Financial Advice

Patronus Partners provides independent financial advice for private clients and families, covering financial planning, pensions, retirement and the transfer of wealth to future generations.

We take the time to understand your financial position, objectives and priorities before considering how your investments, pensions and other assets can be structured as part of a long-term financial plan.

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Personal Financial Planning

Your financial plan starts with understanding your circumstances and what you want to achieve. This may include preserving wealth, growing capital, supporting your family or making more effective use of your available tax allowances. We consider the different parts of your financial position together.

This can include:

Making appropriate use of available tax allowances
Structuring investments around your objectives and time horizon
Planning how and when to access pension benefits
Considering how assets may pass to future generations
Retaining flexibility as your circumstances and priorities change

The advice takes account of your wider financial position rather than considering each decision in isolation.

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aerial view of Patronus Partners office space

Pension Advice

Pensions can form an important part of long-term financial planning, both when building retirement savings and when considering how and when those savings will eventually be accessed.

Pension planning can become more complex where income varies, several pension arrangements are held or an individual is affected by the tapered annual allowance.

We can advise on areas including:

Pension contributions and available annual allowances
Carry forward of unused annual allowance where applicable
Available tax relief
The structure of existing pension arrangements
Self-Invested Personal Pensions (SIPPs), where appropriate

Retirement Planning

Retirement planning involves understanding the level of income you may need, where that income could come from and how different decisions may affect your position over time.

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 use cashflow modelling to illustrate different scenarios and help you understand how changes in income, expenditure and other assumptions could affect your financial position over time.

Independent Financial Advice

Patronus is an independent firm and does not promote in-house investment products. Our advice is based on your circumstances, objectives and wider financial position.

We explain our advice and its implications clearly so that you understand the decisions being considered and how they fit within your financial plan.