Plan your perfect retirement

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.


What is important to you?

Retirement planning just got complicated, which is why so many people now need expert pension advice. Retirement is changing, we’re all living longer and for many it’s not so much about a fixed retirement date anymore but an evolving journey working part-time or semi-retired.

You want to know if you are putting enough aside for your retirement and whether your pension will give you the lifestyle you deserve when you retire. You want to know how to invest your money to achieve your perfect retirement whilst also minimising the risks and making the most of the increasingly complex tax incentives designed to encourage pension savings.

How we can help you

Planning for your retirement can be one of the most important financial tasks you will ever undertake. Everyone has a different idea of what their perfect retirement looks like. Whether you need to set up a new pension or review an existing one, our pension advisers in Nottingham, London and Kenilworth will help you to create a unique retirement plan that meets your expectations for the future and helps you to manage the complexities of later life. So that you can live a full and exciting life without the fear of ever running out of money.


Create your perfect pension plan


Our pension advisers can help with your retirement planning so you can achieve the lifestyle you deserve during your retirement.


Ensure your pension is performing well

Understanding what you have is of critical importance nowadays. When was the last time you reviewed your pension’s performance? And do you have a clear understanding of the level of risk? Our comprehensive pension review service will assess where and how your money is being invested and if it will be enough to achieve your retirement goals.



Plan the most tax efficient way to save for your retirement


Our pension advisers will help you create an investment strategy that matches the level of risk you should be taking with the returns you require. We can also help you deal with the complexity of the various tax incentives designed to assist in saving for retirement. We will create the best plan to optimise your savings for retirement.


Create the most tax efficient strategy to access your retirement savings

You have probably saved for your retirement in a variety of investment “pots”. If you are starting to use your retirement savings then the order in which you access these various sources of income might significantly affect the amount of tax you will pay, as well as having implications for inheritance tax planning. Our comprehensive pension advice will show you the best way to access your retirement savings.



Exchange the benefits of your final salary scheme for a cash lump sum?


The question of whether or not to transfer out of a final salary pension scheme (also known as a ‘defined benefit’ or occupational pension scheme) can be one of the biggest financial decisions of your life.

The complexities involved in making such a life-changing decision mean that you need expert analysis before taking this massively important step. Our specialist pension advisers will clearly explain your options so you can make the right choice with confidence.

Please watch our video and read our Final Salary Pension Transfers page for further information.

Live the life you want

Find out how we have helped our clients with their retirement planning

What’s your next step?

We offer all prospective clients an initial discovery meeting with one of our pension advisers at our expense, to see if we can be of help to you.

Book your meeting for pension advice today, so that you can live the life you want.


  • "I am continually impressed by Paul's efficiency and expertise as well as that of the Riverfall team. Thanks to Paul, I can once again look forward to my retirement and enjoy the travelling I have planned."

  • "Ever since I commenced my career I've had the comfort of knowing Paul who ensured I had the proper level of life and health protection. He has also assisted me with my changing mortgage, savings and retirement planning needs. Paul's advice throughout the years has put me in a strong financial position today."

  • "I have known Paul for nearly twenty years during that time, he has advised me on all financial matters, investments, pensions and mortgages. Under Paul's careful stewardship my investments have grown and been successfully steered through the global economic malaise of the last few years. His advice has been timely, well balanced, researched and always beneficial."

  • "I would like to express my thanks to Shaun Brennan and Riverfall. I would have no hesitation in recommending Riverfall Financial to anyone who requires pension advice."