Planning for retirement

Helping you approach this important milestone with confidence and a clear path forward.

Do you find yourself wondering...

Will I have enough to retire comfortably?

How do I manage my investments and taxes?

Am I making the right choices for my family and future?

If so, you’re not alone.

As you begin planning for retirement, there are plenty of questions to consider. The most important question is whether you feel truly ready – both practically and emotionally. From reviewing your pensions to protecting your loved ones, whatever you want from this exciting next stage of life, we’re here to help.

What you’ll gain from working with us

Strategies personalised to you

We’ll always put you at the forefront. Working alongside you, we’ll get to know your lifestyle and priorities to create a step-by-step retirement plan. This will show income sources, spending needs and key milestones, so each decision we make is purposeful and connected to your long-term goals.

Reassurance in key decisions

We create detailed models showing how your pensions, savings and investments will generate income through retirement. By testing different scenarios, including spending, tax changes and market fluctuations, we show the potential impact of decisions before you make them.

Tax planning advice and optimisation

We review your pensions, ISAs, investments and estate, identifying opportunities to reduce taxes and maximise benefits. Through clear explanations and recommendations, we help you make choices that protect more of your wealth while keeping things simple and compliant.

Ongoing support

Life changes, and so do your needs. We provide regular check-ins, scenario updates and adjustments to your plan as your circumstances evolve. This ongoing guidance helps you stay on track and prepare for any surprises, allowing you to feel confident that your plan is continuing to work for you.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). Your capital is at risk. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

The Financial Conduct Authority does not regulate tax planning.

    
 
 
      Posted on Google  
   
   Frances Veltkamp 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Andrew is very approachable and accomodating.He is thorough in his assessment and recommendations . He gives understandable and comprehensive explanations and is always happy to answer further questions . Highly recommended !
  
 
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   Janet Davidson 
 6 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Both my husband  and I use Andrew for financial planning. Advice is clear, questions are welcomed and are thoroughly answered in terms we can understand. Our differing approaches to financial risk are considered, and are respected in our individual plans which are regularly reviewed.
  
 
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   Neil Davidson 
 6 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great advice and help managing my pensions and savings. My only regret is that I didn't seek Andrew's advice 10 years earlier!
  
 
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   Con R 
 414 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I engaged Andrew’s services for around 8 months in 2022 he helped me make tax efficient decisions and set me on a path to improve my overall financial position and plan for retirement, there was no problem when I decided to go it alone and would use Andrew’s services again when required when I am at another crossroads.
  
 
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   Mark Fosberg 
 487 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I've had Andrew as my financial advisor for quite a few years, he really understands what my requirements are and makes sure he tailors my products accordingly.  He explains everything clearly and has brilliant knowledge of products and how they can be used. I would highly recommend Andrew, I wouldn't want to use any other financial advisor.
  
 
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   Erehwon 
 616 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Andrew is extremely professional and well-informed. I found him via reviews and have never regretted the choice for what has been a complicated setting up of a post-divorce annuity. He came twice to the house for meetings which was much appreciated. He is patient, emotionally-intelligent and never pushy; he  thinks about what is best for the client. He sources excellent products, explains his thinking; he follows up, is pro-active. While being clear, concise and in control he is always warm and friendly. I appreciated the fact he was prompt to answer queries and also nudged us to complete paperwork, etc. Totally to be recommended.
  
 
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   Simon Bradley 
 691 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Andrew has looked after our financial planning for the past couple of years. Throughout this time we have found him to be proactive and responsive. He is the first financial advisor who has taken the time to really understand our situation and encouraged us to work out what our true priorities are regarding retirement plans, inheritance and insurance.
  
 
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   Martin Hardwick 
 826 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Attentive and professional service with excellent attention to detail
  
 
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   Nick Brickland 
 861 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great advisor, super clear and easy to understand financial advice.
  
