7FP, The Old Brewery, Castle Eden, TS27 4SU
RETIREMENT PLANNING
You've worked hard and saved diligently - now it's time to make sure your pension works just as hard for you.
At 7 Financial Planning, we specialise in helping people aged 55+ turn their pension savings into a clear, confident plan for retirement.
Whether you're approaching retirement or already there, we'll help you understand your options, avoid costly mistakes, and create a strategy that supports the life you want to live.
RETIREMENT PLANNING
HOW WE HELP YOU IN RETIREMENT
WHEN & HOW TO TAKE YOUR PENSION
Should you take your pension at 55? Wait until 67? Take a lump sum or draw an income? We'll guide you through the pros and cons of each option.
AVOIDING TAX PITFALLS
We'll help you draw your pension in a tax-efficient way, so you keep more of your money to enjoy in retirement.
COMBINING PENSIONS
If you've had multiple jobs, you may have several pension pots. We'll assess whether consolidating them is right for you.
CREATING A RETIREMENT INCOME PLAN
We'll build a personalised plan that ensures your money lasts as long as you do, without sacrificing your lifestyle.
FINANCIAL PLANNING
WHY IT MATTERS
Many people enter retirement without a clear plan, only to find themselves unsure, anxious, or even running out of money too soon,
Our goal is to give you peace of mind, knowing that your finances are in order, your future is secure, and your lifestyle is protected.
OUR FEES
PLANNING & IMPLEMENTATION
We turn your goals into a personalised, professional plan.
After our initial chat, if you feel we're the right fit, we'll move forward by building a plan tailored just for you.
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A personalised retirement roadmap based on what really matters to you
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A full review of your pensions, savings, investments and tax planning
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Clear, expert recommendations you can act on
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Everything explained in plain English - no jargon, no pressure
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No commitment until you're 100% comfortable
If you're investing
£200,000
Our initial fee is typically
2% = £4,000
This is always agreed upfront, with full transparency.
If you're investing
£200,000
Our ongoing fee is typically
0.8% = £1,600 per annum
This fee changes as your investments fluctuate.
OUR FEES
ONGOING ADVICE
We don't just build your plan - we help you live it.
We'll be by your side throughout retirement, helping you adjust your plan as life changes.
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Annual reviews to keep you on track
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Ongoing tax-efficient investment management
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Peace of mind that someone's always looking after your finances
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Regular updates, answers when you need them, and a familiar face who knows your story
ONGOING SERVICES
WHAT YOU GET FROM US
You're not just getting expert Financial Advice - you're getting:
CONFIENCE, CLARITY & COMFORT
We'll have a chat and get to know each other better, talking about your goals and your current financial picture.
ONGOING SUPPORT FROM US
We actively manage your retirement plan so you don't have to, making changes to your investments where needed.
A PERSONALISED RETIREMENT PLAN
We take that information and create a personalised retirement plan tailored to your lifestyle, values and long-term needs.
ANNUAL REVIEW OF YOUR PLAN
Chat through any changes to your circumstances and review how your plan is performing to make sure it always stays on track.
"I would say there will be a lot of people on better income and pension pots than myself, but sensible planning with back up from a good financial planner makes life a lot easier."
- IAN
7 FINANCIAL PLANNING
WHY CHOOSE US
You're not just getting expert financial advice - you're getting:
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A relationship with someone who genuinely cares
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A down-to-earth expert with your best interests at heart
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A retirement plan built around your lifestyle, not ours
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Confidence, clarity and comfort with every decision
