What We Do
Pentins: your financial future is in safe hands
At Pentins, our Chartered Financial Planners combine technical expertise with a life-centered approach. We provide specialist advice on pensions, retirement, investments, trusts and estate planning – with a clear plan built around you.
Who do we work with?
At Pentins, our clients come from many different walks of life. But they all share a common goal: wanting clarity, confidence, and peace of mind about their financial future.
Business Owners
Balancing personal and business finances, extracting value tax-efficiently, protecting your family, and preparing for life beyond the business.
Retirees and Pre-Retirees
Understanding what lifestyle you can sustain in retirement and how to enjoy it without fear of running out of money.
Families Planning a Legacy
Protecting wealth, reducing unnecessary tax, and making sure assets are passed on as intended.
Trustees
Managing trusts responsibly, ensuring assets are invested appropriately, and meeting legal obligations with confidence.
Whoever you are, our role is the same: to put your life at the centre of the plan, so your money supports the future you want to live.
What we do
Pensions & Retirement Planning
Understand when you can afford to retire, how much you’ll need, and what lifestyle is achievable. With a clear retirement plan, you can enjoy today while feeling confident about tomorrow.
Investment Planning
Build an investment strategy that’s tailored to you – balancing growth and security so your money works harder and supports the life you want to live.
Business Owner Advice
From taking profits out of the business to succession planning, we help business owners extract value from their business in a tax-efficient way, protect their families, and prepare for life beyond the business.
Inheritance Tax Planning
Reduce unnecessary tax and protect your legacy with a clear plan for passing on wealth to the next generation – giving your family confidence for the future.
Trust Planning & Investment Management
We advise on the creation of new trusts and the investment management of existing ones, helping trustees manage assets responsibly and meet their legal duties with confidence.
How Pentins can help
Pentins are independent financial advisers (IFAs). That means our advice is completely unbiased – we are not tied to any provider and can recommend from the whole of the market. This gives you the reassurance that any plan we create is designed solely around your best interests.
Our experienced, professionally qualified team take time to understand what matters most to you – your goals, your family, and your future. Every client’s situation is different, so we provide advice that is personal, clear, and practical.
Whether you are running a business, preparing for retirement, planning to pass on wealth, or carrying the responsibilities of a trustee, we’ll work alongside you to build a financial plan that gives you structure and peace of mind for the years ahead.
What is a Pentins Financial Plan?
A Pentins Financial Plan is not just about money – it’s about you. We begin by understanding what matters most in your life, then show how your finances can be shaped to support it.
Your plan brings focus to both today and tomorrow. It helps you enjoy life now, while giving you confidence that your longer-term goals – from retirement to passing on wealth – are realistic and achievable.
Using detailed cashflow modelling, we map out your financial future, showing what’s possible and highlighting the choices available to you.
Most importantly, your plan gives you structure. It becomes the framework for every financial decision you make, helping you move forward with clarity and peace of mind.
Your Plan Starts Here
Our process is designed to be straightforward, but thorough. It gives us the chance to really understand you, so we can be open about your options and help you make confident decisions.
First…. we listen
We begin with your story: where you are now, what matters most, and where you’d like to be in the future — whether that’s enjoying retirement, investing wisely, or passing wealth to your family.
Next… we explore
We ask the right questions to help you think about possibilities you may not have considered. This ensures any plan we create is built on solid foundations and truly reflects your life goals.
Then… we explain the process and costs
We explain how we work, the value we bring, and our fees. Our reputation is built on creating financial plans that are practical, personal, and clear.
After that, we analyse
Using the information you share, we model different scenarios and assess the most suitable strategies. This allows us to provide clear advice and realistic options for your future.
Finally, we build your Pentins Plan
We present your personalised Pentins Plan – tailored to your goals and designed to give you structure, reassurance, and peace of mind. From there, we put the plan into action and keep it under review, adapting as life changes.
Book a Discovery Call
Start with a free, no-obligation chat – we’ll help you decide what’s possible
Questions our clients often ask us
Retirement & Pensions
- When can I afford to retire, and what lifestyle will that give me?
- Should I consolidate my pensions, and how do I know if I’m on track for retirement?
Investments & Wealth
- How do I balance enjoying life today with making sure I don’t run out of money tomorrow?
- What’s the best way to invest my money so it grows without taking unnecessary risks?
- Am I making the most of my money, or could it be working harder for me?
Family & Legacy
- Will my family be financially secure if something happens to me?
- How can I reduce inheritance tax and pass on wealth to my family efficiently?
Business Owners
- How do I take money out of my business without paying more tax than necessary?
- What’s the best way to protect my business if something happens to me or a co-owner?