I want to plan for retirement

Pensions Planning Advice


Helping you achieve your retirement plans.

No one wants to work forever and in the current financial climate planning ahead has never been so important. While you are likely to accrue a basic state pension throughout the course of your working life, in many cases this is far less than the amount most people would be comfortable living on.

By planning ahead and applying pension tax efficiency, you can avoid any possible shortcomings and realise your full financial potential in retirement.

We will work closely with you to understand your plans in retirement and ascertain where you are, and where you need to be in order to achieve your desired lifestyle. To demonstrate this, we utilise sophisticated financial planning tools, including the latest cash flow modelling technology.

As with all our services, we won’t look at pensions in isolation. Income protection, tax planning and other areas will be explored to provide a holistic service to best meet your needs.

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Our advisers

Your adviser will work with you to understand your current situation and appetite for risk. All of the advice given will be tailored to you, your circumstances and your objectives.

You will be supported throughout your financial planning journey from setting long-term financial goals and working towards targeted growth, right through to retirement and taking income.

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What our clients say

The advisor from Pareto, Colin Tomlinson was so good with his recent advise re my pension.
Also, over the last ten years, I've experienced nothing but professional guidance re financial planning etc.
Highly recommend Pareto

KenVia Trustpilot

Pareto was recommended to me to help with pension decisions and I couldn't have been happier. It was reassuring to meet with such a brilliant financial advisor who came out to see me with sound options on my choices, which gave me confidence in my final decision. He was professional, friendly and dealt promptly with my pension decision. I would be happy to recommend Pareto to anyone wanting financial advice and will definitely use them in the future should I need them.

JaneVia Trustpilot

I've been fortunate enough to have been advised exclusively over the past few years by Stuart Carswell. Stuart's advice has always been a model of clarity and his ability to explain less than straightforward financial concepts is exceptional. Stuart provides tailored, bespoke advice and my only regret is that I didn't appointed him years earlier than I did.

PeterVia Trustpilot

Stuart & the team at Pareto were extremely knowledgeable and helpful in answering the questions that I had with no pressure. Everything I have asked them to implement has been done professionally, efficiently and quickly. 5 star service. I would highly recommend Pareto for any financial advice you need.

Clive Bell

I have dealt with Pareto Financial Planning Limited on numerous occasions, over many years, often in relation to investment of funds on behalf of clients, as well as receiving advice on my own pensions. The person I normally deal with is Director, Stuart Carswell.

I am a Solicitor, recently retired from practice. I have always found Pareto and Stuart to be extremely helpful and knowledgeable, dealing with you and your clients as people rather than just names or numbers, always willing to go that extra mile, and to put clients at their ease. I have always much appreciated their helpful, tailored and friendly approach.

Gerard WilsonVia Trustpilot

I am writing to thank you and Pareto for your prompt, efficient and friendly service in respect of my pensions and investment advice over the last 10 years which has been invaluable. Indeed, I would not have known where to start after I retired without your knowledge and guidance in the minefield of financial products available, some of which are not as secure or profitable as they first appeared to my untrained eye!I am certain you have secured not only my future income, but that of my family’s also by your placement of my funds. Thank you very much for your friendship and advice. I look forward to our next meeting.

Michael O'Neil

Friendly financial advice - A thoroughly professional and friendly team, providing a personal service that gets results.

Mr C West

Pareto have given us sound and helpful advice in a very clear and concise way. They have managed to clear the fog around Pensions and their Annual Governance Meetings keep us on track and up to date. I have been very impressed with their staff who are always friendly, supportive and work with a sense of humour.

Maria CrayVia Trustpilot
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