Pension Advisor in Reading
Patronus Partners provides independent pension advice from its offices at Arlington Business Park, Reading, and in the City of London, working with clients across Reading and Berkshire.
The firm was founded in 2015 and is owned by its staff. It has no in-house funds or pension products, and its advice is based solely on what is right for each client.
Pension Advice in Reading
Reading is one of the largest towns in the South East, and many people who live in and around it have built up pensions over long careers with local and national employers.
The decisions made when a pension is first accessed are among the most important in retirement planning, and some cannot easily be reversed. Most people can take up to a quarter of their pension as a tax-free lump sum, subject to an overall limit, but taking it all at once is not always the best approach. The remainder can be drawn as a flexible income, used to buy an annuity, or left invested. The earliest age at which most people can access their pensions is due to rise from 55 to 57 in April 2028, which may affect the plans of those intending to retire early.
We work with clients in Reading, Caversham, Earley, Woodley, Tilehurst, Wokingham and Theale. Meetings can take place at our Reading office, by telephone or by video call.
What we do
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We help each client decide when and how to access their pensions, taking into account income tax, their other savings and the needs of their family. The plan is reviewed as circumstances and legislation change.
We do not charge initial fees for financial advice.
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We manage pensions and other investments with a long-term perspective, in line with each client’s goals and attitude to risk.
Because we have no in-house funds, investments are selected purely on their merits.
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Clients can also hold investments with us on an execution-only basis through our trading and custody service.
Our traders also act for hedge funds and family offices.
“We are all escapees from large firms and feel that clients no longer want the bland industry stereotype but prefer a smaller firm whose interests are aligned with theirs. The industry is ever- homogenising and unfortunately seems to focus more on shareholders than on clients".
— James Barton, Spear’s magazine.
The Unspoken Truth…
is that large pension advice firms are often sub-optimal for their clients.
As an independent pension advisor we are not constrained by being tied to our own in-house funds, looking after too many clients and nor are we under relentless shareholder pressure for revenue growth – all of which are detrimental to clients.
Our clients receive truly independent advice about their pensions in an unbiased way.
We only ever offer what we believe to be the best in class in order to deliver the best outcome for our clients.
"Patronus’ from the original Latin, is a person who stood as a protector to another, who was called his ‘client’. It struck a chord with us.”
— Paul Kavanagh CEO
Why Choose an Independent Pension Advisor in Reading?
Independence
The firm is owned by its staff rather than outside investors, and has no sales targets.
Freedom
We are free to recommend pension providers and investments from across the market.
Performance
Whilst we cannot guarantee that past performance will be repeated, since inception, our portfolios have performed better than the industry benchmark.
Experience
Members of the team have held senior roles at banks, hedge funds and investment firms.
Close Relationships
We keep our number of clients limited, so that each receives proper attention as they approach and enter retirement.
Fees
Our fees are set out and agreed in advance, and there is no initial charge for financial advice.
How We Can Help
We can advise on areas including:
When and how to take tax-free cash
Drawing an income from pensions in retirement
Comparing flexible income with an annuity
The rise in the minimum pension age to 57
Investment management for pensions in retirement
Pensions and inheritance tax
Financial Advice FAQs
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At present, most people can access their pensions from age 55. This is due to rise to 57 from 6 April 2028. Some schemes have different rules, so it is worth checking each pension before making plans.
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Yes. Our Berkshire office is at Arlington Business Park, Reading, and meetings can also be held by telephone or video call. We also have an office in the City of London.
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Yes. The initial consultation is free of charge, and there are no initial fees for financial advice.
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Paul Kavanagh
Director
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Jeremy Steinson
Director
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![Smiling woman sitting in an office with a blurred background.]()
S-J Kavanagh
Operations
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![Man wearing glasses sitting at a table with abstract art in the background.]()
James Barton
Investment Director
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John Prior
Director, CIO
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![Two men in an office setting, one is gesturing with his hands while discussing, wearing glasses and a white shirt.]()
Kareem Khouri
Director, COO
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Dan Dowding
Head of Wealth Management
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Penny Rooney
Head of Compliance
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Richard Griffiths
Trading Manager
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Harriet Harrison
Operations
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Jonathan Jackson
Head of Research
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James Blackmore
Trader
Arrange a Free Consultation
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Arrange A Call
Pick a convenient time to speak to one of our team.
