Financial Advice
Good financial advice gives you more than just a plan; it provides clarity, structure, and confidence in the decisions that lie ahead. Patronus Partners help you take a long-term view of your finances, offering guidance that’s tailored to your goals, your circumstances, and the life you want to lead.
Whether you’re preparing for retirement, making the most of your pension allowances, or thinking about your financial legacy, we provide calm, considered advice centred around you.
Personal Financial Planning Tailored to You
Your financial situation is unique. That’s why we begin by understanding what matters most to you; whether that’s preserving wealth, growing capital, supporting your family, or simply making your finances more efficient.
We help you bring all the moving parts together. This might include:
Making full use of your tax allowances to make your portfolio as tax-efficient as possible.
Structuring your investments to suit your goals and timeframes
Planning how and when to access your pension
Thinking about how your assets could benefit future generations
Ensuring you have the flexibility to adapt, so you’re not tied to decisions that no longer serve you
Our advice is always personal, thoughtful, and designed to reflect your broader financial picture.
Pension Advice to Support Long-Term Goals
Your pension is likely to be a key part of your long-term financial plan, not just as a way of saving but also as an important tool for managing tax and passing on wealth.
That said, pensions can be complicated, especially if your income varies, you have several pension pots, or you’re affected by tapered annual allowances as a higher earner.
We’ll help you make sense of it all, including:
Annual and lifetime limits – and whether you can carry forward unused allowances
Tax relief – making sure you’re receiving the full benefits available to you
Choosing the right structure – such as a SIPP (Self-Invested Personal Pension) if you’d like more control
If you're unsure whether your pension arrangements are working as hard as they could be, we’ll provide the clarity you need to move forward with confidence.
Retirement Planning with Flexibility and Transparency
Retirement doesn’t look the same for everyone. For you, it might mean stepping away from work entirely. Or it could be about flexibility, gradually reducing your working hours or shifting focus to other priorities.
Whatever your vision, we’ll help you think through
How much income you’ll need – and where it will come from – we use cashflow model analysis to illustrate this.
Whether it’s better to draw from pensions, ISAs, or other investments first
How your plans might evolve – and how to build in flexibility
The pros and cons of different options, such as drawdown, annuities or lump sums
What happens to your pension when you die – and how to pass it on efficiently
We can also model different scenarios for you using cashflow model analysis tools, helping you understand how your decisions could play out over time and giving you confidence that your plans are sustainable.
Trusted Advice, Free from Bias
We don’t sell products or promote particular solutions. As an independent firm, our advice is based entirely on what’s right for you.
We take the time to explain things clearly, avoiding unnecessary jargon, so that you can make well-informed decisions with confidence.
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