Being self-employed means that you cannot join occupational pension schemes, although you will receive the basic state pension and the Flat Rate State Pension, which came into effect on 6 April 2016 subject to a sufficient National Insurance record.

It is therefore essential that you make plans for contributing to an individual arrangement. This will help you to receive an income that gives you security in your retirement.

How Much Will You Need?

Our retirement planning calculator is designed to provide an indication of the monthly savings needed to fund the gap in your required income at retirement, and your expected income from existing funds.

Expert advice, which focuses on your requirements, is vitally important and will be the cornerstone of your pension planning arrangements. Our approach to Retirement Planning is founded on four key principles:

  • Advice
  • Service
  • Flexibility
  • Control

The value of this investment will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you initially invested.


I have known her as our family Financial Adviser for about 10 years. She has always put my interests first and given sound advice. I found her to be pleasant and trustworthy. Her service and support has always been exceptional. I get great pleasure in recommending her to anyone.
Thurairatnam Kathirgamakarthigeyan
Retired Eye Surgeon
Andrea has been wonderful, and I feel confident in discussing my financial matters with her as I know she will treat my affairs confidentially. She has always been there whenever I needed - literally with a click of a button and the support, she provides is extraordinary. She has gone out of the way to help me on a few occasions. I will not hesitate to recommend her to anyone.
Sandy Shiralkar
Consultant Vascular Surgeon
Andrea has provided us with exceptional service and advice. We feel that Andrea has listened to what we want and need and has helped us to build a robust retirement plan. We would recommend Andrea to our friends and family.
Claire Richards

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