diane listened to my plans and my concerns and very quickly arranged the right mortgage and term for me. I felt genuinely supported in what was a very difficult time for me. I would recommend Diane to anyone looking for the right mortgage whatever their circumstances.
Val
Mortgage Advice
We chose to work with JFP five years ago and we’ve been delighted with our choice. They took the time to get to know us as we approached retirement, including a cash flow forecast showing that we could retire sooner than expected. We’ve found JFP to be up-front and transparent about their fees and it feels like money well spent.
Chris
Retirement Advice
I would like to take this opportunity to compliment Diane Fish for her excellent work ethic. She is very professional and thorough, explaining everything in great detail and gave me confidence in making the discussion to go ahead with Equity Release. I would highly recommend Diane Fish and your company - excellent service.
Sonya
Equity Release

Why choose us?

The right products for you:

Our independence makes use of the best available products on the market that match your retirement goals. There are thousands to choose from, with a variety of pros and cons to consider, which we have the knowledge to navigate on your behalf.

Our expertise:

As a Chartered firm, we’re in the top 14% of firms in the country. We were also named by FT Adviser in the Top 10 Boutique Financial Advice Firms in the UK in 2025. You have the peace of mind that your finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

Competitive fees:

We’re committed to transparency and value. Our initial charge and our ongoing charges are more than 25% below the industry average. We also negotiate discounts on products and platforms which we pass on to you.
More about our fees
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How it works

looking at chart on laptop

Step 1

Get in touch to arrange a free initial consultation so we can get to know you. You can either come to our office in Coltishall, Norfolk, or many clients are now choosing the convenience of a video call.

Step 2

We will review your existing arrangements and recommend a strategy. We’ll also explain any fees. We’ll formalise what we’ve agreed in a recommendation report and, if you’re happy, we’ll implement the strategy on your behalf.

Step 3

As part of our ongoing service, we will make regular checks that you are on course to achieve your objective and make adjustments if needs be.

Are you confident you are on track?

Book your complimentary consultation
*UK Parliament Committee
**https://www.blackrock.com/uk/literature/presentation/read-on-retirement-pdf-uk-retail.pdf
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Retire with confidence

Life is busy - your career, your family, your day-to-day responsibilities. With so much going on, it’s no surprise that retirement planning often gets pushed aside.

Sound retirement planning can make all the difference, not just in retirement, but right now. And the earlier you start, the more control you have over your future.

We’ll help you strike the right balance: preparing for tomorrow without over-sacrificing your ability to live today.
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