Retirement Planning in Richmond
At Richmond Financial Advice, we provide clear and dependable financial advice services in Richmond for individuals and families seeking to protect, manage, and plan their wealth with confidence.
+31 years
Experience in financial advice
£240+ million
Assets owned by clients
550+ clients
Helped with financial solutions
Retirement planning is one of the most important financial decisions you will make. At Richmond Financial Advice, we provide independent, whole-of-market retirement planning for clients across Richmond, Teddington, Twickenham, and South West London. Our role is to help you plan, manage, and optimise your pensions so you can move into retirement with clarity, confidence, and long-term financial security.
As a fully independent, FCA-regulated financial advice firm with over 31 years of experience, we support individuals and families who want a structured and realistic plan for later life. Whether retirement is approaching or already underway, our advice is tailored to your goals, income needs, and personal circumstances.
Core reasons clients choose Richmond Financial Advice for retirement planning:
- Fully independent, whole of market pension advice
- FCA-regulated firm with 31 years of industry experience
- Clear guidance on pensions, drawdown, and retirement income
- Tailored strategies based on your goals and timeframe
- No hard selling, just clear and professional advice
- Free initial consultation with no obligation
Why Retirement Planning Matters
Retirement planning is about more than simply stopping work. It is about ensuring your money continues to support your lifestyle, priorities, and peace of mind for the rest of your life.
For many people, retirement brings important questions, including:
- Will my pension income last as long as I need it to
- How much can I afford to take from my pensions each year
- How do I manage inflation and rising living costs
- What happens to my pension if my circumstances change
- How can I reduce unnecessary tax in retirement
Without a clear plan, it can be difficult to make confident decisions. Structured retirement planning helps you understand your options and make informed choices at each stage.
Our Independent Approach to Retirement Planning
As an independent financial adviser, Richmond Financial Advice is not restricted to a limited panel of pension providers or products. Our whole of market status allows us to research and recommend solutions based purely on suitability.
This independence means:
- Advice is driven by your needs, not product targets
- Greater flexibility when reviewing or consolidating pensions
- Access to a wide range of retirement income solutions
- Transparent recommendations with your interests at the centre
This approach is particularly important when planning retirement, as pension decisions are often long-term and difficult to reverse.
What Our Retirement Planning Service Covers
Our retirement planning service is designed to support you before and throughout retirement.
Pension Reviews and Consolidation
We begin by reviewing your existing pension arrangements to ensure they remain suitable. Where appropriate, we can explore whether consolidating pensions may help simplify management and improve efficiency.
Drawdown Options and Income Flexibility
For many clients, pension drawdown offers flexibility and control over retirement income. We explain how drawdown works, assess suitability, and help you structure withdrawals in a sustainable way.
Annuity Considerations
In some cases, an annuity may play a role in providing guaranteed income. We provide balanced guidance on annuity options and when they may or may not be appropriate.
Retirement Income Strategies
A key part of retirement planning is ensuring your income supports your lifestyle while managing risk. We help design strategies that balance income needs with long-term sustainability.
Tax-Efficient Retirement Planning
Tax plays a significant role in retirement outcomes. We consider how pensions, investments, and allowances interact to help reduce unnecessary tax where possible. This often links closely with our wider tax planning advice.
You can explore how retirement planning fits within our broader services:
How we work
Initial phone call
This is free. You don’t have to commit to anything and if you feel our service is not for you, all you’ve done is had an informal chat.
Getting to understand You
If you think we can be a good match, then we'll have a meeting to focus more on your personal financial situation and talk about your goals.
Our Retirement Planning Process
We take a calm, structured, and personal approach to retirement planning.
Understanding Your Retirement Goals
We start with a free initial consultation to understand when you plan to retire, what retirement looks like for you, and how you expect to use your income.
Reviewing Your Current Position
This includes assessing pensions, savings, and other assets to understand how they support your goals.
Creating a Clear Retirement Plan
We develop a tailored retirement plan designed to help you transition smoothly into retirement, with clear explanations and realistic assumptions.
