Financial Planning for Individuals

Austen Birkett Financial Planning can work for you on a comprehensive plan or a single issue but recommendations are based on an analysis of your overall situation. As Independent Financial Advisers, we can choose products from the whole financial market and are not tied to any product provider.

Pre Retirement Planning

With specialist examinations in retirement options, we constantly advise on retirement planning strategies. Pensions are tax-efficient investments than can be part of that strategy. The investment choices available for your pension fund have increased over recent years. For example, there has been much press coverage regarding Self Invested Personal Pensions (SIPPS). We can create your first retirement plan or review different policies you may have accumulated. When reviewing existing policies, we take into consideration important features such as guaranteed annuity rates at retirement.

Income Options at Retirement

We can assist you in making informed choices on your pension fund options, once retired. On retirement you may take your lump sum entitlement and then either purchase an annuity (secured income) or income drawdown (unsecured income). We have the expertise and advanced qualifications to guide you though the advantages and disadvantages of both options.


You may have received a sum of money and are considering investing for the first time. We can direct you through the investment process and arrange tax efficient investments to achieve income and/or growth.

Alternatively, you may want a financial review of existing investments. We discuss whether your attitudes towards investment risk, reward and volatility have changed and rebalance your portfolio if necessary. Your paperwork could be substantially reduced, especially if you have stockmarket ISA's. Also you will have access to all of the leading investment groups. We prefer to an on-going relationship with our clients to ensure investments continue to meet the clients’ objectives.

Trustee Investments

We offer investment advice to trustees to enable them to meet the requirements of the Trustee Act 2000. Trustees have a duty to keep investments under review and seek professional advice from an adviser considered to be properly qualified in both ability and practical experience. With the various range of investment options now available, we discuss the most appropriate for the trust to hold.

Inheritance Tax Planning

By maximising the use of your annual allowances, through to the implementation of trusts, we are able to offer advice on inheritance tax planning. We work closely with our clients’ existing accountants and solicitors to ensure we deliver a coordinated service.


After analysing your current assets, liabilities, income and outgoings, we make recommendations for the amount of cover you should have in the unfortunate event of a critical illness or death.

We may have helped individual clients with similar financial requirements to yourselves, please see what our clients are asking to find out more.