FAQs
Your prosperity – our mission
The time to make decisions about your future wealth isn’t tomorrow.
It is always today.
Preparing for your financial future – whether you’re running a business, approaching retirement, or planning your legacy, the same question comes up:
“Am I making the most of what I have – so I can enjoy life today and be confident about the future?“
At Pentins, we believe financial planning should give you clarity, reassurance, and confidence about the road ahead. We don’t just offer advice – we act as a partner, keeping you accountable, helping you make informed choices, and ensuring your money supports the life you want to live.
The first step is often the hardest, but many people have already walked this path with us.
Here are some of the most common questions our clients ask:
Questions our clients frequently ask:
We’re Chartered Financial Planners – the gold standard in our profession. That means we combine technical expertise with a life-centred approach, putting your goals and lifestyle first, and then building the financial plan to support them.
We’re fully independent financial advisers (IFAs). That means we’re not tied to any provider and can recommend from the whole of the market – always based on what’s right for you.
No. There is no fee for an initial consultation and no obligation to proceed. It’s simply a chance to get to know us, ask questions, and see if we’re the right fit for you.
No – we work with a wide range of clients. Some are building wealth, others are planning for retirement, and some are managing family legacies. What they share is a desire for clarity and peace of mind about their financial future.
We’re completely transparent about fees. Before any work begins, we’ll explain how we charge and what you can expect, so there are no surprises.
Yes. Pension consolidation can make retirement savings easier to manage and sometimes more cost-effective. We’ll review your pensions, explain your options, and help you decide if combining them is right for you.
This is one of the most common questions we answer. Through detailed cashflow planning, we can show you when you could realistically retire, what lifestyle you can sustain, and how to make your retirement savings work harder.
Yes. We create plans that help you pass on your wealth as efficiently as possible – using allowances, trusts, and tax-efficient strategies.
Life doesn’t stand still – and neither should your financial plan. We’ll review your Financial Plan with you regularly to keep it up to date, adapting as your life and goals evolve.
Both. We have an office in Canterbury if you prefer to meet in person, but we’re equally happy to meet remotely by phone or video call – whatever works best for you.
No. While many of our clients are based in Canterbury and Kent, we also work with people right across the UK thanks to our ability to meet remotely.
Yes. Definitely 100% yes.
We will explore and share the most financially beneficial choices you have to maximise this (and other ‘windfalls’) for you and your family.
Yes. Depending on their ages, we can advise on where to put your money now so it will work the hardest for when they need it.
Your accountant tends to focus on the past – ensuring your accounts are accurate and your tax is paid correctly. At Pentins, we take a forward-looking view, working alongside your accountant to help you structure your finances to reduce tax, maximise efficiency, and make sure your money supports the life you want to live.