retirement planning
Saving For RetirementIndependent retirement planning that brings your pensions, investments and protection together into one plan, not three separate decisions.
The Problem your facingHave You Ever Thought To Yourself?
Do I actually know how many pensions I have, or where they all are?
Am I saving enough, or just hoping I am?
What happens to my family financially if I can't work tomorrow?
Is my money actually working for me, or just sitting there?
Will I be able to retire when I want to, or later than I'd like?
Most people carry these questions around for years without answering them. That's not because the answers are complicated, it's because nobody's sat down and actually worked them out.
The cost of not asking them isn't always obvious until it's too late to fix cheaply. Pensions left scattered lose growth to fees and neglect. Wealth built without a plan drifts instead of compounds. Income left unprotected leaves a family exposed to exactly the kind of event a plan is supposed to guard against. None of these show up as a crisis on day one. They show up as a shortfall decades later, when there's far less room to correct course.
Get Your Future In Order, While You're Still Building It
Retirement planning isn't something to leave until it's close. It's the decisions you make now, while you're still earning, that do most of the work. As a retirement planning adviser in London, my job is to bring your pensions, wealth and protection together into a single plan built around where you actually want to end up, rather than three separate decisions made at different times.
What This Stage InvolvesThree Things That Need To Work Together
Retirement planning isn't one decision, it's several that need to line up. Here's what that looks like:
Protecting Your Income While You Build
None of this works if a bad year undoes it. We make sure the right cover is in place so illness, injury or worse doesn't derail the plan you've spent years building.
Bringing Your Pensions Together
Most people reach their fifties with pensions scattered across old employers, some forgotten, some expensive, most working harder for the provider than for them. We review what you hold, check for guarantees worth keeping, and bring things together where it makes sense, not automatically.
Growing Your Wealth With A Plan
Wealth management during this stage means building a strategy matched to your goals and risk appetite, using funds and platforms chosen on merit, not picked from a shelf.
What we doOne Plan, Not Three Separate Decisions
Most people handle pensions, investments and protection as three unrelated tasks, dealt with at different times, by different people. As an independent retirement planning adviser in London, we build one plan that accounts for all three together, so decisions in one area actually support the others instead of working against them.
Your Financial Planner
Sam Pemberton
Founder, Candor Rubra Financial Ltd
Our processA Clear Process, Start to Finish
Getting your retirement plan in order can feel like a lot to take in at once. We break it down into manageable steps and keep you informed throughout.
Book An Initial chat
A relaxed, zero-obligation conversation to talk through what you're building towards and what retirement actually looks like for you.
01 Assessment
We review your pensions, investments and existing cover to see the full picture.
02 Recommendations
You get a clear plan covering pensions, wealth strategy and protection, explained in plain English.
03 04 Ongoing Reviews & Support
We revisit the plan regularly, so it keeps working as your circumstances and goals change.
Get in contactLet's Get You Ready For Your Retirement
Book a free, no-obligation chat with a retirement planning adviser in London.
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Earlier than most people think. The earlier you start, the more options you have and the more time your plan has to work in your favour.
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A workplace pension is a good start, but it's rarely a plan on its own. It's usually invested in a default fund that isn't tailored to you, and on its own it doesn't account for other pensions you might have, how tax-efficient your overall position is, or what happens if you're unable to work before you get there. Worth a conversation, even if things feel fine right now.
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Possibly you are. But "I think" is doing a lot of work in that sentence. Most people who feel on track have never actually had it checked against their real numbers, and the ones who find out they're behind usually wish they'd looked sooner, when there was still time to fix it cheaply.