Ongoing Reviews and Adjustments
Retirement planning does not stop when work ends. Regular reviews allow us to adapt your plan as markets change, legislation evolves, or personal circumstances shift.
Retirement Planning for Clients Across Richmond and South West London
We support clients throughout Richmond upon Thames, including Teddington and Twickenham, as well as the wider South West London area. Many of our clients value the reassurance of working with a local adviser who understands both their needs and their community.
Meetings can take place at our Teddington office, by telephone, or via video call, depending on your preference. We also offer home visits.
FCA Regulation, Experience, and Trust
Richmond Financial Advice is authorised and regulated by the Financial Conduct Authority. FCA regulation ensures our advice meets strict professional and ethical standards designed to protect clients.
With over 31 years of experience in the financial services industry, our guidance is grounded in real-world knowledge and long-term client relationships. We believe trust is built through clarity, transparency, and consistency.
For independent guidance on pensions and retirement options, you may also find the following resources helpful:
Frequently Asked Questions About Retirement Planning
When should I start retirement planning?
It is never too early or too late to start. Planning earlier can provide more options, but structured advice can also add value if you are close to or already in retirement.
Can you help if I already have multiple pensions?
Yes. Pension reviews and consolidation are a common part of our retirement planning service, helping clients gain clarity and control.
Is drawdown suitable for everyone?
No. Drawdown is not suitable in all cases. We assess suitability carefully and explain alternatives where appropriate.
How often should my retirement plan be reviewed?
Reviews are typically carried out annually, although more frequent reviews may be appropriate depending on circumstances.
How do I get started?
The first step is to arrange a free, no-obligation consultation to discuss your goals and options.
Book Your Free Retirement Planning Consultation
If you are looking for clear, independent retirement planning advice in Richmond or South West London, Richmond Financial Advice is here to help. We provide structured, professional guidance designed to support a secure and comfortable retirement.
Contact us today to book your free initial consultation and take the first step towards a clear, confident retirement plan tailored to you.
Book Your Free Retirement Consultation
Call: 07930 853948 | 020 8977 2899
Email: hello@richmond-financial-advice.com
Make an Enquiry
Frequently Asked Questions
We provide whole of market, unbiased and professional advice on your investments and pensions so that you can be better prepared for the future and your retirement.
- Saving and investing
- Retirement planning
- Considering later life options
- Protecting your wealth
- Intergenerational planning
Financial advice is neither a one-size-fits-all, nor a one-off solution. We want to offer you personalised advice and guidance for as long as you want. If you decide to work with us, we'll see it through. We believe in giving you the best value for money. Our business model is built around you, our client. We will help you make the best decisions backed with decades of real-life experience which you can trust.
You know your financial and personal circumstances better than anyone else. Our role is to listen and understand you, your current situation and how it might be changing. We will then discuss what you want to achieve and agree your what’s important to you.
After that, we do our research and analysis before fixing another meeting where we will show you what we can do to meet those requirements.
But it doesn’t just stop there. We will invite you to a review meeting atleast once a year. You can, of course, contact us at any time should you have any questions or concerns. We would be happy to meet with you throughout the year, if you want.
Everyone’s situation is unique. But we pride ourselves on delivering first class service to all our clients and aim for 100% satisfaction. It’s about being on the journey with you for now and whatever the future might hold.
Our service is tailor-made to match your requirements, so the precise fees depend on the complexity of your current situation and the due diligence that will be involved in preparing your recommendations. We will present our costs to once we have a fuller understanding of what you’re looking for us to do. These fees will be clearly set out in a signed Client Agreement before we do any research and analysis on your behalf.
Yes : Richmond Financial Advice is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority.
If you have a complaint, this would be dealt with by ValidPath Limited. And, if you are not satisfied with their response, you have the right to refer the matter to the Financial Ombudsman Service (FOS) within 6 months.
We are also covered by the Financial Services Compensation Scheme | FSCS.
Furthermore, you will also find details of Associate membership with these three institutions :
Chartered Institute for Securities & Investment (CISI)
Personal Finance Society (PFS)
Society of Later Life Advisers (SOLLA)