Protect your family and your lifestyle in case of the unexpected


Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement


With so many choices, leave it to us to help make your money work harder for you.


We can support your business development plans with advice on growth, restructure and commercial lending

Your home may be repossessed if you do not keep up repayments on your mortgage

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Four pension questions to ask before retirement

Flexibility and freedom may be the current pension buzzwords, but those people who are on the verge of giving up work are advised to consider their options very carefully.

In recent years, the retirement income landscape has been transformed. Keeping your pension money invested and making flexible withdrawals is the “new norm”. But freedom doesn’t come without risks, and the Financial Conduct Authority has been looking into the danger zones created as a result.[1]

Quilter pensions expert Ian Browne highlights four lessons pension customers can take from the FCA’s Retirement Outcomes Review (Final Report, MS16/1.3, June 2018).


  1. Take advice

“As you near retirement it is crucial to take advice. The FCA says non-advised customers almost always stick with their existing pension provider instead of shopping around. An adviser will help you find the best value retirement income product to meet your needs. Most offer an initial consultation at their own cost, so you can decide if their service suits you.”

2. Pensions are a good long-term investment“Half of customers are taking their pension savings out but not actually spending them. Instead, they are investing in cash, Isas or buy-to-let. They are giving up the advantages pensions offer, such as future tax-free investment growth. Cash is unlikely to produce good long-term returns and illiquid assets such as property present their own risks. A financial adviser can help to find an investment portfolio that matches financial needs with your retirement goals.”

3. Ask if you need to touch your pension

“Pensions are not usually included in your estate on death, so inheritance tax could be saved. Any unused drawdown funds could be passed on and will be tax-free, or taxed at the  beneficiaries’ marginal rate of income tax. It might be more tax-efficient to leave your pension invested and use other assets first. The FCA found that 94pc of consumers who made a full withdrawal had other sources of income available to them.” 

4.    Ask if you can afford to retire early

“The FCA says that consumers rarely considered ‘the broader issues around how much they would need to live off ’. The risk is that they get carried away with their spending. You should have a plan in place to see you all the way through retirement. Don’t just focus on now.”

Remember, investments may fall as well as rise in value and you may not get back what you put in.

To find out more about how we can help you achieve your financial goals, call us today or email


This article first appeared in the Telegraph in partnership with Quilter Plc. 

[1] 1 The facts and figures quoted from this report may not be the most up-to-date statistics available. Advice will be provided by an appointed representative of Quilter Financial Services Limited or Quilter Mortgage Planning Limited, which are wholly owned subsidiaries of Quilter plc. Quilter plc products and services are provided through its two divisions: Advice and Wealth Management and Wealth Platforms. For a list of its companies and their regulatory authorisation details, visit Quilter plc’s business is registered in England and Wales. The content of this promotion has been approved by Quilter Financial Services Limited and Quilter Mortgage Planning Limited. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718.

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan, March 2018

Dan cut through the jargon and was always there to respond to my questions; his work has helped my dream of buying a house come true.

S & K Jones, Swansea

My mortgage needs were not simple to deal with, but Dan’s knowledge and experience really shone through. He was professional in his dealings with me and explained everything to me in a clear and concise way, ensuring I fully understood the mortgage product I purchased.

P Davies,September 2019

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan, March 2018

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

I had the best possible products tailored for me. I appreciate how much time you have saved me.

Karen, London

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him.

Fi Davies, August 2018

We were really impressed with the speed with which you processed the mortgage and the great rate of interest!

Dani & Geoff, Stratford upon Avon

Get all of your questions answered by our experts - call us or complete our online enquiry form to arrange your meeting. The first meeting is at our expense and without any obligation

Get In Touch
Financial worker
Don't walk a financial tightrope with your finances, trust Cosgrove Brown
Contact Cosgrove Brown