Retirement Planning & At Retirement

A good pension arrangement can be a very tax and cost efficient way to build up a retirement fund, but pension legislation is very complex and, over recent years it has changed regularly.

It is important to understand all of your options and to avoid the potentially very costly mistakes than can result if you do not stick to the rules.

If you are lucky enough to have membership of a final salary, defined benefit, or occupational scheme it is likely that it will be the best way to build a retirement fund.

If you are not, we can help you calculate how much fund you need to build up, define what contributions and investments you might need to make to achieve it and identify the best arrangement available to you.

We can also review any existing arrangements you may have, consider whether transferring or consolidating them is in your best interest, explain your investment options and help you choose them and possibly reduce the charges you pay in the process.

Several of our Advisers hold high level pension qualifications. They are fully equipped to provide company directors and business owners with the specialist advice they may require on the wider range of pension and retirement options which may be available to them.

There is potentially a lot more to Retirement Planning than Pensions and including some other options can increase the flexibility and tax efficiency of your retirement income. We don’t just consider pensions; we will offer you a retirement planning strategy and we are very well equipped to evolve it into a later life, estate planning or inheritance tax mitigation strategy if the need arises.

Our Experts

Centurion are a General Practice firm of Chartered Financial Planners providing top quality, technically competent financial and investment advice.

Here is the team of experts who specialise in this service. You can view our entire team using the button below.

Craig Richards

Financial Planner
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Trevor Durham

Chartered Financial Planner
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Ian Avery

Chartered Financial Planner
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Daniel Gornall

Chartered Financial Planner
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Sean McCabe

Chartered Financial Planner
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Stuart Emerson

Financial Planner
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What our clients say

We have been clients since November 2019. Our personal advisor is Mr Ian Avery, who we have dealt with in this capacity for a number of years, and is someone we hold in the highest regard. He always takes time to listen properly to us, and has an excellent understanding of our situation and requirements. We have always been given an in depth insight into our situation and options and the investment solutions he has recommended have always been explained and presented in a way we find easy to understand and follow. We have no hesitation in recommending both Ian Avery and the firm as providers of excellent service in all respects.

A Client

As a client of Centurion Chartered Financial Planners for over 9 years, I have always found them to be helpful, innovative and security conscious. James, my investments administrator, clearly has a good understanding of my plans and the schedule of associated actions, alerting me whenever I have a task to complete.



As a client Of Centurion for a number of years we are more than satisfied that our financial future is in a safe pair of hands with the advice we have been given. In particular Dave Robinson is a very experienced financial advisor and his great knowledge makes him one of the leaders in all aspects of financial planning.

Mr & Mrs PG


Are you looking for some advice?

If you're looking for expert-led advice, then please get in touch.