Chestnut Financial Services

Chestnut Financial Services, Financial Advisers

Speak to our customer team:

Mon-Sat   9 am to 6 pm

Call Us: 01522 788887

Independent Financial Advisers

Solving Problems For Our Clients

Chestnut Financial Services, Financial Advisers
Pension Advice Photo of Ian Francis
Pension advice from Ian Francis, Independent Financial Adviser

Great pension advice - understandable, independent, experienced

Whatever your need for pension advice is, it shouldn't be confusing or leave you questioning whether you are going to get the most out of life.

We help clients wanting to understand their pension choices, including when to retire and whether to consolidate pension pots.

With people living longer, the cost of funding decent pensions increases as each year goes by.

Many people would prefer to retire earlier than the state pension age, however, and they in particular need to ensure that they have the financial resources to enable them to do so.

Whatever you are looking for, through great pension advice, we'll help you understand your options and help you squeeze the most from your money, so you can choose the lifestyle you want in the future.

What does great pension advice look like?

The decisions you make whilst planning and approaching your retirement will be some of the most significant in your lifetime.

  • Should you take tax-free cash?
  • Do you need a secure income for life?
  • Can you access your pension when you need to?
  • Do you understand the various pension schemes that you may currently have?
  • Are you concerned that you might not have enough money to enjoy a comfortable retirement?

We'll answer your questions and explain all the options available to you.

Our role in giving you great pension advice, as independent financial advisers, is simple - help you understand your options and reduce "complexity" into "simplicity".

Pension advice Photo of Ian Francis2
Should I consolidate my pensions?

It might be the best pension advice to consolidate pensions if you have several of them, but we can't advise that until we know what you have;

  • how well invested they are,
  • how long before you are due to retire,
  • what charges are taken, and
  • whether the investment funds themselves are right for you.

With many people changing their employers multiple times throughout their working life, most have accumulated different pension plans and may not have had the time or inclination to review and consolidate them each time.

Time for a pensions review?

Imagine dividing retirement planning into three phases: a larder, a fridge and a freezer.

  • The larder represents the first couple of years of retirement; that bit of the portfolio should be in cash and very liquid assets.
  • The fridge is the part of the portfolio you will need after about two years when the larder is bare - the fridge part should be in reliable, income-bearing assets that can be called on when needed.
  • The freezer is a pot of assets that you can just leave alone for years, but call on when the fridge is empty.

All three need to be carefully checked, regularly, to make sure they are sufficient for your needs, helping you make the most of your retirement income and future happiness.

That to us is great pension advice!

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What it means to be SOLLA accredited

Clients requiring financial planning in their later life benefit from advice that is clear and concise. Such advice comes from an adviser that is suitably qualified and experienced to advise them and manage their financial planning.

We have been advising clients on pension building and retirement solutions for several years now, backed up not just by professional qualifications but also by the membership of various professional bodies, most notably the;most notably the Society of Later Life Advisers (SOLLA) and the Personal Finance Society.

Our team led by Ian Francis Independent Financial Adviser
What's on your mind? Let's talk...

We offer a free, no-obligation, initial telephone consultation for new clients to answer some initial questions and help you with some first steps.

After that, we will then ask if you would like to set aside more time at a good time of day for you, when we can meet in person, on video, or by phone, whichever is most convenient for you.

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What our clients have said

"The day I spoke to Ian was the day my life changed. He took an interest in my circumstances in a way that no one had ever done before.

I had assumed I would just go on until 67 then stop. I'd never met anyone like Ian before; his first comments were to challenge my dull assumption.

I've been able to retire early, the stress of work has completely gone, and my life with friends has brought such joy.

I always knew what Ian's fee would be, he was so open about everything, I just enjoyed having our meetings and learning about my future!"

Hillary, Lincoln

Contact Us

Chestnut Financial Services Limited

2a Sadler Court, Lincoln, LN6 3RG

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We are proud supporters of the

Lincolnshire Police Federation

Important Information

A pension is a long-term investment; the fund value may fluctuate and can go down.

The value of investments and any income derived from them can go down as well as up as a result of market or currency movements and investors may not get back the original amount invested.

Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Past performance is not an indicator of future performance.

Screening out sectors or companies may result in less diversification and hence more volatility in investment values.

Also, tax and legislation may change and your own individual circumstances, including where you live in the UK, will have an impact on your tax treatment.

The guidance and/or advice contained within this website is subject to the UK regulatory regime. It is therefore targeted at consumers based in the UK. Chestnut Financial Services Limited. Registered in England no 9918363, 2a Sadler Court, Lincoln, LN6 3RG. Authorised and regulated by the Financial Conduct Authority.