At Chadwicks we understand that you are an individual with unique circumstances and aims, which is why we provide a tailored service.

We have the expertise and experience to help people with all kinds of financial circumstances to optimise their finances. Scenarios where people benefit from our services include:

Approaching retirement

You are a member of an occupational pension scheme, and are close to retirement. You will shortly receive a lump sum and an index-linked pension. Having attended one of our pre-retirement seminars, you wish to check whether your income will be sufficient to maintain your lifestyle. You also wish to consider different investment options.

At retirement

You have built up pension funds in a personal pension, self-invested personal pension (SIPP) or additional voluntary contributions (AVC), and now wish to consider your options. You want to achieve the most suitable level of income, and also consider death benefits and your tax status.

In retirement

You are in receipt of an occupational, personal or state pension and have a range of investments with different providers. You want to reassess your attitude to risk, know whether your investments are still suitable and make full use of available concessions.

Capital investor

You have accumulated significant savings or received an inheritance, and wish to invest your lump sum in the most effective way. You are concerned about investment risk and return. You are fully aware of the low rates of interest on deposit accounts and wish to improve on these.

Company owner

You have accrued savings in a company deposit account that attracts extremely low rates of interest. You wish to consider pension options to plan for retirement, and also reduce tax liabilities. You are aware of government plans for Auto Enrolement pensions and would like to know more about how these will affect you and your business.

The Financial Conduct Authority does not regulate tax advice.

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