It can be tempting to think of retirement as the final financial hurdle; after all, your pensions, savings and investments are now carefully placed to serve you well for the rest of your life.

For most people, this simply isn’t the case.

Life changes. Plans change and goals change. You may have retired before Pension Freedoms came into place, presenting more options for your retirement income. You might be concerned about Inheritance Tax; something you hadn’t considered before retirement. You may have even retired without a financial strategy, and are now worried about the sustainability of your income.

Even if you retired with a perfect financial plan, it may not be fit for purpose for the rest of your life.

Retirement planning is an ongoing process that must adapt and adjust to your life, goals and needs. Whether you retired with a strategy or not, it’s never too late to set things right and achieve the lifestyle that you want.

We’re a firm of Chartered Financial Planners, with years of experience in working with individuals who have already retired. We specialise in reality-based financial planning; bringing the real things that you want to achieve – and the real life that you want to attain in the process – to fruition.

We will:

Listen to your concerns and worries, both for the long and short term

Understand your personal goals, aspirations and plans

Assess your existing financial situation, including any pensions, savings and investments

Use cashflow modelling to map out various "what if" scenarios

Recommend financial solutions that will help you to achieve your goals

Guide you on an ongoing basis to ensure the sustainability of your income and the suitability of your financial plan

As an organisation, we are Dementia Friends. Our team members have individually committed to learning and implementing patient and effective ways to work with clients who have dementia. You can learn more about Dementia Friends here.

Inheritance Tax mitigation – Andrew and Christine

Andrew and Christine were beginning to plan their future and what would happen to their wealth when they passed away. They were particularly worried about how much of their estate would go to the Exchequer on their deaths, rather than their preferred beneficiaries.

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What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005