 
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   Victoria Verde 
 951 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of meeting with the incredibly professional financial broker who not only brought a wealth of knowledge to the table but also an exceptional level of courtesy and professionalism. His visit to my home was marked by genuine generosity with his time, as he patiently explained every facet of his offerings, answering all my questions with precision and clarity. Beyond his expertise, what truly stood out was his ability to impart valuable insights and pointers, tailored to my financial needs and aspirations. Engaging and personable, he made complex financial concepts accessible and left me feeling empowered and confident in navigating my financial future. If you're seeking a broker who combines expertise with warmth and generosity, look no further!
  
 
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   Gary Higginbotham 
 965 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Really appreciated Andrew helping and pointing me in the right direction regarding my parents finances.
  
 
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   Jennifer Wild 
 1139 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always happy to see Andy. Warm, friendly but very professional. He has helped me enormously by simplifying and helping’ me to understand and make sense of my investments along with some sound advice. Sustainable Financial Planning comes highly recommended by me. Jennifer Wild
  
 
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   Taylor Evans 
 1239 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Andrew at SFP was recommended to us by a friend and has been very helpful to us as first time buyers each step of the way. He was always at the end of the phone when we had any questions and gave valuable advice. We would also recommend him to anyone in a similar position as ourselves.
  
 
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   gerry smith 
 1269 days ago
 
 
 Trustindex verifies that the original source of the review is Google. An excellent and very professional financial service, unhurried and comprehensive advice given with clear explanations of all matters recommended and discussed.
  
 
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   Keith Barratt 
 1286 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have always found Andrew Winstanley of Sustainable Financial Planning to be very understanding of my situation as well as the targets I want to achieve from my investments.  This results in Andrew being able to formulate and then clearly explain the strategy he recommends to achieve those targets which in turn allows me to make informed decisions on how to invest for my future.
  
 
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   Elizabeth 
 1304 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Andrew Winstanley has made a significant positive difference to our financial position and planning. He is clear, proactive and prompt in his approach. He listens carefully to our goals and has helped us achieve them.  He has a strong commercial background which informs his work in a positive sense. He’s also a delightful person to deal with.  I would highly recommend him.
  
 
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   Keith Cocker 
 1304 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I highly value the advice my wife and I receive from Andrew Winstanley of Sustainable Financial Planning. Andrew is a consummate professional combining technical and business expertise with personal insight and understanding of our motivators and needs. He has a dual focus on the immediate and the long term and is proactive and creative. He is a delightful man and a pleasure to work with. He has built on what has been done already to provide us with a sound retirement plan. Highly recommended.
  
 
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   Katie Mac 
 1305 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Andrew gave me really excellent financial advice that I wish I had sought 20 years ago. He is incredibly knowledgeable and makes finance easy to understand.
  
 
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   Timothy Wilson 
 1366 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Clear communication outlining all options, responded quickly to initial and follow up queries, transparent about fees and overall happy with option chosen.
  
 
     Posted on Google  
   
   Ian WOLSTENHOLME 
 1407 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service Very clear information provided With a full easy to understand explanation of what it means for me I would highly recommend
  
 
     Posted on Google  
   
   Jenna 
 1412 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I wanted a mortgage with the best possible rate, and to understand how much I would be able to borrow to buy a new property. Andrew at SFP has been there every step of the way through the mortgage process, providing me advice and support. He is always at the end of an email or phone call any time I need him. We have been able to secure a fantastic rate just as the rates were going up, and I can’t thank him enough for this. I would 100% recommended him to anyone I know needing a mortgage or anything else. Andrew’s services are far better than any mortgage advisor I have used before.
  
 
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   Andy Bradley 
 1416 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We chose to use SFP through recommendation and were utterly impressed from start to finish. Andy’s industry knowledge and his inclination to not obfuscate the process meant we felt in control of our decisions throughout and his personal approach truly made us feel valued. The ease and speed in which he answered our queries was exemplary and we really felt like we could rely on him in what formed quite a complex transaction. We cannot recommend his services enough. Many Thanks.