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Book Free Consultation
Arrange a time to receive a free consultation.
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Email Us
Get in touch to ask us any questions.
“One of the top 10 Wealth Managers in the UK. Barton is a dichotomy... An affable bonhomie, but with a sharp, disruptive, forward-thinking mind. His preference for questioning the rules, combined with his friendly nature, is why clients seek his insightful advice and why he is regarded as one of the top practitioners in the industry"
— James Barton Investment Director Review in Spear’s
Reading
1650 Arlington Business Park, Reading, Berkshire. RG7 4SA
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Planning for retirement is one of the most significant financial decisions you will ever make. Working with an experienced Pension Adviser in Reading gives you access to expert guidance tailored to your circumstances, ensuring you can look forward to a secure and fulfilling retirement.
Why Work with a Reading-Based Pension Adviser?
Reading is one of the South East’s most dynamic towns, with a thriving business community, excellent transport links, and a diverse population. Choosing a local adviser means working with someone who understands both the opportunities and challenges faced by residents of Reading.
A Pension Adviser in Reading can offer:
Personalised pension planning that reflects your goals.
Knowledge of local and regional financial considerations.
Professional expertise backed by recognised qualifications.
Regular reviews to keep your plan on track as your life evolves.
Services Tailored to Your Retirement Goals
Comprehensive Retirement Planning
Your adviser will design a pension strategy tailored to your lifestyle ambitions, from your initial consultation through to retirement and beyond, with regular updates as your circumstances change.
Investment & Risk Management
A successful pension plan requires striking a balance between growth and protection. Your adviser will recommend investment strategies aligned with your risk profile and long-term objectives.
Pension Regulations Simplified
The rules surrounding pensions can be complex. A Reading-based adviser will explain your options clearly and ensure your plan is compliant and tax-efficient.
Trust, Qualifications and Professional Standards
When selecting a pension adviser, always check for:
Chartered Financial Planner (CFP) status or equivalent.
Membership of the Personal Finance Society (PFS).
Positive client feedback and a proven track record.
These demonstrate the adviser’s professionalism, credibility, and commitment to high standards.
FAQs – Pension Planning in Reading
Is it worthwhile to seek pension advice if I already have a workplace pension?
Yes. A workplace pension is a good start, but professional advice ensures you maximise your benefits and explore additional options to secure your retirement.Can I combine several pensions into one?
Often, yes, and many people find this simplifies management. An adviser can assess whether consolidation is right for you, taking into account fees, performance, and your long-term objectives.What makes Reading a good place to plan for retirement?
Reading’s strong economy, excellent transport links, and wide range of amenities make it a popular location for professionals and retirees alike. Local advisers understand this landscape and can tailor your pension strategy accordingly.How much does pension advice cost?
Costs vary depending on your needs and the adviser’s fee structure. A good adviser will explain charges clearly before any work begins.How often should I review my pension plan?
An annual review is recommended, with more frequent check-ins if your financial situation changes.Retirement in Reading
Reading combines a rich history with a modern, forward-looking economy. It’s home to leading technology firms, a renowned university, and excellent shopping and cultural facilities. For those approaching retirement, the town offers a balance of convenience, community, and opportunity.
Local highlights include:
History & heritage: Reading Abbey Ruins, Forbury Gardens, and the Museum of English Rural Life.
Culture: The Hexagon theatre, Reading Festival, and a busy arts and music scene.
Leisure: Riverside walks along the Thames and Kennet, plus a thriving restaurant and retail offering.
With so much to enjoy, Reading provides an excellent backdrop for retirement planning and living.
Useful Resources
For further impartial information on pensions and financial advice:
· MoneyHelper – Choosing a Financial Adviser
· Gov.uk – Financial Advice Guidance
· Financial Conduct Authority (FCA) – Check an Adviser
Take the Next Step
Your pension is the foundation of your financial future. With the support of a trusted Pension Adviser in Reading, you can plan with confidence and look forward to retirement on your own terms.
Book a consultation today and begin building a personalised retirement plan tailored to your specific needs.
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