How we can help

Pensions and
retirement planning

What does being ‘retirement ready’ look like
for you?

Freedom and flexibility on your terms

Our approach gives you the freedom and flexibility to retire how and when you choose. We focus not only on building your retirement wealth, but on the tax-efficient release of income during retirement – so you can spend your time doing what matters most, with the confidence that your finances are working for you.

 

An introduction to pension choices
mature man wearing athletic red sweatshirt stretching outdoors in grassy field
Two people walking arm in arm along a sandy beach at sunset, with gentle waves and golden sunlight in the background.

A retirement strategy that works for you

One of the most important steps on the journey to financial freedom is the accumulation of a substantial pension fund. We help our clients make full use of available tax allowances, designing bespoke retirement strategies which are tailored to their unique goals and circumstances. We focus on ensuring you can enjoy life on your term – whether that means continuing to work out of passion or enjoying full financial independence.

As a high-net-worth individual, you’ve no doubt experienced how complicated retirement planning has become. Our aim is to take away that complexity and bring you the peace of mind that comes from knowing your path to financial freedom is clear.

To do this, we create wealth management strategies tailored to your individual aims, objectives and circumstances. We use our Investment independence to find the best solutions for your needs across the whole of the market. And we make use of all available tools, including a range of pension structures and other tax allowances. These often include:

  • Strategic use of ISAs and general investment accounts for capital growth under favourable tax regimes
  • Advanced tax-efficient investment options like EIS, SEIS, and VCTs if you have a higher risk appetite

Freedom and flexibility on your terms

Our approach gives you the freedom and flexibility to retire how and when you choose. We focus not only on building your retirement wealth, but on the tax-efficient release of income during retirement – so you can spend your time doing what matters most, with the confidence that your finances are working for you.

Two people sitting on a wooden dock overlooking a calm lake with mountains and trees in the background during golden hour.

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Guiding you to financial freedom

Our aim is to help you accumulate and plan your wealth to achieve financial freedom in life.
ABOUT US

Together, we make financial freedom simple.

As truly independent advisers, we don’t have in-house products we have to sell. And we don’t limit our advisers to specific financial solutions. Instead, we give them the freedom, knowledge and resources to recommend what’s best for each client so they can ensure the best possible outcomes.

Learn more

We have been very happy with the service we have received from PWM. We have always had clear and proactive advice in a timely manner. The staff are very friendly and helpful and respond to any points raised by us and are always available to talk through any issues which we may have”

Retired Partner, Magic Circle Law Firm

We have collaborated with Duncan and PWM for many years. Client feedback has always been exemplary, and we are always impressed by Duncan’s creative and collaborative approach. Duncan and PWM would always be our first choice of financial planner due to his extensive knowledge and PWM’s true independence.”

Alexandra Gordon
Managing Partner, Tassells LLP

We have built up such a strong relationship with you, based on mutual trust, professionalism, dedication and the strongest of product and market knowledge and you had never let us down. Your integrity, honesty, caring and positive approach served us well in the past and continues to do so today.”

Anonymous
Anonymous

Brett has advised me very soundly for 10 years. He’s comprehensively across the big stuff that can blow holes in financial wealth if not spotted. He also provides excellent continuing client focus and service. Delighted to be a client of his.”

Keith Bottomley

PWM have always shown great integrity in all my dealings with them.”

Head of UK & Global Credit

We wanted sustainable fossil-fuel free investments but it is difficult at present to pick something off the shelf. We were therefore pleased that with advice from Nathan at PWM, we have been able to implement a portfolio that maintains diversity and meets our objectives."”

Sustainable Investors, Surrey