Financial Planning

Life Protection

Corporate Protection

Retirement Planning

Pensions On Divorce

A man reaching age 65 today can expect to live, on average, until age 84.3.

About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95.

A woman turning age 65 today can expect to live, on average, until age 86.6.

Knowing our chances of living to our late 80s and beyond leaves us with one fundamental question – will we have enough money to enjoy the lifestyle we desire for what could be 30 years or more after we stop work?

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

A pension is a form of investment or savings plan designed to provide you with an income to live on when you retire. There are many different types of pension arrangement available, from state pension schemes offering limited financial support for your old age to private pension plans giving you the freedom to build a larger fund for your retirement. Even if your initial contribution is small, whatever you can put aside in the early years will be vitally important to getting your pension growing to avoid a poor income in retirement.

The main types of pension available are:

  • Personal Pensions / Private Pensions
  • Company or Work Pension Scheme
  • Final Salary Pension Scheme
  • Money Purchase Pension Plan
  • Self Invested Personal Pension (SIPP)
  • Stakeholder Pensions
  • State Pensions
  • Additional Voluntary Contributions (AVC)

Many workers today have had several employers, and been left with scraps of pensions from all these different jobs. In some cases they’ve got two from the same company, after a final salary scheme was shut down and replaced with one linked to the stock market. Come and speak to us and we will investigate these funds for you and help you to understand whether it is better to leave these pots invested where they are, or to move them to somewhere more beneficial for you. It may even be possible now to cash them in.

From 6 April 2015 new “Pensions Freedom” legislation came into effect, and consequently, at retirement, there are now many new options as to how you take your pension. For further details please contact us so that we can help you walk through the options available to you.

Getting sound financial advice throughout the different stages of retirement will help identify which products can help you achieve the income you need. Although it may seem a long way off, making the most suitable financial plans now, for later retirement years, will give you the peace of mind to enjoy your early retirement years, safe in the knowledge that you will be able to live the lifestyle you desire further down the line.

Our Process For Providing Quality Advice

Understanding You

We will gather information from you about you and any plans you already have in place.


We'll explore and research various scenarios to make the best use of your existing plans.


Like most of our clients, you will probably prefer Cardinal to do the necessary work to put your plan into action.


Nothing stands still, so it makes sense to review your plans regularly.


Contact Us

8a Warren Heath Road, Ipswich, Suffolk, IP3 8TD

Office: 01473 717939

Mobile: 07958 808846

Cardinal Financial Planning and Wealth Management Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, who are authorised and regulated by the Financial Conduct Authority. Cardinal Financial Planning and Wealth Management Limited. Registered in England and Wales, under company no. 09565939. Registered office address - Unit 4 & 5 Brightwell Barns Waldringfield Road, Brightwell, Ipswich, Suffolk, England, IP10 0BJ. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK