Retirement Planning advice for a better future

Truth. Simplicity. Transparency.

Retirement Income & Pension Planning

Transferring out of a final salary pension is unlikely to be in the best interests of most people.

Millions of people are questioning if they are saving enough for retirement according to a recent survey by the Pensions and Lifetime Savings Association (PLSA 2019)*

Over half of savers not confident they are saving enough for retirement
Over a third (37%) wrongly think the auto-enrolment minimum pension contribution level is the Government’s ‘recommended amount’ to be comfortable in retirement.

It is never too soon to think about planning for a comfortable retirement.

Our Services & Expertise

We can work with you to develop a strategy to help you build up the funds you’ll need to enjoy your retirement years to the full.

We can give full advice on personal pensions, getting the most suitable annuity rates, stakeholder pensions, self invested personal pensions (SIPPs), small self-administered schemes and equity release.

Key pension services: pension review, pension consolidation, pension draw down and pension transfer.

Find out more in our video below.

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Most people during their career accumulate a number of different pension plans. Yet maintaining separate plans is often complicated – and may lead to lost investment opportunities, exposure to undue risk and higher costs. We can help you avoid these problems by completing a full pension review, looking at your retirement needs and pension values. We will review your retirement funds and consider whether you could benefit from improved charges, access to more appropriate investment strategies and more simplified administration. We will review your immediate and ongoing income needs and explain what options are available to you. We are authorised and qualified to do defined benefit pension transfers. Please get in touch with Ian Brown, our pensions specialist, to discuss defined benefit pension transfers, pension draw down and pension consolidation.

Tax treatment varies according to individual circumstances and is subject to change.

Equity release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Transferring out of a final salary pension is unlikely to be in the best interests of most people.

What makes us different?

Carl Cerasuolo

"Without the help of Daniel we wouldn't be enjoying making memories in our beautiful forever home. He delivered a very personal service and listened to what we wanted from him. He was always on hand to answer any questions, we can't thank him enough for the 5+star service (February 2021)"

"Gary provided excellent advice and assistance with a complex purchase which involved a bridging loan and commercial funding. He understood the timescales and sourced lending when others couldn’t."

"Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!"

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

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

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

"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."

"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."

"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."

H McGillivray

"The service at Cosgrove Brown really has been first class. Not only was Dan, the Mortgage Broker, friendly and relaxed, nothing was too much trouble for him. He seemed to go above and beyond in helping where he could. He really took a lot of pressure off me in what could have been a really stressful time. I would 100% recommend Cosgrove Brown, the service was exceptional and really good value for money too."

Samantha Lewis - Swansea

"I was recommended Cosgrove Brown by a family member and was not disappointed. Dan has now arranged 2 mortgages for me and each one has been completely stress free and that is amazing for someone who worries about everything. Dan was understanding of my situation and is extremely good at his job. He is always at the end of the phone or email with any queries I had day or night! He literally takes everything out of your hands and deals with it all from start to finish but keeps you updated all through the process. I honestly cannot recommend this firm in particular Dan Bailey enough. I now have a lovely home to call my own thanks to them!"

Christine - Swansea

"It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action."

Start your journey to a better financial future

You can talk to us in confidence about protecting your income and your family, residential and business mortgages, pensions, SIPPs, annuities, income drawdown, inheritance tax, wills and tax efficient investments. The first meeting is at our expense and without any obligation

You can contact us via telephone, email, or use the contact form below: